(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. It is your responsibility to review them periodically; your continued use of this website constitutes acceptance of all changes. In this document, the terms business group, BANK-TO-BANK CONSORTIUM and its affiliates refer to the corporate group. For contact information, 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. 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 communication constitutes a digital or electronic signature for the authentication of contracts or legal documents. The BANK-TO-BANK CONSORTIUM does 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, or 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. The consortium carefully selects clients and does not accept all applications. Due to FATCA (FOREIGN ACCOUNT TAX COMPLIANCE ACT) the consortium does 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. All transactions carry risks, and clients must consult independent legal experts before initiating, signing, or committing to any transaction. The company is not a mutual fund, bank, broker, financial company, financial advisor, nor licensed in any such capacity. The consortium is not responsible for the purchase, sale, program, or multiplication of any asset submitted by clients; execution is the clients responsibility. Assets that do not comply with the consortium procedures will not be accepted. All transactions contemplated by clients are strictly private and do not involve the sale of registered government securities. Transaction information is confidential and must not be shared with unauthorized parties. The BANK-TO-BANK CONSORTIUM has not publicly disclosed 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. 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 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 acts as 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. The consortium disclaims any liability for loss of opportunity, profits, or reputation, although it strives to facilitate agreements. By using this website, you confirm your understanding and acceptance of this disclaimer, supported by legal, economic, and advisory analysis provided to clients. Each case is studied independently to determine the best approach to successfully complete transactions. The websites operated by the BANK-TO-BANK CONSORTIUM group may include sections with 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 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. 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) The BANK-TO-BANK CONSORTIUM corporate group reserves the right to improve or correct the information, materials, and descriptions on this website, as well as to suspend or deny access to the website for planned or scheduled maintenance, updates, improvements, or corrections. Information and materials on the website may contain typographical errors or inaccuracies, and any dated information is published only as of its date. The BANK-TO-BANK CONSORTIUM group assumes no obligation or responsibility to update or modify such information. The website, located at www.bank-to-bank.es may discontinue or change any product or service described or offered at any time. Disclaimer Information, products, and services on this website are provided as is, whenever and wherever available. The BANK-TO-BANK CONSORTIUM corporate group does not guarantee the information or services provided, whether express or implied, for any particular purpose, and expressly disclaims any implied warranties, including, without limitation, warranties of title, non-infringement, merchantability, or fitness for a particular purpose. The group 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 when information is obtained or compiled from sources considered reliable, the BANK-TO-BANK CONSORTIUM group cannot guarantee the accuracy, validity, timeliness, or completeness of any information or data. Neither the corporate group, its affiliates, directors, officers, employees, nor any third-party providers will be liable for any loss or damage arising from failure or interruption of the website, any act or omission in its creation or maintenance, or your access, inability to access, or use of the website or materials. This limitation applies regardless of whether the cause was within the control of the BANK-TO-BANK CONSORTIUM group or its suppliers. In no event shall the group or any related party be liable for direct, special, indirect, consequential, incidental, or other damages of any kind, even if informed of the possibility thereof. This includes, but is not limited to, damages caused by viruses, mechanical or electronic failure, communication line issues, unauthorized access, theft, operator errors, strikes, or force majeure. Continuous, uninterrupted, or secure access to the website cannot be guaranteed. 