(TERMS OF USE - PART-1) Please read these Terms and Conditions carefully. By accessing this website and its pages, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with these terms, do not access this website and leave immediately. The BANK-TO-BANK CONSORTIUM corporate group reserves the right to modify these Terms of Use at any time, and it is your responsibility to review them periodically; your continued use of this website constitutes acceptance of all such changes. In this document, the terms "business group," "BANK-TO-BANK CONSORTIUM," and its affiliates refer to the corporate group. For contact information, please write to bank-to-bank@bank-to-bank.es. The information contained herein is for informational purposes only and does not constitute a commercial offer; it is intended exclusively for companies and individuals seeking financial information, financing, monetization programs, or asset purchase or sale opportunities. It is not an offer or solicitation. The materials provided by the BANK-TO-BANK CONSORTIUM group may describe possible service features and/or sample institutions solely for informational purposes; none are guaranteed and all are subject to change daily. Nothing in this document constitutes an offer or application to purchase an investment, solution, or recommendation to buy or sell securities, nor should it be construed as investment advice or a solicitation for investment funds or securities. Submission of documentation is at your own risk; prices and procedures may change at any time. Nothing in this message constitutes a digital or electronic signature for the authentication of contracts or legal documents. We do not guarantee or represent any buyer, seller, or transaction. Due diligence is the sole responsibility of the buyer and seller. Any fraudulent documents, including SCO, FCO, ICPO, LOI, RWA, BCL issued by buyers or sellers, will be reported to authorities such as the FBI, ICC, and INTERPOL. The services provided by the BANK-TO-BANK CONSORTIUM may not be available in all jurisdictions or to all individuals or entities. We carefully select our clients and do not accept all applications. Due to FATCA (Foreign Account Tax Compliance Act), we do not provide services to U.S. passport holders, U.S. companies, clients using U.S.-based banks for transactions, clients residing in the United States, or companies headquartered there. You acknowledge that the BANK-TO-BANK CONSORTIUM has informed you that all transactions carry risks and that clients must consult independent legal experts before initiating, signing, or committing to any transaction. Our company is not a mutual fund, bank, broker, financial company, financial advisor, nor licensed in any such capacity. We are not responsible for the purchase, sale, program, or multiplication of any asset submitted by you; execution is your responsibility. We do not accept assets that do not comply with our procedures. Confidentiality is strictly prohibited. All transactions contemplated by clients are strictly private and do not involve the sale of registered government securities. All transaction information is confidential and classified, and must not be shared with unauthorized parties. The BANK-TO-BANK CONSORTIUM has not publicly disclosed or mentioned any information from this document or its websites on any public forum. Disclosure, copying, distribution, reprinting, or reuse of the contents or information herein is strictly prohibited. Our documents and web publications should never be construed as an offer or solicitation of any kind. The recipient acknowledges this disclaimer. The sender is not a U.S. securities agent, broker, investment consultant, or registered product distributor but a business consultant and facilitator who makes no guarantees or representations regarding buyers, sellers, or transactions. Buyers and sellers are responsible for due diligence. Offers may be acted upon only by beneficial owners or their authorized representatives. The sender remains an intermediary and advisor, coordinating parties through experience and mandate. All communications are time-sensitive and subject to availability; products or conditions may change or be canceled without notice. We disclaim any liability for loss of opportunity, profits, or reputation, although we strive to facilitate agreements. By using this website, you confirm your understanding and acceptance of this disclaimer, which is supported by legal, economic, and advisory analysis provided to clients. Each case is studied independently to determine the best approach to successfully complete transactions. These websites consist of several sites operated by the BANK-TO-BANK CONSORTIUM group. Certain sections may have separate terms and conditions, which supplement these Terms of Use; by accessing such sections, you agree to those additional terms. In case of conflict, the additional terms prevail. Unauthorized use of the website or BANK-TO-BANK CONSORTIUM systems—including unauthorized access, misuse of passwords, or misuse of information—is strictly prohibited. You may not use this website in any way that damages, disables, overburdens, or impairs the site or services, or interferes with others’ use and enjoyment. Attempts to gain unauthorized access via hacking, password mining, or other means are forbidden. You agree not to engage in activities that violate applicable laws or regulations. The consortium reserves the right, at its sole discretion and without notice or obligation, to change, suspend, or discontinue any part of the website or services.

