TERMS AND CONDITIONS OF USE 1. ACCEPTANCE, VALIDITY, AND ENTIRE AGREEMENT Please read these Terms and Conditions carefully. By accessing this website (https://bank-to-bank.es) and its pages, you acknowledge that you have read, understood, and agree to be bound by these Conditions of Use, the legal notice, the cookie policy, and any other specific instructions or conditions communicated to you. If you do not agree, please leave the site immediately. The BANK-TO-BANK CONSORTIUM business group reserves the right to modify these terms at any time without prior notice, in exercise of its unilateral modification power permitted by Article 5 of Act 7/1998, of April 13, on General Conditions of Contracting, provided that such modification does not adversely affect rights already acquired by the user. Your continued use constitutes acceptance of such changes. This document constitutes the entire agreement between the group and the user, replacing any prior communication or understanding, by virtue of Articles 1254, 1258, and 1261 of the Spanish Civil Code, which establish the requirements and binding force of contracts. A printed version of these conditions shall be admissible in judicial or administrative proceedings, in accordance with Article 27 of Act 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSI-CE). In the event of a conflict between these general conditions and the specific conditions of a particular service, the latter shall prevail, according to the principle of normative specialty. 2. IDENTIFICATION OF THE OWNER (Compliance with Art. 10 LSSI-CE) In compliance with Article 10 of Act 34/2002 (LSSI-CE), you are informed that the owner of the website is: Corporate Name: BANK-TO-BANK CONSORTIUM Email: bank-to-bank@bank-to-bank.es Phone: +34 625 209 869 / +34 636 080 420 3. PURPOSE AND SCOPE OF APPLICATION These General Conditions regulate the access, navigation, and use of the website (https://bank-to-bank.es) as well as the services and content hosted thereon. They are considered General Conditions of Contracting for the purposes of the provisions of Act 7/1998, of April 13, on General Conditions of Contracting, and Royal Legislative Decree 1/2007, of November 16, approving the Consolidated Text of the General Law for the Defense of Consumers and Users and other complementary laws (TRLGDCU). 4. CONDITIONS OF USE AND USER OBLIGATIONS The user undertakes to use the website in accordance with the law, these conditions, morality, public order, and generally accepted practices. The following is expressly prohibited: Engaging in unlawful activities or acts contrary to good faith. Introducing or disseminating computer viruses or any other physical or logical system that may cause damage to the owner's or third parties' systems (classified as a crime under Article 264 et seq. of the Spanish Criminal Code). Attempting to access, use, or manipulate the data of the owner or third-party users without authorization. The user guarantees that the information provided is truthful and assumes responsibility for communicating any changes to it, in accordance with the principle of contractual good faith (Article 7 of the Civil Code). 5. PROTECTION OF PERSONAL DATA The processing of users' personal data shall be strictly governed by: Regulation (EU) 2016/679 of the European Parliament and of the Council, of April 27, 2016 (GDPR). Organic Law 3/2018, of December 5, on Personal Data Protection and Guarantee of Digital Rights (LOPDGDD). The user expressly consents to the processing of their data for the purposes described in the Privacy Policy available on the website, and may exercise their rights of access, rectification, erasure, objection, restriction of processing, and data portability at any time by directing a request to the email address indicated in Section 2, or by filing a claim with the Spanish Data Protection Agency (AEPD). 6. INTELLECTUAL AND INDUSTRIAL PROPERTY All content on the website (texts, photographs, graphics, images, icons, technology, software, links, and other audiovisual or sound content, as well as its graphic design and source codes) are the intellectual property of BANK-TO-BANK CONSORTIUM or of third parties who have authorized their use, and are protected by Royal Legislative Decree 1/1996, of April 12, approving the Consolidated Text of the Intellectual Property Law (LPI), and by international treaties signed by Spain. Their reproduction, distribution, public communication, or transformation is prohibited without the express and written authorization of the owner, except for the user's personal and private use, in accordance with the limitations established in Articles 31 et seq. of the LPI. Trademarks, trade names, or distinctive signs are protected by Act 17/2001, of December 7, on Trademarks. 7. EXCLUSION OF WARRANTIES AND LIABILITY BANK-TO-BANK CONSORTIUM shall not be liable, in any case, for damages and losses of any nature that may be caused, including but not limited to: errors or omissions in the content, lack of availability of the portal, or the transmission of viruses or malicious or harmful programs in the content, despite having adopted all necessary technological measures to prevent it, in accordance with the "lex artis" or "professional standard" of the sector. This limitation of liability applies within the limits permitted by Article 117 of the TRLGDCU and Article 17 of the LSSI-CE, and shall in no case affect the non-waivable rights of consumers and users recognized by current legislation, especially in the event of willful misconduct or gross negligence on the part of the owner. 8. LINKS TO THIRD-PARTY WEBSITES The website may contain links to third-party websites. These links are exclusively for informational purposes and do not imply that BANK-TO-BANK CONSORTIUM approves or recommends the content, products, or services of such sites. The owner assumes no responsibility for the content, accuracy, or privacy policies of third-party websites, in accordance with the provisions of Article 17.2 of the LSSI-CE. 9. MODIFICATION OF CONDITIONS AND DURATION The owner reserves the right to make, without prior notice, any modifications it deems appropriate on its portal, and may change, remove, or add both the content and services provided through the web, as well as the manner in which they are presented or located. However, such modifications shall not have retroactive effect on contracts already perfected, guaranteeing the principle of legal certainty (Article 9.3 of the Spanish Constitution). 10. APPLICABLE LAW AND JURISDICTION For the resolution of all disputes or issues related to this website or the activities developed therein, Spanish legislation shall apply, to which the parties expressly submit. If the user has the status of a consumer or end-user: The Courts and Tribunals of the consumer's domicile shall have jurisdiction to resolve any dispute, in accordance with the provisions of Article 52 of Act 1/2000, of January 7, on Civil Procedure (LEC), and Article 90 of the TRLGDCU, which prohibit jurisdiction submission clauses to a forum other than that of the consumer in adhesion contracts. If the user is a company or professional: Both parties submit, with express waiver of any other jurisdiction that may correspond to them, to the Courts and Tribunals of the city of [City of the company's registered office, e.g., Madrid], unless mandatory law provides otherwise. 11. ONLINE DISPUTE RESOLUTION (ODR PLATFORM) By virtue of Article 14 of Regulation (EU) No 524/2013, of May 21, on online dispute resolution in consumer matters, consumers are informed that the European Commission provides an online dispute resolution platform (ODR Platform), which can be accessed via the following link: http://ec.europa.eu/consumers/odr/. This platform serves as an entry point for the out-of-court resolution of online disputes arising from sales or service contracts concluded between a consumer and a professional.

