WE WERE WAITING FOR YOU.

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1 WE WERE WAITING FOR YOU.

2 DELIGHTED TO MEET YOU. Bankia is a nationwide bank based on multi-channel management with high market shares. It is a solvent, efficient and profitable bank. At Bankia we want our relationships to get off on the right note, offering our customers the best advantages so that, once they get to know us, they don t want to leave. We want you with us, we want you to be happy and we want you to stay with us. Now that we ve introduced ourselves, allow us to explain some of the advantages of being a Bankia customer.

3 WHY WITH US? Welcome pack We give you the welcome you deserve. If you re a new customer, when you open your account, arrange your first card and the multi-access service free of charge, you won t be charged any maintenance, administration or transfer fees for the first six months (1). Welcome gifts What s more, if you make an additional deposit, you can choose between: A set of practical headphones, for those of you up to the age of 30 with a balance of 300 and registered with joven.bankia.es (2). Or a fantastic set of 6 wine glasses and a decanter, for those of you over the age of 18 with a minimum balance of 2,000 (3). (1) Promotion valid for individuals who are new customers, opening a current account, arranging a basic debit card and the multi-access service consisting in no maintenance or administration fees on the new current account, domestic and EU transfers issued in Euros up to 3,000 by channels for the first 6 months and free registration for the first basic debit card arranged. 0% APR for new customers with an average monthly balance of over 2,000 Euros after the first six months. (2) Customers up to the age of 30 who meet the above condition, with a balance of at least 300 during the first 30 days following the opening of the account and registering with joven.bankia.es will receive a set of headphones (30,000 available). Terms and conditions deposited before a notary public and available in Bankia branches and at bankia.es (3) Promotion valid for individuals who are new customers of legal age, opening a current account with a balance of 2,000 and arranging a card and the multi-access service, until the end of stocks (30,000 available). Terms and conditions deposited before a notary public and available in Bankia branches and at bankia.es. Promotional items subject to taxation according to current tax regulations.

4 IT S NOT THE SAME WITHOUT YOU. IT S NOT THE SAME WITHOUT YOU. Advantages You make Bankia possible. Our customers are our most important asset and we have the NO Fees Programme ( * ) just to make sure you know how important you are to us. Join millions of customers and forget fees. For everyone Young customers. Below the age of 18. Between the ages of 18 and 25, with internet correspondence (paperless). Shareholder customers with at least 1,000 Bankia shares deposited at the bank. Customers with a balance in savings products equal to or over 75,000 at the end of the month. NO Fees Balance in savings products equal to or over 30,000 at the end of the month. Active credit card with one monetary transaction a month or 12 a year. Direct debit mandate with the bank, exclusively for customers over the age of 65 with their pension paid by direct debit. No maintenance or administration fees on all your accounts ( * ). No fees on all basic debit cards. No fees on the depositing of national cheques into all your accounts. No fees on domestic and EU transfers up to 3,000 made through channels. Bankia NO Fees customers receiving a pension can make free bank transfers on all of their accounts from any branch. Customers with salaries or pensions paid into the account with at least one of the following products: Risk insurance taken out with an annual premium equal to or over 125. Individual pension plan with a balance over 3,000 or making contributions of 30 a month ( 360 a year). (*) Conditions of the NO Fees Programme available in Bankia branches and at bankia.es. 0% account APR.

5 EVERYTHING WE DO IS FOR YOU. Salary With the Salary Service (1) you can belong to the NO Fees Programme (2). You are also given access to different products under special conditions: Overdraft service (3) for the value of 70 % of your salary up to a maximum of 1,100. Free change of direct debit mandates to your account. Mobile phone alert sservice with no six-monthly maintenance fee (includes first 50 messages over six months, additional messages: 0.15 per message + VAT). Free accident insurance with cover up to 7,500 on death or total and permanent disability. Do More Loan: your loan at a preferential interest rate and a repayment term of up to 8 years. Subsidised Mortgage: get fantastic conditions on your mortgage loan. Discounts on home insurance. (1) If your salary is equal to or over 450. (2) Consult the NO Fees programme in Bankia branches and at bankia.es (3) For holders of the salary service who are up to date on payments, to process direct debit mandates, purchases made on debit and ATM debit withdrawals up to an overdraft limit of 200.