(TERMS OF USE - PART-2) Improve or correct the information, materials, and descriptions on this website and suspend and/or deny access to this website for planned or scheduled maintenance, updates, improvements, or corrections. The information and materials on this website may contain typographical errors or inaccuracies. Any dated information is published only as of its date, and the BANK-TO-BANK CONSORTIUM business group does not assume any obligation or responsibility to update or change said information. The website https://bank-to-bank.es may discontinue or change any product or service described or offered on this website at any time. Disclaimer Information, products, and services on this website are provided “as is,” wherever and whenever available. The BANK-TO-BANK CONSORTIUM corporate group does not guarantee the information or services provided in this document or through the website, whether express or implied, for any particular purpose, and expressly disclaims any implied warranties, including, but not limited to, warranties of title, non-infringement, merchantability, or fitness for a particular purpose. The BANK-TO-BANK CONSORTIUM group of companies will not be responsible for any loss or damage resulting from interception by third parties of any information or service available through this website. Even if the information provided is obtained or compiled from sources we consider reliable, the BANK-TO-BANK CONSORTIUM group cannot guarantee the accuracy, validity, timeliness, or completeness of any information or data. Neither the BANK-TO-BANK CONSORTIUM corporate group, nor any of its affiliates, directors, officers, employees, or any third-party providers will be liable for any loss or damage incurred due to failure or interruption of this website, or as a result of any act or omission by any party involved in the creation or maintenance of this website, or related to your access, inability to access, or use of the website or materials. This applies regardless of whether the cause was within the control of the BANK-TO-BANK CONSORTIUM group or its suppliers. In no event will BANK-TO-BANK CONSORTIUM or any related party be liable for any direct, special, indirect, consequential, incidental, or other damages of any kind, even if informed of the possibility thereof. This limitation includes, but is not limited to, damages caused by virus transmission, mechanical or electronic failure, communication line issues, unauthorized access, theft, operator errors, strikes, or force majeure. The BANK-TO-BANK CONSORTIUM business group cannot guarantee continuous, uninterrupted, or secure access to the website. Property Rights All rights, titles, and interests in this website and its contents belong exclusively to the BANK-TO-BANK CONSORTIUM corporate group unless otherwise stated. This website is for your personal, non-commercial use only. You may print, copy, or download information or portions of the website for personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or use for commercial or public purposes any information, software, products, or services obtained from this website, except as expressly permitted with prior written approval. If you copy or download any information or software from this website, you agree not to delete or obscure any copyright or other notices contained therein. The BANK-TO-BANK CONSORTIUM name, logo, and trademarks mentioned here are registered trademarks and service marks of the company. Other company or product names mentioned may be trademarks or service marks of their respective owners. You are prohibited from using any trademark without written permission. Third-Party Links This website may contain links to third-party websites provided solely for your convenience. The inclusion of any link does not imply affiliation, sponsorship, endorsement, or approval by the BANK-TO-BANK CONSORTIUM corporate group. The group assumes no responsibility for the content, accuracy, or legality of any third-party sites or for your use of them. Terms, conditions, and privacy policies of those sites may differ from this website. Securities Products No information on this website constitutes a recommendation, solicitation, or offer by the BANK-TO-BANK CONSORTIUM group or its affiliates to buy or sell securities, futures, options, or other financial instruments, nor to provide advisory or investment services. The information has not been prepared with reference to the investment needs or financial situation of any individual user. Certain transactions carry substantial risk and are not suitable for all investors. Before engaging in any transactions based on information from this website, you should consult your business advisor, attorney, tax, and accounting professionals regarding price, suitability, value, and risk. Prices and other data generated through the use of information or services on this website may not reflect actual market prices or values at the time you seek to buy or sell a security or financial instrument. Some products or services may not be available in all jurisdictions or to all customers. Choice of Law These terms of use are governed and interpreted under the laws of the State of Spain. Any disputes relating to the website https://bank-to-bank.es shall be submitted exclusively to the competent courts located in Spain. Both parties waive any right to a jury trial. Any claims must be filed within one (1) year after the cause of action arises. If any provision of these terms is deemed unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permitted, and the remainder of the terms will remain in full force and effect.

(TERMS OF USE - PART-3) These Terms of Use constitute the entire agreement between BANK-TO-BANK CONSORTIUM and you with respect to this Site and supersede all prior or contemporaneous communications, agreements and understandings between BANK-TO-BANK CONSORTIUM and you with respect to the subject matter described herein. BANK-TO-BANK CONSORTIUM of the corporate group of the consortium and you acknowledge and agree that, unless expressly included in any other agreement between the BANK-TO-BANK CONSORTIUM corporate group and you, the requirements of the electronic commerce policy (00/31/CE) as implemented, are excluded to the maximum extent permitted by law. A printed version of these terms of use will be admissible in judicial or administrative proceedings. Our responsibility is that which is in our contracts, signed by us, sealed before a notary and apostilled; everything that is not this, we are not responsible for. That is why we are not responsible for what people who work or do not work with us, or who in the past worked for us, told you or sent to you. We are not responsible for any email sent by us or others, as it may be identity theft of our email. We are not responsible for any email provided to anyone in our consortium