credit intermediary is a person, whether natural or legal, who participates in the credit granting of credit.

The credit intermediary is not authorized to grant credit, nor to intervene in the marketing of other banking products or services, such as, for example, time deposits or payment services.

A credit intermediary is a person, whether natural or legal, who participates in the credit granting of credit.

The credit intermediary is not authorized to grant credit, nor to intervene in the marketing of other banking products or services, such as, for example, time deposits or payment services.

Legal Information – Tied Credit Intermediary

Luís Miguel Barata Costa is a Tied Credit Intermediary, registered with the Bank of Portugal under registration number 0006270.

Identification

• Home Member State: Portugal

• Activity Category: Tied Credit Intermediary

• Services Provided: Credit simulations and mortgage financing proposals

• Credit Agreements: Residential mortgage loans and other credit agreements secured by a mortgage or another right over immovable property.

Partner Credit Institutions

The Credit Intermediary has binding agreements with the following credit institutions:

• ABANCA Portugal, S.A.

• NOVO BANCO, S.A.

• Caixa Geral de Depósitos, S.A.

• Banco BPI, S.A.

• Santander Totta, S.A.

• Bankinter, S.A. – Portuguese Branch

Exclusivity Arrangement: Non-exclusive.

Professional Address

Rua da Gafaria, Lote 11, Loja O
8600-545 Lagos, Faro
Portugal

Telephone: +351 962 269 356

Email: costa@costaproperties.pt

Professional Indemnity Insurance

In accordance with the applicable legislation, the Credit Intermediary is covered by professional indemnity insurance arranged through Ageas Portugal – Companhia de Seguros, S.A., under the following terms:

• Policy Application No.: 008410210512

• Policyholder: APEMIP – Portuguese Association of Real Estate Mediation Companies and Professionals

• Policyholder Tax Identification Number (NIF): 500911819

• Insured: Luís Miguel Barata Costa

• Company Registration Number (NIPC): 237713454

• APEMIP Membership No.: 5298

• Policy Commencement Date: 17 October 2026

• Policy Expiry Date: 16 October 2027

• Territorial Scope: Portugal

• Insured Activity: Mortgage Credit Intermediary

Insurance Cover

• Public Liability Insurance: €750,000.00

• Professional Indemnity Insurance: €750,000.00

• Maximum indemnity payable under the policy: €5,000,000.00

• Annual aggregate cover: €750,000.00

• Maximum cover per claim: €460,000.00 (per insured person)

Policy Excess (Deductible): 10% of the loss, subject to a minimum of €500.00 and a maximum of €1,500.00 per claim.

Legal Notice

Pursuant to Article 46 of Decree-Law No. 81-C/2017, credit intermediaries are prohibited from receiving or handling any funds or negotiable instruments relating to the establishment, performance, or early repayment of credit agreements.

The activity of credit intermediaries in Portugal is regulated, among others, by the following legislation:

• Bank of Portugal Notice No. 5/2024 of 4 December;

• Decree-Law No. 81-C/2017 of 7 July (Legal Framework for Credit Intermediaries);

• Decree-Law No. 298/92 of 31 December (Legal Framework of Credit Institutions and Financial Companies);

• Decree-Law No. 74-A/2017 of 23 June (Rules governing consumer credit secured by a mortgage or other rights over immovable property);

• Decree-Law No. 133/2009 of 2 June (Consumer Credit Agreements);

• Decree-Law No. 57/2008 of 26 March (Unfair Commercial Practices);

• Law No. 78/2001 of 24 November (Prevention of Unauthorised Financial Activities and Consumer Protection).