SCRIPT OF

SALE
Housing loan:

Hello, good morning

Hello, good morning. How can I help you?

Please, it is to acquire a housing loan.

- Of course, let me explain the steps and what you need to acquire this housing loan.

ok, thank you very much

First, what I will explain is the description of our product:

With this line of credit, Bancoomeva allows you to acquire new, used, or for
build it on your own lot. Applies to all types of housing, including social interest housing.

Okay, and what do I achieve by acquiring this product?

Look at what you will achieve:

Obtain fixed or variable rates in UVR.

To have financing of up to 70% of the property's value.

Choose the term that best fits your payment capacity for up to 240 months.

Make extra payments to reduce the term or amount of the monthly installment.

Obtain Unemployment and Total, Temporary Disability Insurance with Banking

Insurance, which allows you to be calm in case of any eventuality.

Having the backing of a life insurance policy that covers 100% of

your debt balance.
It applies to salaried and independent workers.

The cost of life insurance will be assumed by the client and becomes effective in the event of
death.

Now I will explain some of the features that this product has.

The maximum funding amount is $500 million. If you are an associated client
Coomeva the amount is $850 million.

Credit modalities: UVR, housing in pesos (fixed rate), VIS housing.

In the case of Social Interest Housing - VIS, the credit may also be allocated to
improvement of said unit.

Life insurance is charged as an additional value to the fee. The rates for this
Concepts are published in Current Rates or in the offices.

El costo de la consulta de Centrales de Riesgo lo asume el aspirante al crédito y

It is published in Current Rates or at the offices.

Extra payments can be made to reduce the payment amount or the term.

You have the option to acquire unemployment insurance (Bank Insurance).

I am interested in this product, now I would like to know what requirements I need for myself.
acquisition of my product.

I will now show you and also explain what requirements our bank demands from you.
our clients.

Minimum requirements to access the product or service

To obtain the Housing Loan you must meet the following requirements:

1. Carry the value of the consultation in Risk Centers with you, the cost of
this is published inCurrent Ratesor in Offices.

2. Present the following documentation:

If he is an employee

Employment letter no older than 60 days specifying position, seniority,

remuneration or Certificate of Income and Withholdings from the previous year.

Photocopy of the last two payment slips, or failing that,

bank statements showing the deposit made by payroll of the
 in the last two months.

Copy of the citizenship or foreign identification card enlarged to 150% or

password of the citizenship ID, as long as this document
is certified by the National Registry.

If you state that you have other income, attach the supporting documents.
those values.

If it is independent

Photocopy of the previous year's tax declaration, when applicable, both

personal from the company signed and with cancellation seals on a
banking institution.

Photocopy of bank statements for the last three months, personal and/or of
the company.

Chamber of Commerce registration of the company issued previously

no more than 30 days, if applicable.

Balance sheet and income statement for the fiscal year-end of the previous year with
their respective grades, if applicable.

Recent signed balance sheet and income statement

by the legal representative and public accountant, if applicable.

If you declare having other income, please attach the supporting documents.
such values.

If he/she is retired

A photocopy of the citizenship or foreign identity card enlarged to 150% or

identity card password, as long as this document
is certified by the National Registry.

Photocopy of the last two payment slips or, failing that,

bank statements that demonstrate the payment made for the pension of
the last two months.

If you declare to have other income, attach the supporting documents.

those values.

What type of these three people are you?

I am an independent person.

- Ok, then he will explain to you in a deeper way what you need.

If it is independent

Photocopy of the tax return from the previous year, when applicable, both
staff as of the company signed and with cancellation stamps at an institution
banking.

Photocopy of bank statements for the last three months, personal and/or of the
company.

Chamber of Commerce registration of the company issued previously no

more than 30 days, if applicable.

Balance sheet and income statement for the fiscal year-end of the previous year with its
respective notes, if applicable.

Balance sheet and income statement with recent cut-off date signed by the
legal representative and public accountant, if applicable.

If you state that you have other income, attach the documents that support such.
values.

Important: For all cases, the loan applicant must not be reported in the
checklists that relate to people who have connections to money
originating from drug trafficking, money laundering, etc.

NOTE:

The NUIP is not an identity document.

The password is not a valid document to carry out the linkage process.

- Okay, thank you very much. Now I would like to know what terms this housing loan offers me.

The deadlines and terms are as follows:

Deadlines and terms

The repayment term must be between five years as

minimum and a maximum of 15 years.

The credit amount can be up to 70% of the property's value.

 the value will be that of the purchase price or that of a technical appraisal
practiced within the six months prior to the granting of the credit.
In the credits destined to finance social housing, the amount
the loan may be up to 80% of the value of the property.

The first installment of the credit cannot represent more than 30% of the
family income, which consists of the resources that
applicants for credit may be accredited, provided that there is between them
relationship of kinship or whether they are spouses or permanent partners.
In the case of relatives, they must be related up to the second degree of.
consanguinity, first of affinity and unique civil.

Once the obligation is present from a day of delay and not exceeding 60
days, the collection process of obligations will begin through
calls, letters, text messages and/or phone messages. If by day 61 it still has not
has updated the obligation, the recovery management will be transferred to
firms or external natural persons specialized in the activity of
persuasive collection in order to avoid initiating legal action.

In case of failing to pay the loan installments, the bank will be

obliged to make the negative report to the Risk Centers.

Now I will explain to you what you have to do if you wish to cancel or close in some way.
occasion your housing credit

Procedure for opening and cancellation

To obtain the Housing Loan you must:

Approach any office with your original identity document.

Carry with you the value of the consultation in Risk Centers.

Present the documents detailed in the section 'Minimum requirements'

to access the product or service.
Fill out the required onboarding forms that the bank demands. With this
information, the bank will conduct a study to determine whether the granting is approved
of the credit.

To completely cancel the credit, you must go to any office.

request an appointment to be attended by a Sales Advisor who will provide you with the
total amount to be paid for the credit, later the Sales Advisor will re
will direct you to the box to make the payment in cash, check, or with
charge to your checking or savings account, if you have them.

DO I HAVE ANY RIGHTS OR OBLIGATIONS THAT I MUST FULFILL

AS A PERSON TO ACQUIRE THIS PRODUCT

Of course, I will explain more precisely which ones they are:

Rights that the customer has:

Make extra payments to reduce the term or decrease the installment in any
moment and at no additional cost.

Cancel the credit in advance at any time and without

penalization.

Request certification of the credit status for commercial purposes.

To send a monthly statement or credit status to the address of

correspondence that is defined.

Decide the form and type of credit: Fixed rate, UVR, or if it's VIS to have your
benefits.

Obligations of the client:

Comply with the agreed payment plan to avoid interest charges.

delay, negative report in risk centers and legal processes arrived at the
case.

Use the credit exclusively for residential housing.

Insure the property against all risks.

- And finally, I would like to know if this bank offers me any

recommendation.

Yes, of course, this bank offers you the following recommendations.

Security recommendations

Be cautious when providing your personal data, remember that

Bancoomeva will never ask you for personal or financial information through
of emails.

Do not participate in prizes supposedly won by the use of our

products that offer calling certain lines. These are usually calls
suspicious. Contact the bank to verify the information.

Well, thank you very much, then I will take care of all the paperwork.
I need it and as soon as I have everything requested, I will come to acquire my
housing credit