INFORMATIONAL NATURE AND GENERAL DISCLAIMER 2.1. PURELY INFORMATIONAL AND EDUCATIONAL NATURE The information, data, analyses, opinions, and content available on this website are exclusively for informational, educational, and general reference purposes. They do not constitute, nor should they be interpreted in any case as, a commercial offer, a solicitation of funds, an invitation to invest, or a personalized recommendation to buy or sell securities, financial instruments, or investment products. This content is intended for companies, investors, and individuals seeking to expand their knowledge about financial information, financing structures, monetization programs, business strategies, or market opportunities. 2.2. NO PROFESSIONAL ADVICE  Nothing published on this website should be considered as personalized financial, legal, tax, accounting, or investment advice. The information presented does not take into account the specific objectives, financial situation, or particular needs of any user or entity. Before making any financial or investment decision, or before participating in any program described, the user must consult with their own professional, legal, and tax advisors to evaluate the risks and suitability of such actions. 2.3. ACCURACY, COMPLETENESS, AND TIMELINESS Although we strive to provide high-quality information from sources considered reliable, we do not guarantee the accuracy, completeness, timeliness, or reliability of the data, statistics, or reports presented. The materials may describe features of sample services, products, or institutions without any guarantee and are subject to daily changes due to market volatility and economic conditions. Services, products, and information are provided "as is," "as available," and "as obtained," without representation or warranty of any kind. 2.4. DISCLAIMER OF WARRANTIES The user expressly agrees that the use of the information and services on this website is at their own and exclusive risk. All warranties, whether express or implied, are hereby expressly disclaimed, including, but not limited to, implied warranties of title, non-infringement of third-party rights, merchantability, or fitness for a particular purpose. 2.5. LIMITATION OF LIABILITY In no event shall the owners, administrators, employees, or affiliates of this website be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including, without limitation, loss of profits, funds, data, use, goodwill, or other intangible losses, resulting from: (i) the use or inability to use the services or information; (ii) any error, omission, or inaccuracy in the content; (iii) any decision made by the user based on the information provided on this site; or (iv) any other matter related to the access to or use of this website. 2.6. THIRD-PARTY LINKS AND CONTENT This website may contain links to third-party websites or user-generated content. Such links are provided solely for your convenience and do not necessarily imply affiliation, endorsement, or approval of such content by us. We assume no responsibility whatsoever for the content, privacy policies, practices, or availability of third-party sites.

REGULATORY STATUS, SCOPE OF ACTIVITIES, AND LIMITATIONS (CNAE 6619) 3.1. LEGAL FRAMEWORK AND EXCLUSION FROM REGISTRATION WITH SUPERVISORY BODIES The operating entities of this website conduct their activities under the epigraph of CNAE 6619 (Spanish National Classification of Economic Activities): "Other activities auxiliary to financial services, except insurance and pension funds". Although this code encompasses heterogeneous support services for the sector, it is expressly, explicitly, and repeatedly stated that the group s companies ARE NOT REGISTERED OR ENROLLED WITH THE NATIONAL SECURITIES MARKET COMMISSION (CNMV), nor with the BANK OF SPAIN as credit institutions, financial credit establishments, payment institutions, or electronic money institutions. Consequently, it is strictly prohibited to interpret our market presence as that of a regulated financial entity, brokerage, dealer, or Virtual Asset Service Provider (VASP). 3.2. STRICT DELIMITATION OF SERVICES PROVIDED Our activity is exclusively limited to auxiliary, administrative, technological, or generic B2B (Business-to-Business) consulting services. Under no circumstances do we provide personalized financial advice, discretionary or continuous portfolio management, nor do we act as intermediaries in the contracting of regulated investment products (in accordance with MiFID II / relevant national financial regulations). The services we provide, in an enumerative but not exhaustive manner, are strictly confined to: BACK-OFFICE AND ADMINISTRATIVE PROCESSING: Operational support, document management, and administrative tasks delegated by third parties. TECHNOLOGICAL PAYMENT PROCESSING: Acting exclusively as a technological provider (SaaS, APIs, payment gateways) for the operational settlement of digital payments. At no point does the operating entity have legal availability or custody of the end-users' funds (no third-party accounts). ADMINISTRATIVE MANAGEMENT AND CLAIMS: Assistance in processing, claiming, and managing taxes, fees, or refunds before public bodies, acting strictly as administrative representatives and not as financial or tax advisors. GENERIC AND EDUCATIONAL FINANCIAL CONSULTING: Issuance of reports, market analyses, or training materials of a strictly informative and educational nature. NO CONTENT PUBLISHED ON THIS WEBSITE OR ISSUED BY OUR COMPANY SHALL BE INTERPRETED AS AN INVESTMENT RECOMMENDATION, PUBLIC OFFERING, OR INVITATION TO BUY/SELL FINANCIAL ASSETS. TECHNOLOGICAL AND DATA SUPPORT: Provision of data analysis tools, commercial scoring, or technological infrastructure for the sector. COLLECTION AND DEBT RECOVERY MANAGEMENT: Management of defaults and overdue collections, acting strictly as authorized agents, without assuming credit risk or debt subrogation under any circumstances. 3.3. CURRENT OPERATIONAL STATUS: "STAND-BY" PHASE Currently, and as part of a strategic restructuring of our business model, the two operating companies are in a "STAND-BY" OR GENERAL COMMERCIAL INACTIVITY status. This implies that the website is merely corporate, informative, and serves as a technological showcase. There are no active processes for onboarding new retail clients or raising funds. The entities' operations are restrictively and exclusively limited to the provision of highly specialized B2B consulting services, namely: COMMERCIAL RISK CONSULTING: Analysis of solvency, viability, and counterparty risk in commercial transactions. DUE DILIGENCE (KYC/AML) ADVISOR FOR INTERNATIONAL TRADE: Verification of corporate identities, prevention of money laundering, and regulatory compliance applied exclusively to the supply chain and physical trade of goods. MANAGEMENT AND COMPLIANCE CONSULTING FOR COMMODITIES COMPANIES: Advisory services on traceability, customs regulations, and regulatory frameworks applicable to the trade of raw materials, without intervening in the financial trading or derivatives of such assets. 3.4. LIMITATION OF LIABILITY AND USER'S DUTY Given the auxiliary and unregulated nature of our activities, the operating entity disclaims any and all liability for investment decisions that users may make based on the information provided on this portal. Users, clients, and visitors are strongly urged to always verify the regulatory status of any entity they intend to do business with through the official registers of the CNMV or the BANK OF SPAIN, and to seek independent, duly qualified financial, tax, or legal advice before making any economic decisions.