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 intended for personal, non-commercial use only. You may print, copy, or download information or portions of the website for personal use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or use for commercial purposes any information, software, products, or services obtained from this website without prior written approval. Any copyright or notices contained in the materials may not be removed or obscured. The BANK-TO-BANK CONSORTIUM name, logo, and trademarks are registered trademarks or service marks of the company. Other company or product names mentioned may be trademarks or service marks of their respective owners. Use of any trademark requires written permission. THIRD PARTY LINKS This website may contain links to third-party websites provided solely for convenience. Inclusion of any link does not imply affiliation, sponsorship, endorsement, or approval by the BANK-TO-BANK CONSORTIUM group. The group assumes no responsibility for the content, accuracy, legality, or use of third-party websites. Their terms, conditions, and privacy policies may differ from those of 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, or to provide advisory or investment services. Information provided has not been tailored 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 website information, users should consult their business advisor, attorney, tax, and accounting professionals regarding price, suitability, value, and risk. Prices and other data on this website may not reflect actual market conditions at the time of purchase or sale. Some products or services may not be available in all jurisdictions or to all customers. CHOICE OF LAW These Terms of Use are governed by and interpreted under the laws of the State of Spain. Any disputes related to the website shall be submitted exclusively to the competent courts located in Spain. Both parties waive any right to a jury trial. 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 website and supersede all prior or contemporaneous communications, agreements, and understandings between BANK-TO-BANK CONSORTIUM and you regarding the subject matter described herein. BANK-TO-BANK CONSORTIUM as part of the corporate group of the consortium, and you acknowledge and agree that, unless expressly included in any other agreement between the 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 limited to contracts signed by us, sealed before a notary, and apostilled. We are not responsible for information or claims made by individuals who currently work, have worked, or do not work with us. We are not responsible for emails sent by us or by others, as they may involve identity theft, and we are not responsible for any amounts of money sent to anyone, as the consortium does not charge fees in advance. Our procedures are not contracts; they are guidelines that may change at any time, and only signed notarial contracts are binding. Users must remain vigilant regarding who they engage with and what commitments they make. Documentation may be rejected for reasons including poor quality, potential falsification, incomplete scans, incorrect or insufficient documents, or documents that do not meet requested specifications. Illegal proposals are not accepted in compliance with anti-money laundering laws. If you are not the intended recipient of any communication, or are not responsible for delivering it to the intended recipient, dissemination, copying, or use of the message and attachments is prohibited. All communications and attachments constitute private electronic communications under the Electronic Communications Privacy Act, 18 USCA 2510, and unlawful interception, use, or disclosure is strictly prohibited under applicable laws. If you receive such communications in error, notify the sender immediately and delete the message. By reading this disclaimer, you acknowledge the communication is private, privileged, and confidential, and not a solicitation, and it is protected under relevant U.S. Securities Acts and the Electronic Communications Privacy Act. Commitments in the European Union are subject to compliance with Council Directive 91/308/EEC on preventing the use of the financial system for money laundering, as amended by Directive 2001/97/EC and the third money laundering directive (Council Directive 2005/60/EC). They are also subject to the forty recommendations of the Financial Action Task Force, United Nations conventions against money laundering and terrorist financing, and Basel Committee guidelines on international settlement and customer due diligence. This website is located at https://bank-to-bank.es and is operated by INTERNATIONAL ASSET OPERATIONS SLU (B12710067) and INTERNATIONAL PURCHASE OF ASSET SL (B44510014). Further information can be obtained by contacting bank-to-bank@bank-to-bank.es  These Terms of Use regulate access to and use of the information society services provided through the website on any device, and they establish the relationship between users and the website. Your access to or use of the website constitutes acceptance of these conditions, the legal notice, cookie policy, and any other notices, instructions, or particular conditions brought to your attention. Users must carefully read these terms, and they may save or print them for reference. Before using website services or registering, users expressly assume that they are capable of discernment, have accessed the website voluntarily, and select services at their own risk, expressly accepting these Terms of Use, legal notice, cookie policy, and other applicable instructions or conditions. These conditions complement other particular conditions governing specific services unless they conflict. Users should be aware that communications over open networks are exposed to security threats. While the company implements all appropriate security measures, users are responsible for adopting technical measures, including detection systems against malicious software such as viruses, trojans, and similar threats.

