INFORMACIÓN SUJETA A CAMBIOS POR LA ENTIDAD/ INFORMATION SUBJECT TO VARIATION FROM THE PROVIDER

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1 INFORMACIÓN SUJETA A CAMBIOS POR LA ENTIDAD/ INFORMATION SUBJECT TO VARIATION FROM THE PROVIDER

2 Bankinter: Mortgages Euribor + 1,75% In Bankinter we are specialists in mortgages for non-residents. We can offer a quick reply, service in all main languages, and excellent conditions. Example: Purchase price: Loan: (70% max. finance, depending on Nationality) Term: 25 years Monthly payments:576 (variable interest rate 1,75%) Opening fee: 1%, early redemption fee: 0,5% Conditions given with house and life insurance through Bankinter (covering the loan amount) We can also offer excellent fixed rate options:20 years: 3%, 15 years: 2,60%, 10 years: 2,40% We need the following documentation: Passport Last tax declaration (tax computation, tax return or P60) + last 3 payslips If selfempoyed, company results Information about properties (value), and loans (outstanding amount and monthly payments) Bank-statements showing outstanding loans and monthly payments, or where available a credit report showing debts and monthly payments (for UK fx. for Sweden for Ireland for Germany Bank-statements showing savings, investments, pensions,... We can normally give an answer in 3-4 days from we receive the above-mentioned documentation, and we can attend you in all main languages. Rocío Lima, Manager Bankinter - Estepona rlimas@bankinter.com, Tel.:

3 OFERTA HIPOTECARIA COMPRADORES RESIDENTES EN ESPAÑA INVERSIONES ALCAIDESA SEAVIEW, S.L. PROMOCIÓN ALCAIDESA Hipoteca Bonificada Plazo: 20 años, Ampliable hasta un máximo de 30 años (1) Importe máximo: Vivienda habitual: 80% del menor valor entre valor tasación y compra-venta Vivienda NO habitual: 70% del menor valor entre valor tasación y compra-venta Tipo de Interés: 1er año 1,75% Resto años Bonificaciones: Sin bonificación Máxima bonificación Euribor + 2,50% Euribor + 1,60% Nómina Seguro hogar Seguro vida vinculado 0,40% 0,10% 0,40% Comisión de Subrogación: 0,25 % Comisión apertura sobre el Importe de Capital ampliado: 0,25 % (1) Comisión cancelación anticipada: Por Desistimiento 5 primeros años: 0,50% A partir 6ºaño: 0,25% (1) Novación Hipotecaria CUOTA APROXIMADA POR CADA , CON MÁXIMA BONIFICACIÓN: - PLAZO 20 AÑOS: 489,34 - PLAZO 25 AÑOS: 406,84 - PLAZO 30 AÑOS: 352,14

4 Hipoteca Fija (1) Plazo máximo: 30 años Importe máximo: Vivienda habitual: 80% del menor valor entre valor tasación y compra-venta Vivienda NO habitual: 70% del menor valor entre valor tasación y compra-venta Tipo de Interés: Hasta 30 años 2,90% Condiciones con vinculación cliente: domiciliación nómina, seguro hogar y seguro de vida vinculado. Sin esta vinculación el tipo se incrementará en un 1% Comisión subrogación: 0,25 % Comisión apertura sobre el Importe de Capital ampliado: 0,25 % (1) Comisión cancelación anticipada: Por Desistimiento: 5 primeros años: 0,50% A partir 6ºaño: 0,25% Por riesgo de tipo de interés: 0 % (1) Mediante Novación Hipotecaria CUOTA POR CADA , PLAZO 30 AÑOS: 416,23 Hipoteca Fija EXPANSIÓN (1) Préstamo hipotecario tipo fijo. Interés garantizado durante toda la vida de la hipoteca. Plazo máximo: 30 años Importe máximo: Exclusivo para Vivienda habitual: 80% del menor valor entre valor tasación y compraventa Tipo de Interés: Hasta 30 años 2,70% Condiciones con vinculación cliente: domiciliación nómina, seguro hogar y seguro de vida vinculado. Sin esta vinculación el tipo se incrementará en un 1% Comisión subrogación: 0,25 % Comisión apertura sobre el Importe de Capital ampliado: 0,25 % (1) Comisión cancelación anticipada: Por Desistimiento: 0 % Por riesgo de tipo de interés: 0 % (1) Mediante Novación Hipotecaria Cuota mensual inicial durante el primer año desde 321,22 euros por cada euros de hipoteca. Esta cuota se incrementará un 2% anualmente hasta el vencimiento para adaptarse a tu vida, con una cuota mensual final de 570,43 euros.