for the same reason, or because the person loses his personal ethics and deceives a client. We are not responsible for any amount of money that you send to anyone, since our consortium does not — I repeat, does not — charge anything in advance. We are not responsible for our procedures since they are not a contract; they are ideas of how to carry out an operation, but all their content can change at any time, except for some of our procedures that have been altered or modified. Therefore, I recommend that you be very attentive to what you do and who you do it with, and what you commit to. Make sure that it is not another person who is the victim of a scam. Therefore, as I indicated at the beginning, only contracts signed by me with a notary exist; otherwise, I am not responsible for anything or anyone. Rejected documentation: your documentation is rejected for any of the following reasons; this does not mean that all the examples shown correspond to your documentation. The quality of the documentation is not worthy of being presented to the bank because its quality is bad and could be a fake; your passport is not in maximum resolution or is not fully scanned; the documents sent do not correspond to the requested documentation; the client is not accepted by us; falsified documents by him or by another person; the documentation is a forgery; the documentation is insufficient; the documentation is not exactly what is required. We recommend that you read our procedure again. Illegal proposals: sorry, illegal proposals are simply not accepted by the law of money laundering and because they are illegal. Please do not offer me more topics of this type of operation. Thank you, and we recommend your freedom to stay away from these criminal topics. If the recipient of this message is not the intended recipient or is not an employee or agent responsible for the delivery of this message to the intended recipient, you are hereby notified that disseminating or copying this message along with any attachments is unlawful. This communication and all attachments or documents constitute an electronic communication within the scope of the Electronic Communications Privacy Act, 18 USCA 2510; unlawful interception, use or disclosure of such information is strictly prohibited under 18 USCA 2511 and applicable laws. Notify the sender immediately by replying to this message and then delete it from your computer. Your cooperation in this matter will be greatly appreciated, as this private and confidential email message and attachments are for the intended recipient only; if you are not the intended recipient, please note that disclosing, copying, retransmitting, distributing or any other use of this information (including any reliance on it) is strictly prohibited, in which case please destroy this message and notify the sender. By reading this disclaimer, you acknowledge that this is a communication of private, privileged and confidential information and is not a solicitation of any kind, and is exempt from disclosure under applicable law, including ours, the Securities Act of 1933 and 1934 or the Investment Advisers Act of 1940 and all related regulations. It is covered by the Electronic Communications Privacy Act, 18 sections 2510-2521, and may also be protected by other privileges. This is an official response to your request and is for private purposes only. Commitments made in the European Union are subject to compliance with the rules promulgated by Council Directive 91/308/EEC of June 10, 1991 on the prevention of the use of the financial system for the purposes of money laundering [Official Journal L 166 of 06/28/1991], modified by Directive 2001/97/EC of the European Parliament and of the Council of December 4, 2001 [Official Gazette L 344 of 12/28/2001]; and now subject to the implementation of the third money laundering directive [Council Directive 2005/60/EC, 26 October 2005, Official Gazette L 309, 25/11/2005 p. 0015-0036]. In addition, the Commitments are subject to compliance with the forty recommendations of the Financial Action Task Force (FATF), June 20, 2003; and applicable laws adopted in accordance with the United Nations conventions against money laundering and terrorist financing, and the bank's general guidelines for international settlement of the Basel Committee on Banking Supervision, customer due diligence for banks, publication no. 85, 2003. Who we are: this website has address https://bank-to-bank.es and is operated by the company INTERNATIONAL ASSET OPERATIONS SLU B12710067, INTERNATIONAL PURCHASE OF ASSET SL B44510014. You can obtain more information by sending an email to the following contact email address bank-to-bank@bank-to-bank.es. This identifies the website and the company with the data that you can find in the legal notice, conditions of use, and cookie policy, which regulate the conditions. These conditions of use (“conditions”) regulate the access and use of the information society services that we make available to you as Internet users through the website (in any of its modalities, applications, etc., and for any type of fixed or mobile device through which the website is accessed), as well as, in general, the relationship between users and the website, except for other particular or specific communications, conditions and instructions, which in each case draw your attention to. Your access or the mere use of the website implies adherence as users to the conditions published at all times on the website and which will be available to users. Consequently, you must read these conditions carefully; you can save or print the terms at any time and we recommend that you do so. Prior information to access the website services: before using the website services or registering, the user expressly assumes that you are a person with the capacity to discern, that you have accessed the website of your own free will and that you have not been forced to do so, and that the selection of the services you make is made at your own and exclusive risk, expressly accepting these conditions, legal notice, terms of use, cookie policy, as well as those other notices and instructions, communications or particular conditions which in each case correspond and are brought to your attention. In relation to the particular conditions that regulate other services on the website, these conditions complete the provisions of said particular conditions to the extent that they do not oppose them. You should know that communications on open networks are exposed to threats that make them insecure. The company adopts all appropriate security measures for the correct functioning of the website; however, the user must adopt all the technical measures that correspond to them to reasonably control these threats, including having detection systems against malicious software, such as viruses, trojans, etc.