(TERMS OF USE - PART-4) As a user, having updated the corresponding security patches in your browser, you are solely and exclusively responsible for your use of the website and its services, and by using them, you voluntarily accept this responsibility. Regarding minors, except as indicated in previous paragraphs, the company cannot control the use of the website and its services by minors. Parents and guardians are solely responsible for supervising and assisting minors while browsing the website and for implementing any necessary mechanisms to prevent minors from accessing the website and its services when appropriate. No claims will be admitted in this regard. If any service on the website requires access codes or usernames, users must choose and provide their own access codes, usernames, passwords, or similar credentials, and may not select words, expressions, or graphic sets that are profane, insulting, coincide with trademarks, trade names, company names, advertising expressions, names or pseudonyms of public figures without authorization, or are contrary to law, morality, or generally accepted good customs. Username assignment occurs automatically upon user choice, and if requested passwords are reserved, new passwords must be entered. Users undertake to use their access credentials diligently, not to share them with third parties, and to notify the company of any loss, theft, or possible third-party access. Users are solely responsible for their service access ID and the consequences arising from misuse, loss, or forgetting of their access credentials. Website services are generally free, without requiring payment from the user, except for connection costs through the telecommunications network contracted with the access provider. Access to certain contents may not be free depending on user volume or content type, in which case you will be informed and, if applicable, subscription or registration will be required. Users may also access services offered by third parties through the website, which will have their own terms of use or contracting and may be 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), unless the company has proof that activity or information on or from the website is unlawful or harms the 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 agree to use the website services, channels, and contents in accordance with these terms, the law, morality, generally accepted good customs, and public order. Users also commit not to use the website for fraudulent or illicit purposes, 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. 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 from 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. Users also agree not to hinder other users access by massive resource consumption or carry out actions that damage or interrupt systems or services. 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. The company also reserves the right to decide at any time on the continuation of the services provided through the website. Users may participate in interactive areas, 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 contributions or opinions made by users are their own responsibility, and the dissemination of these contributions does not imply that the company endorses or shares the ideas, opinions, or statements expressed. Users agree to use participation areas according to the terms indicated in the relevant sections. By submitting comments or participating in these spaces, users irrevocably authorize the company and its business group to publish the most notable comments in printed editions, online or offline, or by any other means, including the companys websites. This authorization does not imply that any moderation or review 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, or other content guarantee ownership of such materials and confirm that they have the necessary authorizations, especially regarding data or images of third parties, particularly minors, to allow the company to host them on the website free of charge, including reproduction, distribution, public communication, and making them available. By guaranteeing ownership of rights, users grant the company and its group free and unlimited use of submitted content. If illicit or infringing practices are discovered, either directly or through notifications from third parties, the company may remove infringing content or take other measures to prevent its continuation. The same measures may apply if content is detected that hinders website operation due to size, format, or other characteristics, or if it constitutes propaganda, spam, repeated comments, or inappropriate messages. Users acknowledge that the company may report such issues to administrative or judicial authorities without prior notice if they may constitute illegal activity. If the company temporarily or permanently suspends a users participation in enabled areas, it will notify the user via email if available. The company reserves the right to discontinue any participation area service at any time, providing at least fifteen days notice on the service access screen. The intellectual property rights of the website, including 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 contains information related to the companys activities, prepared by the company or third parties, for personal and non-commercial use by users. All rights are reserved regarding the companys content, platform, affiliated companies, or third parties. Total or partial reproduction, distribution, making available, public communication, or use of website content without prior express written authorization is prohibited, especially for commercial purposes or profit, to which the company expressly objects. The presentation of website pages or the insertion of images disseminated on the website on pages outside the company is forbidden regardless of technique used. Unauthorized use of these contents entails legal liability. In accordance with the LSSI, the company is not liable for user infringements affecting third parties unless it has effective knowledge of the infringement. Users uploading content do not grant any express or implicit license 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 content in connection with the websites 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 