DUE DILIGENCE (KYC/AML), INFORMATION VERIFICATION, DISCLAIMER REGARDING PUBLIC DATA, AND CONSEQUENCES OF NON-COMPLIANCE 4.1. SCOPE AND DEPTH OF DUE DILIGENCE The user acknowledges, accepts, and expressly consents that all documentation, data, statements, and information provided to the consortium, or gathered during the business relationship, will be subject to a rigorous, exhaustive, and ongoing Due Diligence and Know Your Customer (KYC) process. This process, aligned with the strictest international standards for Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT), includes, but is not limited to: Review, verification, and cross-referencing of information with public and private databases, commercial registries, property registries, and tax records. Verification against international sanctions lists (OFAC, EU, UN, ETC.), lists of Politically Exposed Persons (PEPs), and their close associates and family members. Screening in national and international media, social networks, and OPEN SOURCE INTELLIGENCE (OSINT) sources for the detection of adverse media. Identification and verification of the Ultimate Beneficial Owner (UBO) of any legal structure, trust, or entity represented by the user. 4.2. NATURE OF INFORMATION AND THE "MIRROR PRINCIPLE" The user accepts and understands that the BANK-TO-BANK CONSORTIUM acts solely as a collector, aggregator, and processor of information that is already in the public domain or generated by third parties. The consortium is not the creator, modifier, auditor, or guarantor of the absolute accuracy, integrity, or currency of such third-party records. The consortium is limited to applying the "mirror principle," that is, mirroring and reflecting the objective and public reality existing at the time of consultation. Therefore, any error, obsolescence, or inaccuracy in the original public data is not attributable to the consortium. 4.3. ABSOLUTE DISCLAIMER OF LIABILITY AND INDEMNIFICATION Consequently, if the user disagrees with the results, conclusions, risk ratings, or reports derived from this verification process, they expressly, voluntarily, knowingly, and irrevocably waive the right to file any type of claim, lawsuit, complaint, or legal action, whether of a civil, commercial, criminal, or administrative nature, against the consortium, its member entities, administrators, employees, auditors, or affiliates. Furthermore, the user undertakes to hold harmless and indemnify the consortium against any claims, damages, or losses that may arise from third parties due to the communication or processing of this public data by the consortium in compliance with its legal obligations. 4.4. REPUTATIONAL RISK, PUBLIC RECORDS, AND EXCLUSION OF THE "RIGHT TO BE FORGOTTEN" The consortium assumes no responsibility whatsoever for any harm, detriment, moral damage, or impact on the user's image, reputation, honor, or commercial credit that may arise from the existence, accessibility, cross-referencing, or disclosure of such public records, litigation, or debts. The user expressly declares that, as this involves information of a public nature and legally accessible, processed for compliance with legal obligations and the exercise of the consortium's legitimate interest, THEY ARE NOT ENTITLED TO AND CANNOT EXERCISE THE RIGHTS OF ERASURE ("RIGHT TO BE FORGOTTEN") OR RESTRICTION OF PROCESSING regarding such data within the consortium's systems. The safeguarding of one's own image, the correction of errors in source registries, and the clearing of public records are the sole, non-transferable, and exclusive responsibility of the user. 4.5. CONSEQUENCES OF DISCREPANCIES, OMISSIONS, OR FALSEHOODS The user guarantees that all information provided is truthful, current, and complete. In the event that the Due Diligence process reveals discrepancies, deliberate omissions, documentary falsehoods, or an unacceptable risk profile for the consortium, the consortium reserves the absolute right and discretion to: Reject the application or deny the requested operation without the need for extensive justification. Immediately suspend or terminate any business relationship or operational account. Retain funds or documents in preventive custody according to applicable regulations. File a Suspicious Activity Report (SAR) or report to the Financial Intelligence Unit (FIU) or competent authority, without this generating any liability for the consortium towards the user. 4.6. DATA RETENTION, GDPR, AND REGULATORY COMPLIANCE Finally, in exercise of the legitimate interest recognized in Article 6.1(f) of Regulation (EU) 2016/679 (GDPR), and in strict compliance with legal obligations regarding the prevention of money laundering (Article 6.1(c) GDPR), the consortium will retain all documentation, evidence, Due Diligence reports, and communication trails provided or generated by the user. This retention will be maintained for the legally established statute of limitations periods (which in AML matters is typically a minimum of 10 years following the termination of the business relationship). This retention has the sole and exclusive purpose of prevention, investigation, and the filing or exercise of possible judicial or extrajudicial claims, the defense of the consortium's interests, and the demonstration of regulatory compliance (accountability) before supervisory authorities.

