Legal Notice

This company complies with all the provisions of Law 2/2009, of March 31, which regulates the contracting with consumers of loans or mortgage loans and brokerage services for the conclusion of mortgage loans or credit agreements of intermediation services for the conclusion of loan or credit agreements and with Royal Decree 106/2011, of January 28, which creates and regulates the State Registry of companies foreseen in the previous Law, 2/2009, of March 31.

The intermediary entity complies with art. 4 of Law 2/2009 of March 31, on the obligation of transparency in relation to contracts.

In his art. 5 of the aforementioned Law 2/2009 of March 31 - Obligations of transparency in relation to prices, establishes:

1. Companies will freely establish their commission rates, conditions and expenses applicable to consumers, without other limitations than those contained in this Law, in the Law of July 23, 1908 and in the Royal Decree Legislative 1/2007, of November 16, on the subject of abusive clauses.

In the fees for commissions or compensations and expenses, including the advisory activities, the assumptions will be indicated and, where appropriate, periodicity with which they will be applicable. The commissions or compensations and expenses charged on must respond to services actually provided or expenses incurred. In no case may fees or expenses be charged for services not accepted or requested in firm and expressly by the consumer.

2. Notwithstanding, what is established in the previous section:

a) Mortgage loans or credits shall apply the provisions of subject of compensation for early amortization by legislation

specific regulation of the mortgage market, unless it were loans or mortgage loans granted prior to December 9 2007 and the contract stipulates the depreciation commission scheme anticipated content in Law 2/1994, of March 30, on subrogation and

modification of mortgage loans, in which case, this will be applicable.

b) In loans or mortgages on housing, the commission of opening, which will accrue only once, will cover any costs of

study, granting or processing of the mortgage loan or other similarities inherent in the activity of the company caused by the concession of the loan or credit. In the case of loans or credits denominated in foreign currencies, the opening commission will also include any commission for change of currency corresponding to the initial disbursement of the loan or credit. The remaining commissions and expenses chargeable to the consumer, that the apply to these loans or credits, they must respond to the provision of a specific service other than the concession or the ordinary administration of the loan or credit.

3. Companies may not charge amounts greater than those derived from the tariffs, applying more burdensome conditions or passing on unforeseen expenses.

4. Companies are obliged to notify the Registry in which they are registered, prior to its application, the prices of the services, the tariffs of the commissions or compensations and reimbursable expenses that will apply, such as maximum, to the operations and services they provide, and the maximum interest rates of the products that they market, including, where appropriate, the interest rates delay.

5. The prices, fees and expenses applicable to the previous section are referred to will be collected in a booklet, which will be written clearly, concretely and easily understandable to consumers, avoiding the inclusion of concepts unnecessary or irrelevant. This brochure, which will be available to consumers in accordance with the provisions of the following article, will also be sent to the register in which they are registered and their content shall conform to the regulations that can be dictated by the autonomous communities in the exercise of their competences.

The entity has civil liability insurance, in the terms described in art. 7 of Law 2/2009, of March 31 and has been provided for in article 6 - of Royal Decree 106/2011, of January 28.