(TERMS OF USE - PART-4) Having updated the corresponding security patches in the browsers, as a user you are solely and exclusively responsible for the use you make of the website and its services, and being aware of this, you voluntarily accept such responsibility. Regarding minors, with respect to the navigation of the website by minors, except as indicated in previous paragraphs, users are warned that the company cannot control, except in other circumstances, the use of the website and its services by minors; therefore, besides the website, the company or its business group assumes no responsibility in this regard. It is communicated that parents and guardians will be solely responsible for supervising and assisting minors while browsing this website and for allowing any necessary mechanisms to prevent minors from accessing the website and/or its services when appropriate. No claims will be admitted in this regard. In relation to passwords or similar access codes, if any service on the website includes access codes or usernames, you must choose and provide your own access codes, username, password, or similar, without prejudice to other data that may be requested in the corresponding form, and you may not select words, expressions, or graphic sets that are profane, insulting, coincide with trademarks, trade names, establishment signs, company names, advertising expressions, names or pseudonyms of relevant personalities or public figures whose use is unauthorized, or that are contrary to law, morality, or generally accepted good customs. The username assignment occurs automatically upon user choice; if the requested passwords are reserved, new access passwords must be entered. The user undertakes to use the access passwords diligently, not to share them with third parties, and to notify the company of any loss, theft, or possible third-party access, being solely and exclusively responsible for their service access ID and the consequences arising from misuse, loss, or forgetting of the secret access key, password, or username. Regarding the general characteristics of the services, these are generally free, without the user having to make any payment to enjoy them, except for the connection costs through the telecommunications network contracted with the access provider. Notwithstanding the foregoing, access to certain website contents may not be free depending on factors such as user volume or content type, of which you will be informed and, where applicable, subscription or registration will be required. You may also access services offered by third parties through the website, which will have their own terms of use or contracting, specifying whether they are free or paid, without the company being responsible in this regard. In accordance with Article 17 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSI), and unless the company has proof that the activity or information on or from the website is unlawful or harms protected property or rights of third parties, the company is not responsible for information offered on or from the website by third parties or users. Users undertake to use the services, channels, and contents of the website in accordance with these terms, the law, morality, generally accepted good customs, and public order; they also commit not to use the website for fraudulent or illicit purposes, or for effects contrary to these terms, nor to harm the rights or interests of the company or third parties, or to damage, disable, overload, or deteriorate the services or contents, or prevent normal use or modify contents or other website elements. In this regard, users agree not to: send unsolicited advertising or commercial communications to website users without prior consent; send other unsolicited messages to multiple users; use distribution lists accessible via the website to carry out such activities; provide third parties with data from distribution lists; obtain information or materials by means other than those provided by the website; misuse contents; reproduce, modify, store, publish or transmit illegal, harmful, threatening, abusive, defamatory, vulgar, obscene, racist, or otherwise objectionable or illegal data, or contents harmful to minors, especially pornographic or violent content; hinder other users’ access by massive resource consumption; or carry out actions that damage or interrupt systems or services. Furthermore, the website is mainly financed by income derived from advertising; by accessing it, users agree to receive advertising messages and must not use technologies that prevent or alter full access or reception of website contents. The company reserves the right to limit, suspend, or prevent access to users who do not comply with these terms, adopting any necessary technical measures. Finally, the company reserves the right to decide at any time on the continuation of the services provided through the website. Users may participate in areas enabled for interaction, such as blogs, forums, chats, comments, or sharing, but the company limits itself to enabling these spaces and does not participate in or control them in any way.

(TERMS OF USE - PART-5) The result being mere contributions or opinions made by users under their own responsibility, the dissemination of these user contributions does not imply in any way that the company identifies with or shares the ideas, opinions, or statements expressed by users. Users undertake to use these areas according to the terms indicated in the relevant sections. By simply sending comments or participating in these spaces, users irrevocably authorize the company and its business group to publish the most outstanding comments in their printed editions, whether online, offline, or by any other means, or on their websites, without this implying that any moderation or review carried out constitutes a detailed examination. The company reserves the right to suspend or remove contributions or comments that violate current regulations or these terms. Users who submit images, photographs, comments, etc., guarantee that they own them and have the necessary authorizations—especially in the case of including data or images of third parties, particularly minors—so that the company can continue hosting them on the website free of charge, along with their reproduction, distribution, making available, and public communication. Users, guaranteeing ownership of rights, assume free and unlimited use by the company and its group. If illicit or similar practices are discovered, either directly or through notifications or requests from third parties, the company may remove infringing content or take any other necessary measures to prevent its continuation. The same measures may apply if content is detected that, due to characteristics such as size or format, hinders website operation, as well as propaganda content or links, spam, repeated comments, or nonsensical or inappropriate messages. Without prejudice to the foregoing, users acknowledge that the company may communicate such facts to administrative or judicial authorities without prior notice to the user if these could constitute illegal activity. If the company decides to temporarily or permanently suspend a user's participation in enabled participation areas, it will notify the user by sending an email to the provided address, if available. The company reserves the right to discontinue any participation area service at any time by notifying on the service access screen with at least fifteen (15) days’ notice. The intellectual property rights of the website, including its source code, design, navigation structures, and contained elements, are the exclusive property of the company, which holds all exploitation rights, including reproduction, distribution, public communication, and transformation in accordance with applicable Spanish and European Union law. The website is composed of information related to the company’s activities, prepared by the company or third parties, which allows users personal and non-commercial use of such information. All rights are reserved regarding the company’s contents, platform, affiliated companies, or third parties. Total or partial reproduction, distribution, making available, public communication, or use of the website contents by any means or modality without prior express written authorization is prohibited, especially for commercial purposes or direct or indirect profit, to which the company expressly opposes. The presentation of the website’s pages and insertion of images disseminated on the website on pages other than those of the company is forbidden regardless of technique used. Unauthorized use of these contents entails legally established liabilities. The company, in accordance with the LSSI, is not liable for infringements by users affecting third parties unless it has effective knowledge of said infringement. Users who upload content to the website do not grant any express or implicit license or authorization over intellectual or industrial property rights, except for the worldwide, non-exclusive, transferable license granted to the company to use, reproduce, distribute, publicly communicate, make derivative works, transform, display, and perform said content in connection with the website’s services, promotion, and operation, including sublicensing to third parties, for the maximum duration permitted by law. This license continues even if the user removes the content from the website. Linking websites may reproduce or include the website’s pages or frames, but the company’s authorization to link must be expressly granted in writing. To include the company’s trademarks, logos, slogans, or identifying elements on third-party websites requires prior written consent. The company does not authorize links from pages that promote hatred, contempt, or discrimination based on birth, race, sex, religion, nationality, opinion, or any other personal or social circumstance, or that contravene morality, public order, or social norms. The company assumes no responsibility for the operation, access, data, information, products, services, links, or contents of pages linking to the website. User personal data protection and cookies policies, as well as website use conditions, are regulated by the legal notice, conditions of use, cookie policy, and other documents attached to data collection forms on the website or other Internet portals. This information is updated as of June 3, 2025.

