In order to comply scrupulously with Law 5/2019 of 15 March, AGENCY MEDITERRANEAN INTERMEDIATION AND ADVISORY S.L. (hereinafter MEDITERRANEAN AGENCY), has approved by resolution of the Extraordinary General Meeting of the Company held at the registered office of the same in Valencia on July 15, 2.019, the policy to be followed with regard to initial and continuing training that must have all employees and / or managers who report or market real estate loans directly to the borrower or potential borrower.

• Any employee or manager of AGENCIA MEDITERRÁNEA, whose duties or responsibilities include informing or marketing real estate loans directly to the borrower or potential borrower, must prove that he or she has knowledge and competence in the matters provided for in Article 32 bis of Order ECE/482/2019 of 26 April, except letter m), by passing training modules with a minimum of 50 hours, which may be face-to-face or distance. This accreditation must be carried out by certifying bodies or companies recognised by the Bank of Spain.

In the event that any employee or manager who until the entry into force of Law 5/2019, had been performing functions of information or marketing of real estate loans directly with borrowers or potential borrowers, having a minimum experience in the development of this activity of 5 years, and could not accredit the knowledge and competence mentioned in the preceding paragraph, must be supervised by a manager who has the accreditation. The administrative body of the company will designate the appropriate supervisor. This supervision will, in any case, be temporary until the employee or manager obtains the accreditation, and for it it will have a non-renewable deadline until June 16, 2020.

Employees and managers who are informing or marketing real estate loans directly with borrowers or potential borrowers under supervision, or those who are going to perform the above functions once the training and accreditation of the same, will have the possibility, free of charge, to conduct training courses and accreditation tests in the entity or training company or university with which AGENCIA MEDITERRÁNEA maintains collaboration agreement.

• All employees and managers who, once accredited, perform information or marketing functions for real estate loans directly with borrowers or potential borrowers, will be obliged to receive annual continuing education modules of a minimum duration of 10 hours. The aforementioned training, which may be in person or by distance learning, may be given by a designated representative of AGENCIA MEDITERRÁNEA, or by means of an agreement with a training entity or company or university. The dates thereof will be made known to each of the employees and managers obliged to receive it, sufficiently in advance.
  
  
• This training plan shall be reviewed every two years.