RIALBOSAN S.A.P.

Familiar with the mortgage operations of these credit institutions, we have been providing services throughout the process of externalization of the operational procedures for managing mortgages; the production of reports, verifications of register information, specific advice on matters related to mortgages, registration and taxes, the formalization of all kinds of mortgage transactions, assistance with signing, monitoring and follow-up of mortgage burdens and the general processing of their mortgage loan files, facilitating co-ordination in the relations between the credit entity, the notary’s office and the property register, both in terms of the bank’s proxies and its clients and collaborators. It is worth noting that this management service agency handled 10,237 mortgage loan documents for a full range of bank offices during the 2006 financial year.

The documents produced by notaries public that are handled as part of our service:

Deeds of sale for any kind of property.

Deeds for the incorporation of mortgage loans.

Deeds of sale and mortgage subrogation between the developer and a private individual or between individuals.

Deeds recording the settlement of the debt and lifting of the mortgage.

Deeds for the mortgage subrogation of mortgages between banks.

Deeds for the novation of mortgage loans.

Deeds for the distribution of liability in connection with mortgage loans.

Grouping, division or segregation of property.

Other documents of any kind that financial institutions may ask us to handle.

Private documents: distribution of liability in connection with mortgage loans in private documents and others that we may be asked to handle.

We provide a comprehensive service covering the pre-signing, signing and post-signing stages for the handling of mortgage loans, as well as documents related with these, granted by the offices in the bank’s network, through the implementation of comprehensive formalization systems, adapting to the unique needs of each institution.

This is why we place great emphasis on the quality of services to both the Financial Institutions and their clients, with a strong sense of commercial and service management.

In the last few years, with the increasing specialization of banking operations arising from the strong demand for services in the mortgage developments of credit institutions and the processes for their externalization, RIALBOSAN, S.A.P. has been rendering its services to a multitude of bodies.

Aiming at the development of Mortgage and Registration Management Services, providing its professional services for advice and legal and administrative coverage, the company currently has a department specializing in the provision of global services to financial institutions, property developers and estate agents. Our experience and dedication to service and collaboration within the banking sector allows us to offer appropriate coverage in the processing of the documents for each institution and its branch offices, ensuring appropriate advice on each specific transaction, as well as the diligence and security that are absolutely essential in its processing.

Our goal is to release the sales force of the banking institutions from their clerical tasks by monitoring the process for the formalization of their mortgage operations, co-ordinating participants’ fulfilment of the requirements demanded by the bank, reducing direct and indirect expenses, improving customer service, shortening processing times, offering the institutions tangible benefits for their operating statement.

For the proper execution of its activities, the RIALBOSAN, S.A.P. organization currently counts on a human group comprising well-qualified professionals with demonstrated experience in consultancy and management services, offering a better service to the clients of financial institutions through our specialized knowledge of the setting, technological development and structural flexibility.