websites pages or frames only with the companys express written authorization. Including the companys 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, discrimination, 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 December 31, 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. Information is collected during the identification process, including name, address, telephone number, email, and other relevant details. Verification methods include requests for official identification documents, email verification, sending verification codes, and other procedures designed to ensure authenticity. Data storage and protection measures are implemented to guarantee the confidentiality and integrity of personal information. The collected identification data is used solely for verification purposes and is protected under applicable data protection laws. Users are informed about how their personal information will be handled and may access, modify, or delete their data according to the established procedures. Compliance with legal regulations concerning data protection and privacy is strictly maintained. The veracity and authenticity of documentation are fundamental to us. We strive to ensure that all identification provided by our users is genuine and reliable. Rigorous verification processes are in place to validate the authenticity of submitted documents. Recognized official documents, such as passports, are required and must be submitted in maximum resolution to ensure optimal quality and reduce the risk of falsification. Advanced analysis and verification systems are employed to detect possible manipulations or alterations. These systems 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. Secure data storage and strict compliance with data protection laws are implemented to safeguard identification data. By maintaining high standards for document authenticity and image quality, we 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 December 31, 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 online 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 our name, information extracted directly from official websites, logos, addresses, and the names of our staff and administration without permission, in attempts to defraud the public. These individuals may 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, but we ask that you remain vigilant and verify 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 are sent from 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 of any suspicious actions to our email: bank-to-bank@bank-to-bank.es  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. Be cautious of unsolicited requests for personal or financial information, access official websites directly rather than clicking links in emails, verify the legitimacy of emails by contacting the supposed sender organization, and 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 and notify us if the 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 +34 625 20 87 69. This information is updated as of December 31, 2025

POLICY PRIVACY This privacy policy governs the use of data, including text, audio, and images, on internal communication devices and mobile software applications within our departments, processes, and security systems. The information contained herein is confidential and intended solely for authorized departments, companies, and individuals. All content is confidential, private, and considered a business secret. It is related to our company and associated companies and may not be disseminated, transferred, or shared with third parties. Any unauthorized use of this information has no legal value and will be prosecuted by the competent authorities in accordance with international criminal procedure regulations. Improper or unauthorized use of this data constitutes a serious crime, including improper use of documents. If no legitimate cause is justified, immediate legal action may be taken, including potential arrest and imprisonment. The security and privacy of communications are guided by standards established by the International Telecommunication Union, data networks, communication between open systems, and the European Commission on communications security. All rights are reserved regarding the companys content, support, and, where applicable, the business of other companies within our group or third parties. Total or partial reproduction, distribution, public communication, or any form of exploitation of the contents of this website, in whole or in part, without prior express written authorization, is strictly prohibited. This includes the reproduction or use of addresses or emails claiming to be from BANK-TO-BANK If you have any questions regarding our identification policies or verification processes, please do not hesitate to contact us. We are happy to provide any additional information you may need. This information is updated as of December 31, 2025

COPYRIGHT NOTICE, The content of this website is protected by copyright. All texts, images, graphics, videos, and other materials 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 consent of the respective copyright owners. Any unauthorized use of this content may violate copyright laws and be subject to legal action. We reserve the right to take legal measures 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 copyright laws can have serious consequences for both individuals and businesses. While certain copyrights may allow exceptions under 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, demonstrating an ethical commitment to content creators and recognition of 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 includes respecting usage licenses, properly attributing authorship, and avoiding unauthorized reproduction. By respecting copyright, you help maintain a fair and equitable online environment and demonstrate professionalism by recognizing and valuing the work of others, fostering collaboration and mutual respect in the digital world. Please note that more individuals 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. Respecting website copyright reflects 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 December 31, 2025

