CONDUSEF

    Register of Collection Firms

    Crédito Real S.A.B de C.V., SOFOM, E.R., entrusts the out-of-court collection, negotiation and/or restructuring of loans granted by means of Adhesion Agreements, in compliance with the General Provisions applicable to financial entities as regards Collection Firms issued by the Condusef:

    National Commission for Protection and Defense of Financial Services Users (CONDUSEF)

    Contact data of CONDUSEF. CONDUSEF Telephone Customers Service Center 53-40-09-99 01-800-999-80-80 www.condusef.gob.mx
    Financial Education. www.condusef.gob.mx/Sitio_Ed_Fin/ | Financial Education on CréditoReal.com

    About Our Adhesion Agreements

    AVERAGE CAT [Total Annual Cost] 33.6% excluding VAT. For information purposes. Calculation date as of March 2020. Fixed Rate. Annual Rate. Weighted average interest rate per balance 27.5% excluding VAT, on unpaid balances. Consult terms, conditions, commissions and requirements for contracting in our Telephone Customers Service Center number at 55 53405261 or 800 5080148, or visit www.creditoreal.com.mx

    Rate: Fixed

    LVA Service: Automated vehicle location [LVA] service to be contracted by the customer with its provider, upon satisfaction of Crédito Real, or else, to be contracted through Crédito Real, an assumption implying a monthly cost of $320.00.

    General description of the product. Business line making loans to purchase new and semi-new automotive vehicles.

    Requirements for contracting, name of the monetary unit used and geographic coverage.

    Application for the loanOfficial identificationIncome slips, banking statements of account (last 3 months), payroll receipts (last 2 months), savings or investment accounts (last 3 months).Address proof (water, electric power, telephone, payment TV). Loan in Mexican pesos. Coverage at domestic level.
    “Failing to comply with your obligations may result in default commissions and interests”;

    “Contracting loans exceeding your payment capacity affects your credit history report”;

    “The surety, joint obligor or co-borrower shall be responsible as main obligor for the total payment to the Financial Institution”.

    Costs and Commissions for our products

    Commissions related to loans granted or acquired by Crédito Real S.A.B. de C.V., SOFOM, E.R.:

    PRODUCT OR BUSINESS NAME APPLICABLE COMMISSIONS ACTION DERIVING IN A COMMISSION PAYMENT AMOUNT OF THE COMMISSION FREQUENCY CAT
    Loan for Vehicles
    RECA: 14027-439-
    028471/01-06261-
    1117
    Opening Loan contracting 2.58% on the amount of the loan Sole  AVERAGE CAT 33.6% excluding VAT. For information purposes. Calculation date as of March 2020. Fixed Rate. Annual Rate. Weighted average interest rate per balance 27.5% excluding VAT, on unpaid balances. Consult terms, conditions, commissions and requirements for contracting in our Telephone Customer Service Center number 55 53405261 or 800 5080148, or visit www.creditoreal.com.mx. This is a product offered by Crédito Real, S.A.B. de C.V., SOFOM, E.R.
    Advance payments Payment of advance payments 5% on the payment amount upfront Per event
    Collection expenses Due to failure to make the payment on the established date 8% on the past due balance in the period Per event
    Comisión por apertura Otorgamiento del crédito 10% sobre el importe del crédito Por única vez

    All commissions are contemplated in Pesos, Mexican currency, and exclude the Value Added Tax. All operations related to products indicated above are made through the Contracting channel.

    Article 70 CUE

    RESPONSIBLE PERSONS ACCORDING TO ARTICLE 70 OF THE GENERAL PROVISIONS APPLICABLE TO SECURITIES ISSUERS AND OTHER PARTICIPANTS IN THE SECURITIES MARKET.

     

    Name Position Telephone Fax E-mail
    Luis Calixto López Lozano General Counsel 52-28-97-32 53-40-52-18 clopez@creditoreal.com.mx

    Ethical Principles of the Business

    Bylaws