5 Hipoteca Fija PREMIUM (1) Ingresos > mensuales. Importe resultante de la suma de los ingresos de todos los titulares de la hipoteca. Plazo máximo: 30 años Importe máximo: Vivienda habitual: 80% del menor valor entre valor tasación y compra-venta Vivienda NO habitual: 70% del menor valor entre valor tasación y compra-venta Tipo de Interés: Hasta 30 años 2,60% Condiciones con vinculación cliente: domiciliación nómina, seguro hogar y seguro de vida vinculado. Sin esta vinculación el tipo se incrementará en un 1 % Comisión subrogación: 0,25 % Comisión apertura sobre el Importe de Capital ampliado: 0,25 % (1) Comisión cancelación anticipada: Por Desistimiento 5 primeros años: 0,50% A partir 6ºaño: 0,25% Por riesgo de tipo de interés: 0 % (1) Mediante Novación Hipotecaria CUOTA POR CADA , PLAZO 30 AÑOS: 400,34

6 Special Offer Buyers Promotion Fixed and Variable mortgage CajaSur offers you the best mortgages with both fixed and variable interest, designed to suit everyone's needs. Call for an appointment and ask the calculations for you. PIO BAROJA, 4 SAN LUIS DE SABINILLAS Manilva (MALAGA) maria.colas@int.cajasur.es Rate Mortgage VARIABLE From euribor + 1,75% NIR 1st year: from 2,75% Opening Commission: 0% Repayment period: up to 30 years Age + period up to 70 years Variable APR: 4,54%* Rate Mortgage From 2,80% Fixed quota for ever Opening Commission: 0% Repayment period: up to 30 years Age+ period up to 70 years APR: 5,42%** FIXED For further information, you can ask at your nearest office. This offer does not entail an obligation for CajaSur to grant you a loan. The information contained here in is for informational purposes only. The subsequent personalised offer may be different depending on changes in market conditions or as a result of information we obtain about your preferences and financial conditions. VARIABLE RATE MORTGAGE (*) Example calculated for a customer taking out a 100,000 loan (70% of the valuation amount) with a 30 year mortgage. Constant fee, French repayment system. Value of Euribor fixed by Spanish Official State Bulletin of March 2016: -0,012%, with annual review. If customer does not meet the required conditions (***), except obligatory home insurance, in this offer, the differential over Euribor will rise by 0.50%. Variable APR: 2,34% The Variable APR has been calculated under the assumption that the reference values do not change, and therefore this Variable APR will vary with changes in interest rates. FIXED RATE MORTGAGE (**) Example calculated for a customer aged 28 taking out a 100,000 loan (70% of the valuation amount) with a 20 year mortgage. Bonded Fixed Rate: 2.80%. If customer does not meet the required conditions (***), except obligatory home insurance, the Fixed Rate will rise by 0.50% APR: 3.84%. (***) In both mortgages, the offer is conditional on contracting and maintaining the following insurance policies: Health Insurance, annual Home Insurance with 61,287 capital and 24, content and Vehicle Insurance. It is also a condition to use CajaSur credit/debit cards for purchases, on which at least 3, per year must be spent. The initial expenses included to calculate the APRs in this example, to purchase a newly-built home in the Autonomous Community of Andalusia, amount to 2, Opening Commission:0%, home insurance premium with 61,287 capital and 24, content and an annual premium of , health insurance premium for a sole owner aged 28: 44.71/month, Car Insurance premium with Third Party + Fire coverage for a new, mid-range vehicle for a male aged 28 with a valid driving licence held for at least 10 years: 306, 71, Pricing: Registration fees: Agency fee: plus tax (AJD): 438, which the customer must pay on signing the contract. All insurance must be contracted with Kutxabank Seguros, through the banking and insurance operator CajaSur Banco, S.A.. Cajasur Home Insurance is an insurance policy of Kutxabank insurance. CajaSur Banco S.A.U. is the exclusive banking-insurance operator for Kutxabank Vida y Pensiones, is authorized by it to operate with Kutxabank insurance, and is registered in the Special Administrative Mediators Register under number C0654A CajaSur car insurance is a product of Liberty Seguros. CajaSur Banco S.A.U. is the exclusive banking-insurance operator for Kutxabank Vida y Pensiones, is authorized by it to operate with Kutxabank insurance, and is registered in the Special Administrative Mediators Register under number C0654A It administers this policy under the distribution agreement signed between the latter and Liberty Seguros. CajaSur health insurance policies are products of Sanitas, S.A. de Seguros. CajaSur Banco S.A.U. is the exclusive banking-insurance operator for Kutxabank Vida y Pensiones, is authorized by it to operate with Kutxabank insurance, and is registered in the Special Administrative Mediators Register under number C0654A It administers this policy under the distribution agreement signed between the latter and Sanitas S.A. insurance. Permission for the operation is subject to approval by CajaSur Banco S.A.U. Offer valid until