OUR WEBSITE IS PROTECTED Our website is protected by a secure HTTPS connection. The HTTPS (HYPERTEXT TRANSFER PROTOCOL SECURE) protocol ensures the security and privacy of information transmitted between the user's browser and our web server. The security provided by HTTPS relies on encryption, which means that all data exchanged between the browser and the server is encrypted. This ensures that sensitive information such as passwords, login details, form data, or personal information remains confidential and cannot be intercepted by malicious third parties. Using HTTPS also helps verify the identity of the website, as a digital certificate is issued by a trusted certificate authority. When accessing our site, you can check for the presence of the padlock or the Secure Connection indicator in your browsers address bar, which confirms that you are browsing in a secure environment. This digital certificate ensures that you are interacting with our legitimate website and not a fraudulent one. We are committed to the ongoing security of our users and strive to ensure that all interactions on our website are secure and private. Online security is a shared responsibility between users and website owners. Users should exercise caution and take steps to protect their privacy and security, such as verifying the trustworthiness of websites before sharing personal information or conducting transactions. If you have concerns about a particular websites trustworthiness, it is advisable to seek additional information, use online security tools, and consult computer security experts if necessary. If you have any questions about our security measures, identification policy, or verification processes, please do not hesitate to contact us. We are happy to provide any additional information you may need. This information is updated as of December 31, 2025

VIRUS-FREE WEBSITE POLICY If you visit https://www.virustotal.com/gui/home/url you can verify for yourself that our website and any documents available on it are free of threats. In our commitment to providing a secure and virus-free website, we have implemented several measures and policies to ensure the protection of our users. 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. Our website is regularly updated with the latest security updates and patches, including 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. All files uploaded to our website, such as downloads or attachments, undergo careful review before being published, and we employ virus scanning tools to ensure that files are free of any type of malware. We closely monitor website behavior and analyze any suspicious activity to detect infection attempts or malicious activity and take immediate action to address them. We ensure that the links provided on our website are safe and do not direct users to malicious or infected sites; however, we cannot guarantee the security of third-party websites that may be accessed through external links. We promote education and awareness about online security best practices among our team and users, providing recommendations and tips to help users keep their devices safe and protected from viruses and malware. 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, and we will inform our users about the incident and the actions taken to resolve it. We value user feedback and encourage you to report any security issues you may encounter when using our website, as 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 December 31, 2025

WHAT ARE COOKIES? Cookies are small text files stored on your device, such as your computer, mobile phone, or tablet, when you visit a website. These cookies contain information used to enhance 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, even after closing your browser. Cookies serve several important functions on a website. Examples include authentication, which allows a website to recognize users and provide a personalized experience, such as remembering your login credentials; user preferences, which store your settings such as preferred language, location, or display preferences; analytics and tracking, which collect information about how you interact with the website, helping improve its design and content; and personalized advertising, which displays relevant ads based on your browsing behavior. 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 third parties if you have provided such information. In many countries, regulations require websites to inform users about cookie usage and obtain consent before storing them on devices. Cookie Policy Thank you for visiting our website and your interest in our Cookies Policy. We aim to provide transparency and security by informing you that we do not use cookies. We value your privacy and are committed to protecting your personal data. Since we do not use cookies, we do not collect any information about your browsing or online behavior. As we do not use cookies, we do not track your activities on our website or share your data with third parties. Although we do not have cookies, we maintain high standards of security on our website to protect any personal information. Technical and organizational measures are in place to prevent unauthorized access. If we decide to use cookies in the future, we will update this Cookie Policy to provide clear information on their use and purpose. Even though we do not use cookies, you can adjust your browser settings to block or delete cookies from other websites. Please note that this may affect the functionality of other sites you visit. If you have questions or concerns regarding our Cookies Policy or any aspect of our website, please contact us through the channels on our contact page. We do not intentionally collect personal information from minors. If you are a parent or guardian and believe that your child has provided personal information, please contact us so that we can take reasonable steps to delete such information. For more information about cookies, privacy, and data protection, we recommend consulting trusted and authoritative sources on these topics. We appreciate your trust in visiting our website and your understanding that we do not use cookies. We are committed to providing a safe and transparent online experience. Please read our Privacy Policy for detailed information on how we handle personal data and protect your privacy. This Cookies Policy was last updated on December 31, 2025.

