Arranque del motor

(WEIGHTED AVERAGE) PROFIT SHARING Amount Method of distribution

Individual contracts, with regular premium, with profit sharing:

- Endowment insurance

(Y044+Y047) (1) (2) 0.50% 3.13 (3)

Individual contracts, regular/single premium, without profit sharing:

- Endowment insurance

(Y058+Y059) (4) (5) 2.20%-3.50% (6) -- --

- Risk life assurance

(Y037) (7) (2) 2.00% -- --

Individual contracts, single premium, without profit sharing:

- Survival with premium

counterinsurance (Y069) (8) (9) 1.45%-5.00% (6) -- --

- Endowment insurance

(Y077+Y073) (10) (5) (11) -- --

Figures in million euros

(1) The guaranteed saving plan and the future plan are saving/ retirement products, with a sum insured upon termination of the contract if the insured person is still alive. if the insured person dies during the term of the contract, a benefit is paid. in addition to the revaluation at the technical rate, the mathematical provision will be increased with an additional interest rate that will be reported to the insured person at the start of each calendar half-year. in case of death of the insured person, the policy guarantees a capital in addition to the mathematical provision. (2) Table gK-80 is applied until 31st _{December 2008, gK95 until}

20th _{December 2012 and PAsem 2010 unisex from then on.}

(3) Distribution of the profit sharing is instrumentalized by increasing the mathematical provision.

(4) The insured retirement plan is a long-term insurance product in which the main guarantee is retirement. subject to the same tax treatment as pension schemes, implying the existence of transfer between the aforementioned instruments.

(5) Table gK-95 is applied until 20th _{December 2012 and PAsem}

2010 unisex from then on.

(6) The guaranteed rate of interest depends on the date that the premium enters into force.

(7) The Ascat multivida product is a risk life insurance policy, where the main guarantee is the insured party’s death, although

additional guarantees such as absolute permanent disability and others can be contracted.

(8) lifetime survivor annuities, with an insured capital assured in the case of death for the variable kind.

(9) Table gr-95 is applied until 20th _{December 2012 and gr-95}

unisex from then on.

(10) Yield savings is a single-premium savings insurance of a given duration in which the policyholder assumes the investment risk.

The premium paid is linked to units of account of the investment portfolio linked to each product. if the insured party dies during the life of the policy, an additional sum to the cumulative value of the fund is guaranteed.

(11) unit-linked life assurance.

technicAl conditions At bAnkinteR VidA

METhODS COVERAGE TABLES TECHNICAL _INTEREST

Individual contracts, single premium, without profit sharing. Insurance with counterinsurance

(4) gk95/

pAsem 2010

3.05% (5) Individual contracts, single premium, without

profit sharing. Combined insurance (1) gR95 4.10% (2)

Individual contracts, single premium, without

profit sharing. Combined insurance (3) gkm80/gk95 (7)

Individual contracts, single premium, without

profit sharing. Combined insurance (3) gk 95 / pAsem 2010

(7) Individual contracts, regular premium,

without profit sharing. Death insurance (6) gk80/gk95/ pAsem

2010

2.12%

(1) in case of life, a capital at maturity is guaranteed. in case of death, payment of the capitalised initial premium plus additional capital is guaranteed.

(2) During the validity period of the insurance, for periods with guaranteed return, a fixed technical interest rate for each policy/ period or a return indexed to the performance of certain indices or assets.

(3) in case of death, payment is guaranteed of mathematical reserve plus additional capital.

(4) in annuity insurance with counter-insurance, upon the insured person’s death, the capital to be received by the beneficiary will be the premium plus an additional percentage.

(5) For the entire life of the policy there are interest rate

commitments for three, five or ten year periods. upon expiry of the period, renewal is made with a minimum guaranteed interest rate. (6) risk life assurance, renewable annually or for a period, with fixed or variable capitals and capitals in the case of death and/or absolute permanent disability, accidental death and advance of capital in the case of serious illnesses.

technicAl conditions At ccm VidA y pensiones

METhODS COVERAGE TABLES TECHNICAL _INTEREST

PROFIT SHARING Amount _distributionMethod of

Regular premium contracts with profit sharing:

- Combined insurance

CE04 (1)

gRm/

F-95 2.00% 0.52 (2)

- Combined insurance PPA (3) gkm/

F-95/ pAsem 1.50% 0.95 (2) - Combined insurance AC02 (4) gkm/ F-80/ pAsem 1.75% 0.75 (2)

Collective contracts treated individually, single premium without profit sharing:

- Survival PVI1 (5) gRm/ F-95/ pAsem 3,92% -- -- - Endowment insurance UL04 (6) gkm/ F-95 (7) -- -- - Endowment insurance UL05 (6) gkm/ F-95 (7) -- -- - Endowment insurance

UL06 (6) pAsem men (7) -- --

- Endowment insurance LI01 (6) gkm/ F-95 men (7) -- -- - Survival RFE1 (8) gRm/ F-95/ peR2000 4.49% -- --