LEGAL REPRESENTATION, PARTNER IDENTITY AND DISCLAIMER OF LIABILITY FOR THIRD-PARTY ACTIONS 5.1. ACCREDITATION OF PARTNER AND REPRESENTATIVE STATUS Only those natural or legal persons who are expressly listed as such in the public deeds of incorporation or modification thereof, duly registered with the corresponding Commercial Registry, shall have the legal status of partners, administrators, attorneys-in-fact or legitimate representatives of the companies that make up the BANK-TO-BANK CONSORTIUM business group. Representative capacity shall be strictly governed by the provisions of said public titles and current commercial legislation. 5.2. INEFFECTIVENESS OF ACTIONS BY UNAUTHORIZED THIRD PARTIES Any person who, not appearing in said official documentation, claims, declares or presents themselves to third parties as a partner, representative, employee, collaborator, advisor or affiliate of the consortium, absolutely lacks legitimacy, legal capacity and powers of representation to bind these companies in any way. Consequently, the BANK-TO-BANK CONSORTIUM business group disclaims and rejects all responsibility, whether civil, criminal, commercial, administrative or labor, for any action, promise, agreement, communication, offer, negotiation or transaction that said unauthorized person attempts to carry out or has carried out in the name of the consortium. Obligations and commitments shall only be valid, enforceable and binding if formalized in writing in official documents and signed by the legal representatives duly authorized according to the current public deeds. 5.3. DIGITAL COMMUNICATIONS, SOCIAL MEDIA AND ELECTRONIC MEANS It is expressly established that communications made through e-mails with unofficial domains, instant messaging (such as WhatsApp, Telegram or Signal), social media or websites not verified as official corporate channels, do not generate any legal bond. The consortium is not responsible for information, offers or requirements disseminated through these unofficial means by third parties. 5.4. INTERMEDIARIES, BROKERS AND EXTERNAL MANAGERS The BANK-TO-BANK CONSORTIUM business group does not maintain exclusivity agreements, nor does it grant implicit powers of representation to brokers, financial intermediaries, finders or external managers, unless there is a specific and current notaries mandate that accredits it as such. Any commission, fee or management expense demanded by these third parties from clients or investors is the sole responsibility of whoever collects it, with the consortium being totally disconnected from said economic demands. 5.5. CORPORATE IMAGE PROTECTION AND ANTI-FRAUD POLICY Any unauthorized use of the trademarks, logos, stationery, seals, corporate name or corporate materials of BANK-TO-BANK CONSORTIUM will be considered a violation of intellectual and industrial property rights, as well as an act of unfair competition and/or fraud. Likewise, third parties are informed that the consortium DOES NOT REQUEST, NOR AUTHORIZE ANYONE TO REQUEST, advance payments, "management fees", "release fees", "bonds" or "account opening costs" for the formalization of legitimate financial or commercial operations. Any requirement of this nature made by a supposed representative is indicative of a fraudulent maneuver. 5.6. DUTY OF DILIGENCE, VERIFICATION AND OFFICIAL COMPLAINT CHANNEL Users, clients and third parties are strongly urged to exercise the maximum duty of diligence and to verify in a reliable manner the identity and powers of representation of any interlocutor who claims to act on behalf of the consortium, requesting the relevant accrediting documentation (such as current registry certification, compulsed copy of powers of attorney or official letter of appointment). To facilitate this task and report any irregularity, the following official verification and complaint channel of the business group is enabled: E-MAIL: bank-to-bank@bank-to-bank.es CONTACT TELEPHONES: +34 625 209 869 / +34 636 080 420 5.7. ABSOLUTE NULLITY AND FALSITY OF APPARENT DOCUMENTATION It is declared expressly, categorically and unequivocally that ANY DOCUMENT, CERTIFICATE, EMPLOYMENT CONTRACT, LETTER OF APPOINTMENT OR DEED THAT ATTEMPTS TO ATTRIBUTE TO A PERSON THE STATUS OF ATTORNEY-IN-FACT, WORKER, EMPLOYEE OR PARTNER OF BANK-TO-BANK CONSORTIUM IS ABSOLUTELY FALSE, when said person does not appear in the official records previously mentioned. The business group DOES NOT RECOGNIZE ANY VALIDITY, EFFECTIVENESS OR LEGITIMACY OF SAID DOCUMENTS, and formally states that THERE IS NO RECORD OF HAVING SIGNED, GRANTED, AUTHORIZED, SEALED OR ENDORSED ANY DOCUMENT OF THIS NATURE in favor of unauthorized third parties. The exhibition, presentation or use of such documents by any individual will be considered a serious and sufficient indication of documentary falsity, fraud and identity theft, immediately activating all corresponding criminal and civil legal actions by the consortium. Any attempt at identity theft, documentary falsity, phishing or fraudulent representation will be immediately reported to the competent judicial, police and regulatory authorities, with the consortium reserving the right to exercise all legal actions that correspond for the claim of damages and losses, including loss of profits.

GEOGRAPHICAL RESTRICTIONS, REGULATORY COMPLIANCE (KYC/AML), AND DUE DILIGENCE The Consortium carefully selects its clients and reserves the right of admission, not accepting all business requests. Our policy is one of zero tolerance towards illicit operations; therefore, all proposals and transactions must strictly comply with international Anti-Money Laundering (AML) and Counter-Terrorist Financing (CFT) laws. 6.1. FATCA RESTRICTIONS AND PROHIBITED JURISDICTIONS Due to the Foreign Account Tax Compliance Act (FATCA) and the Consortium's internal regulations, NO SERVICES ARE PROVIDED to U.S. passport holders, U.S. incorporated entities, U.S. tax residents, or clients using U.S. based or U.S. correspondent banks for transaction processing. Furthermore, operations involving jurisdictions classified as non-cooperative tax havens or countries subject to international trade embargoes are strictly rejected. 6.2. REGULATORY FRAMEWORK AND INTERNATIONAL STANDARDS All operations are governed by strict compliance with: EU Directive 91/308/EEC, and its successive amendments and updates (including Directives 2001/97/EC, 2005/60/EC, and the most recent EU AML Directives). The 40 Recommendations of the Financial Action Task Force (FATF). United Nations conventions against drug trafficking, transnational organized crime, and corruption. Guidelines of the Basel Committee on Banking Supervision. Consolidated sanctions lists of the European Union, OFAC (Office of Foreign Assets Control), and the UN Security Council. 6.3. KNOW YOUR CUSTOMER (KYC) DUE DILIGENCE AND ULTIMATE BENEFICIARIES The Consortium applies Know Your Customer (KYC) and Enhanced Due Diligence (EDD) policies. It is mandatory to identify and verify the ULTIMATE BENEFICIAL OWNER (UBO) of any corporate entity, tracing down to the natural persons holding final control of the company. Additionally, thorough screening is conducted to identify Politically Exposed Persons (PEPs) and their close family members or associates, requiring senior management approval to operate with such profiles. 6.4. VERIFICATION OF COMMERCIAL AND BANKING DOCUMENTATION Any document submitted within the framework of a transaction (including, but not limited to, SCO, FCO, ICPO, LOI, RWA, BCL, or financial instruments such as LC, SBLC, BG) is subject to verification. ZERO TOLERANCE FOR FRAUD: Any fraudulent, altered, or falsified document will be immediately rejected, the transaction will be canceled, and the incident will be reported to the competent authorities and international financial fraud databases. GROUNDS FOR REJECTION: Documentation will be discarded due to poor scan quality, lack of authorized signatures, absence of official bank stamps, suspected forgery, data inconsistencies, or failure to meet the technical specifications required by the Consortium. BANK VERIFICATION: Financial capacity documents (BCL, RWA) and payment instruments must be verified directly from bank to bank (Bank-to-Bank) through secure systems such as SWIFT (MT199/MT799); verifications through intermediaries or private servers will not be accepted. 6.5. CONSEQUENCES OF NON-COMPLIANCE AND CONFIDENTIALITY Non-compliance with AML/KYC regulations will result in the immediate termination of negotiations and the inclusion of the offenders in the Consortium's internal blacklist. If any indications of money laundering are detected, a Suspicious Activity Report (SAR) will be filed with the relevant Financial Intelligence Unit (FIU). All information and documentation provided by the client during the KYC process will be treated with strict confidentiality, stored on secure servers, and used exclusively for regulatory compliance purposes, in accordance with applicable data protection laws.