POLICY IDENTIFICATION The Identification Policy establishes the requirements and procedures to verify and confirm the identity of brokers, clients, services, or platforms. Its primary objective is to ensure security, protect privacy, and prevent fraudulent or improper use of personal information. Key Aspects of the Identification Policy: Information Collection: Specifies what personal data is collected during the identification process, such as name, address, telephone number, email, and other relevant details. Verification Methods: Describes the methods and procedures used to verify the identity of users, including requests for identification documents, email verification, sending verification codes, among others. Data Storage and Protection: Defines the security measures and data protection protocols to guarantee the confidentiality and integrity of personal information collected. Information Use: Specifies how the collected identification data will be used and whether it will be shared with third parties. It also outlines data retention policies and how users can access, modify, or delete their personal information. Legal Compliance: Ensures that the identification policy complies with applicable laws and regulations concerning data protection and privacy. Implementing an effective identification policy helps prevent fraud, protects user security, and ensures compliance with legal obligations related to online identity management. It is crucial that users are informed about how their personal information will be handled and how their privacy will be safeguarded. The veracity and authenticity of documentation are fundamental to us. We strive to ensure that the identification provided by our users is genuine and reliable. To achieve this, we have implemented rigorous verification processes that validate the authenticity of the documents submitted. Our identification policy requires recognized official documents, such as passports. These documents must be submitted in maximum resolution to ensure optimal quality and reduce the risk of falsification. Additionally, we employ advanced analysis and verification systems capable of detecting possible manipulations or alterations in the submitted documents. These systems utilize cutting-edge technology to examine security features such as watermarks, holograms, barcodes, and other protective elements, ensuring documents are authentic and not counterfeit. The security and protection of personal information are of utmost importance to us. Accordingly, we have implemented security measures to safeguard the identification data provided by our users, including secure data storage and strict compliance with applicable data protection laws and regulations. By maintaining high standards regarding document authenticity and image quality, we aim to ensure the reliability of our processes and uphold the integrity of our platform. Our commitment is to provide a safe and trustworthy environment where users can perform transactions and communications securely. If you have any additional questions about our identification policy or verification procedures, please do not hesitate to contact us. We will be pleased to provide any further information you may require. This information is updated as of June 3, 2025.

POLICY CAUTION: Response to Fake Email The BANK-TO-BANK CONSORTIUM, INTERNATIONAL ASSET OPERATIONS SLU (B12710067), and INTERNATIONAL PURCHASE OF ASSET SL (B44510014) recommend caution against responding to fraudulent emails and internet publications from individuals impersonating legitimate entities or communications from BANK-TO-BANK CONSORTIUM. Unauthorized persons, some falsely claiming to be employees of BANK-TO-BANK CONSORTIUM, use the name, information extracted directly from our official websites, logos, addresses, and names of our staff and administration without permission, in an attempt to defraud the public. These individuals send emails or letters proposing various schemes, such as offering loans, investment opportunities, or financial transactions, and/or demanding advance payments related to supposed transactions through BANK-TO-BANK CONSORTIUM, all under false identities. We are actively taking steps to stop this fraud. However, we ask you to remain vigilant and confirm the authenticity of any email or document claiming to be from BANK-TO-BANK CONSORTIUM. We never send emails from Gmail, Yahoo, Hotmail, Live.com, or other public email providers. All official emails use our domain: @bank-to-bank.es, and we do not use any derivatives. BANK-TO-BANK CONSORTIUM has never created any blacklist, and unless officially communicated by us, any such document is false and may constitute defamation punishable by law. We appreciate your reporting any suspicious actions to our email: bank-to-bank@bank-to-bank.es. Disclaimer: The BANK-TO-BANK CONSORTIUM corporate group is not responsible for any fraud of this type and cannot honor any commitments or promises made by impostors, false employees, or unauthorized persons. We urge you to verify that all communications are legitimate and to never send money to unknown parties. Tips to Avoid Fraudulent Communications: Be cautious of unsolicited requests for personal or financial information. Access official websites directly rather than clicking on links in emails. Verify the legitimacy of emails by contacting the supposed sender organization. Be suspicious of requests to transfer money. If you believe you have been a victim of internet fraud, report it to local law enforcement authorities. Please also notify us if fraud involves misuse of the BANK-TO-BANK CONSORTIUM name or logo, or false emails claiming association with BANK-TO-BANK CONSORTIUM or its employees. For questions or to report suspicious communications, contact us at bank-to-bank@bank-to-bank.es or call directly at +34 699 344 126. This information is updated as of June 3, 2025.