Figures in million euros

(1) medium-long term life-savings assurance, intended to set up a fund by regular contributions from the client plus a guaranteed fixed return and an additional variable return that is determined on a half-yearly basis (profit sharing). upon maturity, the fund may be redeemed as an annuity or in a lump sum. Annuities may be freely established as for life or temporary, but always taking into account the fact that they are “actuarial rents”, i.e. they are earned while the insured person is alive and are terminated upon the latter’s death. if the benefit upon expiry of the policy is by way of capital, the insured person receives 100% of the total cumulative balance. in addition, if the insured person dies before maturity, a minimum insurance amount exists of €600, with the possibility of taking a complementary death insurance that assures the capital guaranteed at maturity with the maximum limit of €60,000. (2) The distribution of profit sharing is instrumented as an extraordinary contribution, which is imputed at the start of each financial year.

(3) life-saving assurance whose benefits are received upon retirement, or when the other contingencies specified in applicable legislation occur, and with the same tax advantages as individual pension plans.

(4) medium-long term life-savings assurance, intended to set up a fund by regular contributions from the client plus a guaranteed fixed return and an additional variable return that is determined on a half-yearly basis (profit sharing”). upon maturity it is recovered as capital. it also includes insurance for the case of the insured

person’s death, amounting to 10% of the mathematical provision with a limit of €6,000, so that the beneficiary receives the full accumulated balance plus the amount of the insurance on the date of death.

(5) Constant life annuity, payable by periods in arrears while the insured party lives, whose value may vary after each interest rate review, in accordance with the periodicity established by the customer. in case of the insured person’s death, the beneficiaries under the policy will receive a capital equivalent to 102% of premiums paid, the rate of interest that it is set in terms of the assets in question.

(6) single premium saving-investment insurance in which the policyholder assumes the risk of the investment. if the insured person is alive on the maturity date, the beneficiaries of the policy will receive an amount that matches the result of multiplying the number of account units allocated to the policy times their net asset value on the maturity date of the insurance policy. if the insured person dies before the maturity date, the beneficiaries of the policy receive a capital consisting of the sum of:

− The result of multiplying the number of account units allocated to the policy times their net asset value on the date when the loss is reported.

− An additional capital amounting to 1% of the single premium. in any case, this additional capital will not exceed the established ceiling of €10,000.

Additionally, if the insured person dies as a consequence of an accident before maturity, the beneficiaries under the policy will receive an insured capital for 49% of the single premium. in any case, it will not exceed the established ceiling of €50,000. (7) unit-linked life assurance.

(8) Temporary and for life annuities corresponding to the defined contributions of the pension plan of the employees of Caja de Ahorros de Castilla la mancha.

technicAl conditions At mApFRe AmÉRicA

The mAPFre AmÉriCA group companies operate in their respective markets with both individual and collective contracts, with regular and/or single premiums, and with or without profit sharing. Contractual covers vary according to the conditions of the markets where they operate, including life and death insurance, combined insurance, for life annuities, death and burial, etc. in the Brazilian company VerA CruZ ViDA e PreViDenCiA, its technical interest rate reaches a maximum of 6%. The characteristics of the main types sold in 2012 and 2011 are listed below.

cONTrAcT Premium rate Profit sharing Type of Coverage Mortality tables

Vida en Grupo Monthly, two-monthly, quarterly, annual and

single Yes Death and total or partial permanent disability AT 83

Prestamista Monthly, two-monthly, quarterly and annual No Death, invalidity and loss of income AT 83 men

AP casas Bahía- Vida Protegida Annual, semiannual, quarterly and monthly No Death and hospital care AT 83 men

Vida Oro 2000 Monthly No Death and total or partial permanent disability AT 83

Vida Oro Grupo especial Monthly No Death and total or partial permanent disability AT 83

BB Seguro Vida Mujer Monthly No Death and total or partial permanent disability AT 83

Vida Oro Garantía Annual/divided into 8 periods No Death and total or partial permanent disability AT 83

BB Seguro de Crédito protegido Single No Death AT 83

BB Seguro de Crédito protegido Monthly No Death AT 83

The companies mAPFre CHile ViDA and mAPFre PerÚ ViDA sell for life annuity insurance at a technical interest rate that varies according to market conditions, although calculated with financial flow matching techniques that ensure the long term profitability of the operation.

At the company mAPFre ColomBiA ViDA, the distribution of profit sharing of some death and combined insurance policies is instrumented in deferred capital insurance policies with reimbursement of single premium reserves. The characteristics of the main types sold in 2012 and 2011 are listed below.

cONTrAcT Premium rate Profit sharing Type of Coverage Mortality tables Technical interest

Individual Single Yes Survival and death Colombian mortality table of male/female annuitants-

Colombian invalid mortality table

4.00%

3.4. Evolution of claims

The following table shows the evolution of claims for non life direct insurance from the year of occurrence until the closing of financial years 2012 and 2011; it also shows the detail per year of occurrence of the provision for claims under the said insurance at the closing of the mentioned financial years.

Financial year 2012

YEAR OF