INTELLECTUAL AND INDUSTRIAL PROPERTY, COPYRIGHT, AND DIGITAL ASSETS All rights, title, and interest in the website, its digital platforms, and all associated content belong exclusively to the BANK-TO-BANK CONSORTIUM business group or its legitimate licensors. The website and its services are intended solely for personal, informational, and non-commercial use. 7.1. OWNERSHIP AND SCOPE OF RIGHTS The intellectual property of the Consortium encompasses, including but not limited to: the source code, graphic design, user interfaces, navigation structures, databases, texts, images, videos, icons, as well as OPERATIONAL METHODOLOGIES, STANDARD OPERATING PROCEDURES (SOPS), FINANCIAL DOCUMENT TEMPLATES, CONTRACT TEMPLATES, AND THE CONSORTIUM'S "KNOW-HOW". All these elements are protected by national and international copyright, trademark, and patent laws. 7.2. LICENSE OF USE AND STRICT RESTRICTIONS Users are granted a limited, revocable, non-exclusive, and non-transferable license to access and use the site. It is STRICTLY PROHIBITED, without the prior, express, and written authorization of the BANK-TO-BANK CONSORTIUM: The reproduction, distribution, public communication, transformation, or creation of derivative works. The use of "FRAMING", "DEEP LINKING" techniques, or massive data extraction ("scraping" or "data mining"). Reverse engineering, decompilation, or disassembly of the source code and underlying software. The circumvention, deactivation, or interference with security measures or DIGITAL RIGHTS MANAGEMENT (DRM) implemented on the site. Any commercial, lucrative, or business use of the site's content or tools. 7.3. TRADEMARKS, TRADE NAMES, AND CORPORATE ASSETS The name "BANK-TO-BANK CONSORTIUM", its logo, slogans, domain names, and any other trademark or distinctive sign displayed on the site are registered or pending registration property. Unauthorized use of these trademarks, or any element that may cause confusion or discredit the Consortium, constitutes an infringement of industrial property rights and will be prosecuted by appropriate legal means. 7.4. USER-GENERATED CONTENT AND ASSIGNMENT OF RIGHTS In the event that users submit, upload, or transmit any content (comments, documents, data) through the site: WARRANTY OF OWNERSHIP: The user warrants that they are the legitimate owner of the intellectual property rights to said content and that its submission does not infringe upon the rights of third parties. LICENSE TO THE CONSORTIUM: The user grants the BANK-TO-BANK CONSORTIUM a worldwide, perpetual, irrevocable, non-exclusive, transferable, sublicensable, and royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute said content in any format, in connection with the site's services and the Consortium's operations. WAIVER OF MORAL RIGHTS: To the maximum extent permitted by applicable law, the user waives their moral rights over the submitted content. INDEMNIFICATION: The user agrees to indemnify and hold harmless the Consortium against any claims, damages, or losses arising from the infringement of third-party intellectual property rights by the content provided by the user. 7.5. SUGGESTIONS AND "FEEDBACK" Any comments, suggestions, improvement ideas, or "FEEDBACK" sent by users to the Consortium shall be considered non-confidential information. The BANK-TO-BANK CONSORTIUM shall have absolute freedom to use, reproduce, and exploit such suggestions for any purpose, without any obligation of compensation, acknowledgment, or restriction towards the user. 7.6. INFRINGEMENTS AND LEGAL ACTIONS Non-compliance with any of the stipulations in this section will result in the immediate revocation of the use license, permanent blocking of the user's account, and deletion of their data. The BANK-TO-BANK CONSORTIUM reserves the right to pursue all appropriate civil and criminal actions against infringers to claim damages and losses incurred.

RULES OF CONDUCT, ACCEPTABLE USE OF THE SITE, AND USER LIABILITY The user expressly undertakes to use the site, its services, and digital platforms in accordance with applicable law, morality, public order, and these general conditions. Use of the site implies full and unconditional acceptance of all rules of conduct established herein. 8.1. GENERAL COMMITMENTS OF THE USER The user guarantees that they will act at all times lawfully, loyally, and in good faith, refraining from using the site for any unlawful purpose or effect, harmful to the rights and interests of third parties, or that in any way may damage, disable, overburden, deteriorate, or prevent the normal use of the site, computer equipment, or documents, contents, and files contained on any of the BANK-TO-BANK CONSORTIUM computer systems. 8.2. STRICTLY PROHIBITED CONDUCT It is STRICTLY PROHIBITED for the user, without limitation: UNAUTHORIZED ACCESS: Performing unauthorized access to the site, its servers, databases, or connected systems, as well as hacking, cracking, stealing, or intercepting passwords, credentials, personal data, or confidential information of other users or the Consortium. IMPERSONATION: Pretending to be another person or entity (impersonation), using offensive or misleading usernames, or infringing on registered trademarks, copyrights, or trade names of third parties, as well as engaging in phishing or social engineering practices. INFRASTRUCTURE DAMAGE: Damaging, overburdening, deteriorating, or interfering with the functioning of the site through denial-of-service (DDoS) attacks, malicious code injection, or any other technique that compromises the availability or integrity of the platform. SPAM AND UNSOLICITED ADVERTISING: Sending mass mail (spam), unsolicited advertising messages, pyramid letter chains, unauthorized multi-level marketing schemes, or any form of unconsented commercial communication. ILLICIT OR HARMFUL CONTENT: Publishing, transmitting, disseminating, or storing illegal, defamatory, obscene, pornographic, racist, xenophobic, or discriminatory content, inciting hatred, violence, or terrorism, or that is harmful to minors or vulnerable individuals. MALWARE TRANSMISSION: Introducing or disseminating computer viruses, trojans, worms, logic bombs, ransomware, spyware, adware, or any other malicious or technologically harmful material. SYSTEM MANIPULATION: Attempting to manipulate, alter, or interfere with transaction results, verification systems, KYC/AML processes, or any security mechanism of the Consortium. 8.3. PROTECTION OF TECHNOLOGICAL INFRASTRUCTURE The user undertakes not to use, introduce, or distribute automated tools such as bots, crawlers, spiders, scrapers, or scripts of any kind to access the site, collect data, or interact with its services without the express written authorization of the BANK-TO-BANK CONSORTIUM. Likewise, the use of proxies, VPNs, or other technologies designed to evade geographical restrictions, sanctions, or security blocks implemented by the Consortium is strictly prohibited. 