POLICY NO RISK, It is acknowledged that all operations and business activities can involve risks. Risk is an inherent part of any business endeavor and can manifest in various forms. Common types of risks include financial risk, which is the possibility of financial losses due to market fluctuations, changes in interest rates, payment defaults, monetary volatility, and other economic factors; operational risk, arising from internal processes such as supply chain failures, quality issues, production interruptions, theft, or fraud; legal and regulatory risk, which involves exposure to legal actions, sanctions, or non-compliance with applicable laws and regulations, including lawsuits, breach of contract claims, and intellectual property issues; security risk, the potential for physical damage or loss due to external threats such as theft, fire, natural disasters, cyberattacks, or other intrusions; and reputational risk, which relates to potential harm to a company's image and reputation due to negative actions, scandals, mismanagement, defective products, or ethical concerns. It is essential for companies to identify and assess risks associated with their operations and implement measures to mitigate them. This may include internal controls, insurance coverage, regulatory compliance, diversification of activities, and risk management strategies. While it is impossible to completely eliminate risks, effective risk management minimizes their impact and enhances the likelihood of success in business operations. We dedicate all our efforts to ensuring that our operations are as risk-free as possible. To provide a safe and reliable environment, we invest time and resources to identify, assess, and mitigate potential risks in our business activities. Rigorous controls and protocols are implemented at all operational stages to ensure compliance with quality and safety standards. This includes adopting industry best practices, complying with applicable laws and regulations, and providing ongoing training to our team on risk awareness and mitigation strategies. We also establish strategic partnerships with trusted, high-quality suppliers who share our values and commitment to security and integrity in all business transactions. Regular risk assessments are conducted to identify new threats and opportunities for improvement, enabling proactive preventive and corrective measures to minimize potential negative impacts on operations and customer satisfaction. However, it is important to note that some risks may remain unavoidable or unpredictable. In such cases, we are prepared to respond quickly and efficiently by implementing contingency and communication plans to mitigate any adverse effects. Your trust is of utmost importance to us. We are committed to ensuring that our operations remain safe, reliable, and successful, and we are available to address any additional concerns, providing peace of mind when doing business with us. Information updated as of December 31, 2025

POLICY DOCUMENTARY SECURITY, SECURE VERIFICATION CODE - CSV 00000000000, The Secure Verification Code (CSV 00000000000) is composed of a unique set of digits that identifies any electronic document issued by us. This code is printed on every page of each document, allowing verification against the original electronic version. Any paper copy of an electronic document issued by us that includes the CSV is considered an authentic copy. The CSV enables verification of the authenticity, integrity, and unalterability of any electronic document generated by us. All documents incorporate advanced digital signatures and time-stamping, where the signature blocks process the document content so that any alteration invalidates the electronic signature. Classified information is categorized as Top Secret, Secret, Confidential, or Restricted, and access is strictly controlled. Only individuals expressly authorized by us are permitted to access classified information. Misuse, modification, alteration, or concealment of classified information is strictly prohibited. This legal notice establishes the conditions for the use and processing of data (text, audio, video, and images) on our internal communication and mobile software applications. Use of these applications is subject to our privacy policy, departmental procedures, and security protocols. Information contained in these applications is confidential and restricted to authorized companies and individuals. Disclosure or transfer to third parties without written authorization from us is prohibited and has no legal validity. Any improper use of this information will be prosecuted by competent authorities in accordance with international criminal law. Unauthorized use of private data constitutes a crime. The protection of information is governed by the International Telecommunication Union (ITU-T), the European Commission on Communications Security, and the United Nations Organization, which set standards and guidelines to ensure the security and privacy of online information and electronic communications. Disclosure of information classified as secret violates laws and regulations protecting our security and the privacy of business information. Secure Verification Code  CSV 00000000000 Information updated as of December 31, 2025

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 - DECEMBER 31, 2025

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