POLICY PRIVACY its departments, its processes and security, governs the use and data (text, audio and image) of internal communication devices, mobile software applications, warning note, this is information confidential, departments, companies and direct persons authorized by it, all content is confidential, private and business secret and related companies and does not authorize its dissemination or transfer to third parties, and without it has no legal value. the improper use of the same, will be pursued by the competent authorities and sanctioned in accordance with the provisions of the articles of international criminal procedure, the proper or improper use of these data and as responsible for acts constituting a serious crime of improper use of documents if he does not justify legitimate cause, his immediate arrest may be ordered, with a prison sentence. international telecommunications union, data networks and communication between open systems and security, European commission, security in communications. All rights reserved in relation to the company's content, support and, where applicable, the business of other companies in the group of which the company is a part or third parties. the total or partial reproduction, distribution, making available, public communication and exploitation, in whole or in part, of the contents of this website, in any form or modality, without prior, express and written authorization, including, in particular, its mere reproduction and/or taking advantage of, address or emails that claim to be from BANK-TO-BANK, If you have any additional questions about our identification policy or our verification processes, do not hesitate to contact us. We will be happy to provide you with any additional information you may need. THIS INFORMATION IS UPDATED AS OF SEPTEMBER 22, 2023

COPYRIGHT NOTICE, The content of this website is protected by copyright. All texts, images, graphics, videos and other materials present on this site are the intellectual property of the creators of this website or the respective copyright owners from whom we have obtained the necessary permissions. Unauthorized copying, reproduction, distribution, modification or use of any part of the content of this website is strictly prohibited without our prior written permission or the respective copyright owners. Any unauthorized use of the content of this website may violate copyright laws and may be subject to legal action. We reserve the right to take legal action to protect our copyrights and enforce intellectual property rights. If you are interested in using or quoting any of the content on this website, please contact us to request permission and discuss appropriate terms of use. In many countries, copyright infringement is considered a legal offense, and violating or intentionally violating copyright laws can have serious consequences for both individuals and businesses. Having certain copyrights and exceptions in specific circumstances, you are generally expected to comply with copyright laws and respect the intellectual property rights of others. We appreciate your understanding and respect for copyright laws. Respecting website copyrights is a sign of education and professionalism. By doing so, you demonstrate an ethical commitment to content creators and recognize the value of their work. When using content from other websites, such as text, images, videos or other materials, it is important to obtain the necessary permissions or follow the guidelines set by the copyright owners. This means respecting usage licenses, properly attributing authorship, and avoiding unauthorized reproduction. By respecting copyright, you help maintain a fair and equitable online environment. Additionally, you demonstrate professionalism by recognizing and valuing the work of others, which can foster collaboration and mutual respect in the digital world. Please note that more and more people and organizations are taking steps to protect their copyrights online. Therefore, it is essential to stay informed about copyright laws and follow ethical practices when using website content. In short, respecting website copyright is an indication of good manners and professionalism in the digital sphere and helps maintain a fair and respectful online environment. If you have any questions related to the content of this website, please do not hesitate to contact us. THIS INFORMATION IS UPDATED AS OF SEPTEMBER 22, 2023

OUR WEBSITE IS PROTECTED by a secure HTTPS connection. The HTTPS (HYPERTEXT TRANSFER PROTOCOL SECURE) protocol is used to ensure the security and privacy of information transmitted between the user's browser and our Web server. The security provided by HTTPS is based on the use of encryption, which means that all data exchanged between the browser and the server is ENCRYPTED. This ensures that any sensitive information such as passwords, login details, forms or personal data is kept confidential and cannot be intercepted by malicious third parties. Additionally, using HTTPS also helps verify the identity of the website since a digital certificate is issued by a trusted certificate authority. When accessing the site, you can check the presence of the padlock or secure connection indicator in the browser's address bar, which indicates that you are browsing in a secure environment. When accessing our website, you will be able to verify the presence of the padlock or the “Secure Connection” indicator in the browser's address bar. This indicates that the connection is established via HTTPS and that the communication is protected. In addition to encryption, HTTPS also helps verify the identity of the website. A digital certificate is issued by a trusted certification authority, ensuring that you are interacting with our legitimate website and not a fake one. We maintain an ongoing commitment to the security of our users and strive to ensure that all interactions on our website are secure and private. If you have any additional questions about the security of our website or would like more information, please do not hesitate to contact us through the channels provided. Your trust and privacy are of utmost importance to us. Ultimately, online security is a shared responsibility between users and website owners . As users, we should exercise caution and take steps to protect our privacy and security, such as checking the trustworthiness of websites before sharing personal information or conducting transactions. If you have concerns about the trustworthiness of a particular website, it is advisable to seek additional information, use online security tools, and, if necessary, consult computer security experts. If you have any additional questions about our identification policy or verification processes, please do not hesitate to contact us. We will be happy to provide you with any additional information you may need. THIS INFORMATION IS UPDATED AS OF SEPTEMBER 22, 2023