7 Avda. Juan Carlos I en Estepona (Málaga). Teléfono: Fax: @targobank.es ACTUAL CONDITIONS: Variable rate mortgage loan: (The current conditions may vary by market and price policy Targobank SA). Term up to 30 years. Interest rate from Euribor to one year + 1,75% to one-year Euribor + 1%, depending on the connection, and bonus you get for hiring products. Arrangement fee of 0,50% to 0,25%, depending on the link. Total prepayments or partial 0% Cancellation by subrogation 0,50%. Study expenses 0%. Fixed-rate mortgage: Term up to 10 years, interest rate of 3,30% to 2%, depending on customer loyalty. Term up to 15 years. Interest rate of 3,40% to 2,20%, depending on customer loyalty. Term up to 20 years. Interest rate of 3,60% to 2,50%, depending on customer loyalty. Term up to 30 years. Interest rate of 4,20% to 3,20%, depending on customer loyalty. Fee of 1% to 0,50%, depending on customer loyalty. Total prepayments or partial 0,50% to 0,25%, depending on customer loyalty. Study expenses 0%. Obviously any operation will be studied by us in this sense our usual funding is up 80% (residents and nonresidents) on purchase price in writing or appraised value, the smaller of the two and depending on the income holders. Our commitment to defense is a maximum of one week since we received all required documents to the customer. The conditions may vary by market and price policy Targobank SA. These conditions can not be delivered to customers because they contain the APR, and as we indicated the marketing department needs to be incorporated, but do not yet have available the same. BONUSES RECRUITMENT AND USE OF CARD CTO. LIFE INSURANCE RECRUITMENT ACCESS HIRING SAFE HOME HIRING PENSION PLAN PAYROLL DEBIT DEBIT RECEIPTS FOR EVERY 3 INSURANCE RECRUITMENT CAMPAIGN HIRING LOAN LIFE INSURANCE (Single premium financed) HIRING LIFE INSURANCE LIFE COMPLETE (renewable annual premium) RECRUITMENT AND USE OF DEBIT CARD -0,10% -0,05% -0,10% -0,10% -0,20% -0,10% -0,05% -0,20% -0,10% -0,10%

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