8.4. ADVERTISING, BUSINESS MODEL, AND ACCEPTANCE OF COMMUNICATIONS The site is funded wholly or partially through advertising, sponsorships, and commercial links. Therefore: The user expressly agrees to receive advertising, promotional, and commercial messages from the BANK-TO-BANK CONSORTIUM and its strategic partners, via email, push notifications, internal messaging, or other digital channels. The user undertakes NOT TO USE TECHNOLOGIES, EXTENSIONS, SOFTWARE, FILTERS, OR METHODS that block, hide, alter, or interfere with the reception and display of advertising integrated into the site, including ad-blockers, obfuscation tools, or any analogous mechanism. Non-compliance with this obligation will entitle the Consortium to restrict or deny access to the infringing user. 8.5. MONITORING, MODERATION, AND COOPERATION WITH AUTHORITIES The BANK-TO-BANK CONSORTIUM reserves the right, but not the obligation, to monitor, review, moderate, edit, or remove any content, account, or user activity that, in its sole discretion, fails to comply with these rules or may be illegal, offensive, or harmful. The Consortium will fully cooperate with judicial, law enforcement, financial, and regulatory authorities in the investigation of any illicit activity, providing all information, connection logs, and traffic data legally required, without the need for prior notification to the affected user. 8.6. SUSPENSION, TERMINATION, AND CONSEQUENCES OF NON-COMPLIANCE The BANK-TO-BANK CONSORTIUM reserves the right to: TEMPORARILY OR PERMANENTLY LIMIT, SUSPEND, OR PREVENT access to the site and its services for any user who fails to comply with these rules, without the need for prior notice or justification. INTERRUPT THE SERVICE GENERALLY OR PARTIALLY with a minimum notice of 15 BUSINESS DAYS, except in cases of force majeure, urgent technical maintenance, cyberattacks, or situations posing a risk to the security of the Consortium or its users, in which case the interruption may be immediate. DELETE ACCOUNTS AND CONTENT that violate the rules of conduct, retaining only the information necessary for regulatory compliance, legal investigation, or liability claims. PURSUE CIVIL AND CRIMINAL LEGAL ACTIONS as appropriate against infringing users, claiming material and moral damages caused to the Consortium, its partners, or third parties. INCLUDE THE INFRINGING USER in internal and external blacklists, financial fraud databases, and default registries, communicating this to the competent authorities and other entities in the sector.

LIMITATION OF LIABILITY It is expressly clarified that NO CONTRACT, AGREEMENT, OR BINDING DOCUMENT OF ANY KIND IS SIGNED WITH US, and that NO TYPE OF INVESTMENT IS CARRIED OUT, MANAGED, OR FACILITATED through this business group or consortium. We operate exclusively as an informational and consultative platform, providing general market insights, educational resources, and business networking opportunities. Our services do not constitute financial advice, investment recommendations, brokerage services, asset management, or any form of regulated financial intermediation. Consequently, and given the absence of registration with the CNMV (SPANISH SECURITIES MARKET COMMISSION) or any other national or international financial regulatory authority, the consortium assumes no responsibility whatsoever related to investment decisions, capital losses, transaction results, market fluctuations, or any financial outcomes experienced by users, as these activities are completely unrelated to our operations. Users acknowledge that any investment activity they undertake is done at their own risk and discretion, independent of any information or materials provided through our platforms. The consortium does not charge upfront commissions, fees for investment placement, or any charges related to facilitating financial transactions. We are not responsible for unofficial emails, phishing attempts, identity theft, fraudulent communications impersonating our brand, or amounts sent to third parties on the users' own initiative. Users are strongly advised to verify the authenticity of all communications and to exercise extreme caution when sharing personal or financial information. Any transaction conducted with third parties, whether introduced through our network or otherwise, is entirely outside our control and supervision. Likewise, continuous, uninterrupted, error-free, or secure access to the website is not guaranteed. The consortium, its subsidiaries, executives, employees, agents, partners, and suppliers shall not be liable for direct, indirect, special, consequential, incidental, punitive, or exemplary damages arising from site failures, technical malfunctions, server downtime, viruses, malware, data interception, unauthorized access, typographical errors, inaccuracies in published content, force majeure events, strikes, natural disasters, cyberattacks, or any circumstances beyond our reasonable control. All information provided on our platforms, including but not limited to market analyses, economic forecasts, company profiles, and industry reports, is offered "as is" without warranties of any kind, either express or implied. While we strive to ensure the accuracy and timeliness of our content, we make no representations or warranties regarding its completeness, reliability, or suitability for any particular purpose. Users should independently verify any information before relying upon it for decision-making purposes. Finally, it is expressly stated that, in the event that the client decides to sign any document, enter into any agreement, or engage in any business relationship with third parties (including but not limited to investment firms, brokers, financial advisors, or other service providers), IT IS THE CLIENT'S EXCLUSIVE RESPONSIBILITY TO CARRY OUT THEIR OWN DUE DILIGENCE BEFOREHAND AND INDEPENDENTLY. This includes, but is not limited to, verifying the legitimacy, licensing, regulatory status, reputation, and financial stability of any third party. We do not intervene in, endorse, guarantee, sponsor, or assume any responsibility for such agreements, transactions, or relationships. Any claims, disputes, or liabilities arising from dealings with third parties must be resolved directly between the involved parties, without recourse against the consortium. By accessing and using our services, users expressly acknowledge, understand, and accept all terms outlined in this limitation of liability clause. If users do not agree with these terms, they must immediately cease using our platforms and services.