VIRUS-FREE WEBSITE POLICY If you visit this link https://www.virustotal.com/gui/home/url you can verify for yourself that our website and any document that is on our website is clean of any threat, Policy Virus-Free Website, In our commitment to providing a secure and VIRUS-FREE WEBSITE, we have implemented several measures and policies to guarantee the protection of our users. Below you will find information on how we maintain a virus-free website: Antivirus protection: We use reliable and up-to-date antivirus software to scan and protect our website from potential threats. Periodic scans are performed to detect and remove any MALWARE or VIRUSES that may be present. Security Updates and Patches: Our website is regularly updated with the latest security updates and patches. This includes keeping the operating systems, platforms and applications used on our website up to date to mitigate known vulnerabilities that could be exploited by viruses or MALWARE. File Verification: All files uploaded to our website, such as downloads or attachments, undergo careful review before being published. We employ virus scanning tools to ensure that files are free of any type of MALWARE. Suspicious behavior monitoring: We closely monitor website behavior and analyze any suspicious activity. This allows us to detect any infection attempts or malicious activity and take immediate action to address them. Safe Links Policy: We ensure that the links provided on our website are safe and do not direct users to malicious or infected sites. However, it is important to note that we cannot guarantee the security of third-party websites that may be accessed through external links. Education and Awareness: We promote education and awareness about online security best practices among our team and users. We provide recommendations and tips to help users keep their devices safe and protected from viruses and MALWARE. Immediate Incident Response: Should a security incident or infection be detected on our website, we are committed to taking immediate action to resolve it and minimize any negative impact. We will also inform our users about the incident and the actions taken to resolve it. User Feedback: We value user feedback and encourage you to report any security issues you may encounter when using our website. This helps us continually improve our security measures and maintain a safe environment for everyone. We appreciate your trust and strive to provide a safe and virus-free online experience on our website. If you have any questions or concerns regarding security, please do not hesitate to contact us through the channels provided on our website. THIS INFORMATION IS UPDATED AS OF SEPTEMBER 22, 2023

WHAT ARE COOKIES? Cookies are small text files that are stored on your device (such as your computer, mobile phone or tablet) when you visit a website. These cookies contain information that is used to improve your browsing experience and provide additional functionality. Cookies can be temporary (session cookies) or persistent. Session cookies are automatically deleted when you close your browser, while persistent cookies remain on your device for a specified period of time, even after you close your browser. Cookies perform several important functions on a website. Some common examples include: Authentication: Cookies allow a website to recognize users and provide them with a personalized experience. For example, they can remember your login credentials so you don't have to enter them every time you visit the site. User Preferences: Cookies may store your preferences and settings, such as preferred language, location, or display preferences. This allows the website to adapt to your individual preferences. Analytics and Tracking: Cookies may collect information about how you interact with a website, such as the pages you visit most often, the time you spend on the site, and the links you click on. This information is used to analyze the performance of the site and improve its design and content. Personalized advertising: Cookies are also used to display advertisements that are relevant to you. These cookies track your browsing activities and allow advertisers to deliver ads tailored to your interests and preferences. It is important to note that cookies generally do not contain directly identifiable personal information, such as your name or address. However, they may be linked to personal information stored by the website or by third parties if you have provided such information. In many countries, regulations require websites to inform users about the use of cookies and obtain their consent before storing them on their devices. This is usually done through a pop-up notification or banner on the website requesting your acceptance of cookies. It is essential to read and understand a website's Cookie Policy and Privacy Policy to learn more about its use of cookies and how your privacy is protected. COOKIE POLICY, Thank you for visiting our website and showing interest in our Cookies Policy. On this website we want to provide transparency and security by informing you that we do not use cookies. Privacy and data protection We value your privacy and are committed to protecting your personal data. We do not collect any information about you through cookies on this website. Use of information Since we do not use cookies, we do not collect information about your browsing or online behavior. We do not track your activities on the website or share your data with third parties. Maintaining security Although we do not have cookies, we maintain high standards of security on our website to protect your personal information. We use technical and organizational measures to prevent any unauthorized access. Changes to our Cookie Policy If we decide to use cookies on our website at any time, we will update this Cookie Policy to inform you of the changes and provide you with clear information about their use and purpose. Your options Despite not having cookies, you can adjust your browser settings to block or delete cookies from other websites. However, please note that this may affect the functionality of other sites you visit. Contact If you have any questions or concerns about our Cookies Policy or any other aspect related to our website, do not hesitate to contact us through the means provided on our contact page. Protection of Minors We do not intentionally collect personal information from minors. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us and we will take reasonable steps to delete such information. Additional information If you would like more information about cookies, privacy and data protection, we recommend visiting trusted and authoritative resources that provide more complete details on these topics. Acknowledgment We appreciate your trust in visiting our website and your understanding that we do not use cookies. We are committed to providing you with a safe and transparent online experience. Privacy Policy We invite you to read our Privacy Policy for detailed information on how we handle your personal data and protect your privacy. Last updated This Cookies Policy was last updated on [2023]. Thank you again for visiting our website, and we hope you find the information you are looking for easily and satisfactorily. THIS INFORMATION IS UPDATED AS OF SEPTEMBER 22, 2023