6 EVERYTHING WE DO IS FOR YOU. EVERYTHING WE DO IS FOR YOU. Pension With the Pension Service (1) you can belong to the NO Fees Programme (2). You are also given access to different products under special conditions: Overdraft service (3) for the value of 70 % of your pension up to a maximum of 800. Advance on the payment date of your pension to the 25 th of each month (state pensions, General Social Security Scheme). Free change of direct debit mandates to your account. Mobile phone alert service with no six-monthly maintenance fee (includes first 50 messages over six months, additional messages: 0.15 per message + VAT). Discounts on home insurance. Access to the Renfe Gold Card for customers over the age of 60, with discounts on train tickets and other free services of interest, such as Advanced Legal Protection with Legálitas. Your pension will also enable you to take part in promotions and form part of the YOU RE WORTH IT PLAN, a plan full of advantages, with a discount programme and much more... Cards Find the Bankia card that suits you best to enjoy its advantages at all times. Pre-paid: the ideal card for internet shopping. It only accepts purchases for the pre-charged amount and can be topped up as often as required. Individual Debit: the simplest way of having your money available 24h, any day of the week and anywhere in the world. It is free of charge if you belong to the Bankia NO Fees Programme. Individual Credit: the card for your everyday expenses. It allows you to withdraw cash or make purchases without having to pay for them until the 1st of the following month. Maintenance fees are free of charge if you have billed over 5,000 a year using the card; otherwise, you receive a 50% discount on the fee if you have billed 3,500. Flexible: the card with which you decide how much yo pay each month. You can change the amount as often as required. Maintenance fees are free of charge if you make at least one monetary transaction a year (purchase, transfer to account or ATM withdrawal). (1) If your pension is equal to or over 200. (2) Conditions of the NO Fees programme available in Bankia branches and at bankia.es (3) PFor holders of the pension service who are up to date on payments, to process direct debit mandates, purchases made on debit and ATM debit withdrawals up to an overdraft limit of 200. And new dreams with your Bankia cards You will get Dream Points (1) that can be exchanged for gifts, just for using them. Further information at bankia.es (1) See terms and conditions of the Bankia Dream Points programme at bankia.es, to consult associated cards and points ratio.

7 EVERYTHING WE DO IS FOR YOU. Multi-access service The Bankia Multi-access Service allows you to access the different Remote Banking services: Internet, Mobile and Telephone Office, using the same access code and making financial transactions using the same electronic signature, anywhere in the world, 24h a day. All you need is a Bankia debit or credit card associated to the service. From the Internet Office, you can consult your balance and the movements of your accounts, access all information on your products and make transfers, pay bills and arrange new products and services. And use your mobile devices to simply access the Mobile Office or download our app to perform many different transactions. In the Telephone Office, all Bankia services are a simple phone call away on or , we ll always be close at hand. The Internet Correspondence Service, is available so that all communications regarding your products can be sent virtually. Direct Debit Mandate service We take care of everything to ensure changing the direct debit mandate for your bills is as convenient and safe as possible and involves no extra costs.

8 BEING YOUNG HAS A LOT OF BENEFITS. If you re below the age of 26 you can make the most of the benefits of your age with our Youth Pack, which includes: The Youth Account: no administration or maintenance fees (1). The Youth Debit Card: with contactless technology, offers a 2% refund on mobile top-ups, accumulates Dream Points (2) and is free of charge. The multi-access system allows you to operate from digital platforms without any fees involved. With paperless internet correspondence you re a No Fees Customer (1). Discover other products designed for you, such as Bankia Wallet, the easiest way of paying through your mobile phone. If you want to save for the future, consider the Youth Deposit and, to make your dreams come true, ask for the Youth Loan. Discounts Up the age of 30, as a young Bankia customer, enjoy the best offers and discounts in hundreds of on-line stores and products. Enter DISCOUNTS at joven.bankia.es and find out about everything you we have prepared for you: discounts on trips, restaurants, technology, home, health A world full of benefits. (1) Conditions of the NO Fees Programme available in Bankia branches and at bankia.es. 0% account APR. (2) See terms and conditions of the Bankia Dream Points programme at bankia.es, to consult associated cards and points ratio.

9 HELLO EVERYONE. Whether you re a local or have come from afar, Bankia would like to welcome you and offer all of the specialist services, products and assistance you need. We don t want you to miss anything. You have a whole country to enjoy and an entire bank at your service. We send correspondence via your Internet Office, with all of the convenience and availability this entails. We re always available at the multi-language helpline, We answer your needs: accounts, NO Fees programme, investments, mortgage, insurance and other products and services to offer you personalised solutions.

10 WE HAVE A LOT MORE FOR YOU. Funds and Deposits With Bankia Funds you can direct your investments without losing sight of your objectives. We provide personal advice and offer the most important: transparency, so that you can choose from among the main classes of assets (secured, fixed income, variable income, absolute return and streamlined) and geographic areas of investment. What s more, find out about our wide range of deposits, selecting the period that interests you most. Pension Plans At Bankia, your peace of mind is our priority and we want to make sure this lasts for a long time. We therefore offer the pension plan that best suits you, in which you can arrange regular monthly contributions and make the most of all the tax benefits available. Insurance We have the full range of insurance (Life and Accident, Home, Car, Health and Death) that will protect you and your family for very little. Ask about the discounts and you re bound to be surprised.

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