CONFIDENTIALITY AND ELECTRONIC COMMUNICATIONS All information exchanged, as well as any discussions regarding potential transactions, business opportunities, or corporate matters, is strictly private and confidential in nature. It is expressly clarified, once again, that none of these communications imply the offer, sale, purchase, intermediation, advisory, or management of registered government securities, financial instruments, crypto-assets, or any other type of regulated or unregulated investment. The exchange of information is for exclusively informational, educational, or preliminary networking purposes, and does not constitute a binding offer of financial services under any circumstances. Information shared between the parties, including but not limited to financial data, business strategies, corporate documents, business plans, intellectual property, trade secrets, client information, and personal data, is deemed strictly confidential ("Confidential Information"). Its disclosure, reproduction, distribution, publication, or use for personal benefit or for the benefit of unauthorized third parties is strictly prohibited, except when strictly required by a competent judicial authority through a final order, or when necessary to comply with imperative legal obligations. Receiving parties of such information agree to keep it in the strictest confidence and to use it solely for the purposes explicitly agreed upon in the context of the initial communication. All electronic communications, messages (including emails, instant messaging, and collaborative platforms), documents, and attachments transmitted through this medium constitute private communications and are protected by the ELECTRONIC COMMUNICATIONS PRIVACY ACT (18 U.S.C. 2510), as well as applicable securities laws, data protection regulations (such as the GDPR in Europe or local equivalents), and privacy laws in the relevant jurisdictions. Any unauthorized interception, monitoring, use, copying, alteration, or illicit disclosure of these messages by unintended recipients, hackers, disloyal employees, or third parties outside the communication is strictly prohibited and may be subject to appropriate civil and criminal legal actions, including claims for damages. Users and recipients acknowledge that electronic communications may be subject to inherent security risks, such as technical failures, computer viruses, or security breaches beyond the reasonable control of the sender. Therefore, although we implement industry-standard security measures, we do not guarantee the absolute inviolability of digital transmissions. It is the recipient's responsibility to ensure that their own systems are adequately protected. In the event that you receive any communication, file, or information in error, addressed to another person or entity, please immediately notify the sender by replying to this message. Furthermore, you must immediately and irreversibly delete such information from your primary system, as well as from any backups, cloud storage servers, or physical media, and confirm its total destruction in writing if requested. It is strictly prohibited to read, copy, distribute, or take any action based on such information received erroneously. Finally, it is expressly understood and accepted that the mere exchange of this confidential information DOES NOT CREATE ANY CONTRACTUAL OBLIGATION, PARTNERSHIP, JOINT VENTURE, OR FIDUCIARY RELATIONSHIP between the parties. Nor does it imply that any document, agreement, or contract will be signed with us, nor does it constitute an invitation, public offer, or solicitation to make any investment. Participation in these conversations does not grant exclusive or preferential rights, and either party may decide to terminate discussions at any time without prior justification or penalty. By participating in these communications, you acknowledge having read, understood, and fully accepted the confidentiality terms described herein.

GOVERNING LAW, JURISDICTION, AND LANGUAGE These Terms of Use, as well as any relationship derived from accessing or using our platforms, services, or content, shall be governed by and construed in accordance with the substantive laws of the Kingdom of Spain, expressly excluding its conflict of law principles that might refer to the legislation of another country. This choice of law applies regardless of the user's place of residence, domicile, or nationality. Any dispute, controversy, claim, or litigation arising out of or relating to these Terms, the use of the website, their interpretation, or any act or omission by the consortium, its subsidiaries, executives, employees, or agents, shall be submitted exclusively to the jurisdiction of the COMPETENT COURTS AND TRIBUNALS LOCATED IN THE CITY OF MADRID, SPAIN (or the corporate headquarters of the consortium if different). By accessing this site and using our services, the user expressly, irrevocably, and unconditionally waives any right to invoke any other jurisdiction, forum, or court, whether national or international, and specifically waives the right to a trial by jury, acknowledging that disputes will be resolved exclusively by professional judges. The user agrees that any legal claim or judicial action must be filed within a strict and peremptory period of ONE (1) YEAR from the date the cause of action arises or the fact generating the damage occurs. Failure to comply with this deadline will result in the definitive statute of limitations of the right to claim, without exception. This limitation period applies to all types of actions, whether contractual, tortious, based on negligence, statutory violation, or any other legal theory. In the event that translations of these Terms into other languages (English, French, German, etc.) exist, such translations are provided solely for convenience and ease of understanding for international users. However, in the case of any discrepancy, ambiguity, contradiction, or conflict between a translated version and the original Spanish version, THE ORIGINAL SPANISH VERSION SHALL PREVAIL AND CONTROL IN ALL RESPECTS. The Spanish version is the only legally binding and authentic version. If any provision or clause of these Terms is held to be null, illegal, invalid, or unenforceable by a competent court or regulatory authority, such provision shall be deemed separable from the rest of the agreement. It shall be interpreted and applied to the maximum extent permitted by applicable law to preserve the original intent of the parties, and the remaining provisions shall remain in full force and effect. Partial nullity shall not affect the validity of the document as a whole. Furthermore, the user acknowledges and accepts that the consortium is not subject to mandatory arbitration unless both parties agree otherwise in writing in a specific subsequent contract. However, the absence of an arbitration clause in these general terms does not prevent the consortium from requiring, at its discretion, dispute resolution through prior mediation before resorting to judicial proceedings, as a good faith mechanism for alternative dispute resolution. By using our services, you confirm that you have read, understood, and accepted submission to this law, jurisdiction, and limitation periods, waiving any objection based on forum non conveniens or lack of personal jurisdiction.