POLICY NO RISK, It is true that all operations and businesses can involve risks. Risk is an inherent part of any business activity and can manifest itself in a variety of ways. Some common types of risks include: Financial risk: This type of risk refers to the possibility of financial losses due to market fluctuations, changes in interest rates, payment defaults, monetary volatility, and other economic factors. Operational risk: It relates to the risks that arise from internal processes within a company, including supply chain failures, quality problems, production interruptions, theft or fraud, among others. Legal and regulatory risk: Involves the risk of facing legal actions, sanctions or non-compliance with current laws and regulations. This may include lawsuits, breach of contract claims, intellectual property issues, and more. Security risk: Refers to the possibility of physical damage or loss due to external threats such as theft, fire, natural disasters, cyberattacks or other forms of intrusion. Reputational risk: This risk relates to potential damage to a company's image and reputation due to negative actions, scandals, mismanagement, defective products or ethical issues. It is important for companies to identify and evaluate the risks associated with their operations and take appropriate measures to mitigate them. This may involve implementing internal controls, obtaining insurance coverage, complying with regulations and laws, diversifying activities or adopting risk management strategies. While it is impossible to completely eliminate risks, effective risk management can help minimize their impact and increase the chances of success in business operations and efforts. It is true that we put all our effort into ensuring that our operations are risk-free. In our commitment to providing a safe and reliable environment, we dedicate time and resources to identify, evaluate and mitigate potential risks that may arise in our business activities. We implement rigorous controls and protocols at all stages of our operations to ensure compliance with quality and safety standards. This includes adopting best practices, complying with applicable regulations and laws, and providing ongoing training to our team to stay up to date on risks and how to address them. Additionally, we establish strategic partnerships with trusted, high-quality suppliers who share our values and are committed to security and integrity in all business transactions. Additionally, we conduct regular risk assessments to identify new threats and opportunities for improvement. This allows us to proactively implement preventive and corrective measures, minimizing potential negative impacts on our operations and customer satisfaction. However, it is important to note that, despite our best efforts, some risks may be unavoidable or unpredictable. In such cases, we are prepared to respond quickly and efficiently by implementing contingency and communication plans to mitigate any negative impact. Your trust is of the utmost importance to us and we are committed to doing everything possible to ensure our operations are safe, reliable and successful. We are available to address any additional concerns you may have and give you the peace of mind you need when doing business with us. THIS INFORMATION IS UPDATED AS OF SEPTEMBER 22, 2023

POLICY DOCUMENTARY SECURITY, SECURE VERIFICATION CODE - CSV 00000000000,composed of a set of digits that uniquely identify any of the electronic documents issued by us. This code is printed on each and every page of each document and allows comparison with the original electronic document, making it an authentic copy, so that any copy made on paper of the electronic originals from us will be considered an authentic copy if CSV code is included. The CSV allows us to verify the authenticity of any electronic document generated by us that is printed on paper and comparing it with the original electronic document, to guarantee the authenticity, integrity and unalterability of the documents, these incorporate advanced digital signature and time stamping, the blocks of the electronic signature process the content of a document so that any alteration of the signed content invalidates the incorporated electronic signature, the classified information of top secret, secret or confidential, will also evaluate the suitability of the people who can access classified information, this Classified information is secret, unless expressly agreed, its misuse, modification, alteration and concealment is condemned. Since it is expressly prohibited, four classification categories are established: top secret, secret, confidential and restricted. This legal notice establishes the conditions for the use and processing of data (text, audio, video and image) on internal communication mobile software application devices. The use of these applications is subject to our privacy policy, its departments and processes, as well as the protection of our security, the information contained in these applications is confidential and is restricted to directly authorized companies and individuals. in writing and by us, its disclosure or transfer to third parties is prohibited and without it having legal value, any improper use of this information will be pursued by the competent authorities and sanctioned, in accordance with the articles of international criminal procedure. the improper or inappropriate use of this data constitutes a crime, improper use of private documents and if a legitimate cause cannot be justified, the protection of information is governed by the international union of telecommunications, data networks and communications between open systems and security (ITU-T) INTERNATIONAL TELECOMMUNICATION UNION, the European Commission on Communications Security and the United Nations Organization, these entities establish standards and guidelines to ensure the security and privacy of online information and electronic communication. Disclosure of information classified as secret is a violation of laws and regulations that protect our security and the privacy of business information with SECURE VERIFICATION CODE - CSV 00000000000. THIS INFORMATION IS UPDATED AS OF SEPTEMBER 22, 2023