DATA PROTECTION, COOKIES, AND CORPORATE INFORMATION 1. Data Controller and Legal Framework The processing of your personal data, including documentation retained for legal defense as mentioned in Section 4 of these Terms, is governed by our comprehensive Privacy Policy, available on our website. This processing is carried out in strict compliance with Regulation (EU) 2016/679 (GDPR) and Organic Law 3/2018, of December 5, on Personal Data Protection and guarantee of digital rights (LOPDGDD). The legal bases legitimizing the processing of your data are: Compliance with legal obligations: To retain records required by competent authorities or for the prevention of money laundering and terrorist financing, in accordance with current regulations. Legitimate interest: For administrative management, network and information security, fraud prevention, and improvement of our services. Explicit consent: In specific cases where prior authorization is required (e.g., for sending commercial communications not related to the main service). 2. User Rights (ARCO-POL) You have the right to access, rectify, erase ("right to be forgotten"), object to processing, request limitation of processing, and exercise data portability. Furthermore, you have the right to withdraw your consent at any time without affecting the lawfulness of processing based on consent prior to its withdrawal. To exercise these rights, you may send a written request accompanied by a copy of your identity document to the email address indicated below. You also have the right to file a claim with the Spanish Data Protection Agency (AEPD) if you believe that the processing does not comply with current regulations. 3. Cookie Policy and Tracking Technologies This website uses first-party and third-party cookies to ensure its proper functioning, analyze browsing habits, and improve user experience. We classify cookies as follows: Technical/Necessary Cookies: Essential for navigation and the use of various options or services within the site. They do not require consent. Analytical/Performance Cookies: Allow us to quantify the number of users and perform statistical measurement and analysis of how users utilize the service. Their acceptance is configurable by the user through the cookie banner or browser settings. Third-Party Cookies: Originating from external providers (such as analytics tools or social networks) that may install cookies when you interact with embedded content. Users can configure their browsers to reject all cookies or to notify them when a cookie is installed. However, please note that disabling certain technical cookies may affect the functionality of the site. 4. Corporate Information and Ownership This website is operated and owned by the following commercial entities, duly registered in the corresponding Mercantile Registry: INTERNATIONAL ASSET OPERATIONS SLU Tax ID (NIF/CIF): B12710067 Corporate Purpose: Business consulting, commercial intermediation, and management of non-financial assets. INTERNATIONAL PURCHASE OF ASSET SL Tax ID (NIF/CIF): B44510014 Corporate Purpose: Asset management, strategic advisory, and corporate operations. Both entities act as joint or independent controllers depending on the specific context of data processing or service provision, ensuring regulatory compliance at all times. 5. Contact and Data Protection Officer (DPO) For any inquiries related to privacy, exercise of rights, or technical incidents, you may contact our compliance team or Data Protection Officer via: Email: bank-to-bank@bank-to-bank.es Recommended Subject Line: "Data Protection / Privacy" We commit to responding to your requests within the maximum period established by law. Last updated: July 22, 2026. Note: We reserve the right to modify this policy periodically to adapt it to legislative developments or changes in our processing practices. We recommend reviewing this section regularly.

ETAGS, ASSETS (GENERIC): consortium bank-to-bank, bank-to-bank, we sell assets, sell asset, buy assets, buy asset, we monetize assets, asset monetization, we duplicate assets, asset duplication, bullet assets, asset program, SBLC  STAND BY LETTER OF CREDIT: we sell (SBLC) stand by letter of credit, sell (SBLC) stand by letter of credit, monetize (SBLC) stand by letter of credit, asset monetization (SBLC) stand by letter of credit, duplicate (SBLC) stand by letter of credit, asset duplication (SBLC) stand by letter of credit, bullet (SBLC) stand by letter of credit, program (SBLC) stand by letter of credit, LC  LETTER OF CREDIT: we sell (LC) letter of credit, sell (LC) letter of credit, monetize (LC) letter of credit, asset monetization (LC) letter of credit, duplicate (LC) letter of credit, asset duplication (LC) letter of credit, bullet (LC) letter of credit, program (LC) letter of credit, DLC  DOCUMENTARY LETTER OF CREDIT: we sell (DLC) documentary letter of credit, sell (DLC) documentary letter of credit, monetize (DLC) documentary letter of credit, asset monetization (DLC) documentary letter of credit, duplicate (DLC) documentary letter of credit, asset duplication (DLC) documentary letter of credit, bullet (DLC) documentary letter of credit, program (DLC) documentary letter of credit, BG  BANK GUARANTEE: we sell (BG) bank guarantee, sell (BG) bank guarantee, monetize (BG) bank guarantee, asset monetization (BG) bank guarantee, duplicate (BG) bank guarantee, asset duplication (BG) bank guarantee, bullet (BG) bank guarantee, program (BG) bank guarantee, MTN  MEDIUM TERM NOTE: monetize (MTN) medium term note, asset monetization (MTN) medium term note, duplicate (MTN) medium term note, asset duplication (MTN) medium term note, bullet (MTN) medium term note, program (MTN) medium term note, BD  BANK DRAFT: monetize (BD) bank draft, asset monetization (BD) bank draft, duplicate (BD) bank draft, asset duplication (BD) bank draft, bullet (BD) bank draft, program (BD) bank draft, BS  BANK STATEMENT: duplicate (BS) bank statement, asset duplication (BS) bank statement, bullet (BS) bank statement, program (BS) bank statement, SKR  SAFEKEEPING RECEIPT: monetize (SKR) safekeeping receipt, asset monetization (SKR) safekeeping receipt, duplicate (SKR) safekeeping receipt, asset duplication (SKR) safekeeping receipt, bullet (SKR) safekeeping receipt, program (SKR) safekeeping receipt, GB  GOLD BANK: monetize (GB) gold bank, asset monetization (GB) gold bank, duplicate (GB) gold bank, asset duplication (GB) gold bank, bullet (GB) gold bank, program (GB) gold bank, DB  DIAMONDS: monetize (DB) diamonds, asset monetization (DB) diamonds, duplicate (DB) diamonds, asset duplication (DB) diamonds, bullet (DB) diamonds, program (DB) diamonds, LTN  NATIONAL TREASURY BONDS EUROCLEAR: monetize (LTN) national treasury bonds euroclear, asset monetization (LTN) national treasury bonds euroclear, duplicate (LTN) national treasury bonds euroclear, asset duplication (LTN) national treasury bonds euroclear, bullet (LTN) national treasury bonds euroclear, program (LTN) national treasury bonds euroclear, GBW  GLOBAL BONUS: monetize (GBW) global bonus, asset monetization (GBW) global bonus, duplicate (GBW) global bonus, asset duplication (GBW) global bonus, bullet (GBW) global bonus, program (GBW) global bonus, SG  SOVEREIGN GUARANTEE: monetize (SG) sovereign guarantee, asset monetization (SG) sovereign guarantee, bullet (SG) sovereign guarantee, program (SG) sovereign guarantee, PRE SWIFT MT 799: monetize PRE-SWIFT MT 799, asset monetization PRE-SWIFT MT 799, bullet PRE-SWIFT MT 799, PRE-SWIFT MT 799 program, SWIFT MT 760: SWIFT MT 760 monetizations, SWIFT MT 760 bullet, SWIFT MT 760 program, OTHER: group, JOSE ANTONIO IGLESIAS BANUELOS, INTERNATIONAL PURCHASE OF ASSET S.L. B44510014, INTERNATIONAL ASSET OPERATIONS S.L.U. B12710067, SWITZERLAND, AUSTRALIA, SPAIN, LONDON, HONG KONG, GERMANY - WWW.BANK-TO-BANK.ES - July 22, 2026.