Fusión Unicaja Banco - Liberbank

INFORMATION OF INTEREST

UNICAJA BANCO - LIBERBANK MERGER

The merger between Unicaja Banco and Liberbank has already taken place

If you were a Liberbank customer, we welcome you; and if you were already a Unicaja Banco customer, we thank you for being one of our 4.5 million customers.

This merger has turned us into the fifth largest bank in the Spanish financial system and the leading institution in six regional authorities. We have an extensive, diversified presence in 80% of Spain and are now better able to deal with the financial needs of individuals and companies.

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CUSTOMER KNOWLEDGE

At Unicaja Banco we maintain our territorial roots, proximity, trust and knowledge of our customers as our fundamental values. That is why we place the Customer Service Department at the very heart of our activity by placing a highly experienced team of professionals at your disposal to deal with the financial requirements of families, young people and the elderly, as well as those of small, medium-sized and large enterprises and the self-employed.

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SOUND FINANCIAL POSITION

We are a bank equipped with a sustainable business model that is based on a track record of having a sound financial position, solvency and stability. Thanks to prudent risk management, we are in a position to deal with the future and the challenges posed by the economy with better security and strength.

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RESPONDING TO YOUR NEEDS

This project starts off with the aim of continuing to offer responses to your needs as a customer by placing quality of service as a top priority and supporting the country's economic recovery. It likewise maintains the values which identify us like proximity, trust, roots and knowledge, along with our commitment to sustainability and society.

INFORMATION OF INTEREST

Replacement of Liberbank by Unicaja Banco and continuity of contracts

As a consequence of the merger between both institutions, which was legally carried out by Liberbank's absorption by Unicaja Banco, the latter subrogates itself through universal succession to assume all of Liberbank's rights and obligations. It therefore takes the place Liberbank had held in its contractual relationships until then.

 

All Liberbank customers have therefore become Unicaja Banco customers.

 

For the time being, this change does not involve any change whatsoever to the terms and conditions of the contracts Liberbank had entered into with its customers.

Digital Banking

Any Unicaja Banco customers who were formerly Liberbank customers and had previously subscribed digital banking services from said institution will maintain access to those services on the www.liberbank.es website and the Liberbank mobile application until the operational integration procedures have come to an end. We will keep customers informed of these procedures' progress.

 

They will also benefit from the advantage of being able to make transfers between accounts of both institutions as from this moment.

Card and ATM network transactions

Any Unicaja Banco customers who were formerly Liberbank customers will be able to continue operating with the cards issued by said institution without any operational changes for the time being. Should they come about in the future, they will be duly informed.

 

In addition, they will have the Unicaja Banco ATM network at their disposal, which now also includes the Liberbank ATM network, comprised of almost 3,000 ATMs across Spain, which will be available to all its customers. These customers will be able to make debit cash withdrawals from said ATMs free of charge.

Branch network

As Unicaja Banco customers, any customers who were formerly Liberbank customers will also have at their disposal the entire Unicaja Banco branch network, which now includes the branches of the Liberbank network.

 

However, we recommend that you temporarily handle your over-the-counter transactions by going to your usual branch until both institutions' operational procedures have been integrated.

Other ways of contacting Unicaja Banco

Aside from the branch network, this institution's www.unicajabanco.es website offers extensive information on Unicaja Banco, which can also be contacted by telephone at the customer service number 900 830 998 free of charge or on the customer service social media profiles: Unicaja Responds on Twitter and Unicaja Banco on Facebook.

 

If you prefer, you can also contact Unicaja Banco by post by writing to Avenida Andalucía 10-12, 29007 Malaga.

Complaints and claims

Your complaints and claims as a Unicaja Banco customer will be dealt with by the institution's Customer Service Department in accordance with the Unicaja Banco Customer Protection Regulation.

 

While we are adapting both institutions' operational procedures, we temporarily invite any customers who were formerly Liberbank customers that wish to file a complaint or claim to do so through the channels set out below to ensure they are dealt with speedily:

 

  • Former Liberbank branch network
  • Post: Customer Service Department, Camino de la Fuente de la Mora, 5, 28050 Madrid
  • E-mail: attentionalclient@liberbank.es

 

Notwithstanding the foregoing, we inform you that the Unicaja Banco Customer Service Department's e-mail address is atencionalcliente@liberbank.es and its postal address is Customer Service Department, Avda. de Andalucía 10-12, 29007 Malaga.

 

 

You can consult this and another related information on the filing and processing of complaints and claims at www.liberbank.es and www.unicajabanco.es, as well as at your usual branch, where you will be able to find a claims form.

Personal Data Protection

As a result of the merger, the Personal Data Controller of any customers who were formerly Liberbank customers has become Unicaja Banco, S.A., the holder of VAT registration number A93139053 and with registered office at Avenida de Andalucía, 10-12, 29007 Malaga.

 

Unicaja Banco will abide by the same purposes of processing to which you have granted your consent to Liberbank.

 

You may contact Unicaja Banco's Data Protection Officer through the Unicaja Banco Data Protection Office either at its postal address, Avenida de Andalucía 10-12, 29007 Malaga, or by sending an e-mail to oficina.proteccion.datos@unicaja.es.

 

You may exercise your right of access as well as your rights to rectification, erasure, object, restrict processing and data portability regarding your personal data, along with your right of your data not being solely subject to automated decision-making and profiling just as you have been able to do until now.

 

You are also entitled to object to receiving advertising on the Bank's own products it sends you under the grounds of its legitimate interest. You may write to the Customer Service Department to exercise these rights. The postal address to contact it is Avenida de Andalucía 10-12, 29007 Malaga and its e-mail address is atencion.al.cliente@unicaja.es.

 

You may likewise withdraw and change the consents you have granted at any time by submitting a document thereof to any of our branches and, on a temporary basis, on the www.liberbank.es website while the operational integration tasks are being completed. Customers will be duly informed of the progress of such tasks.

 

In any event, you may file a complaint concerning data protection matters to the Data Protection Office at the e-mail address oficina.proteccion.datos@unicaja.es. You may also file a claim before the Spanish Data Protection Agency (Agencia Española de Protección de Datos) on its website www.aepd.es.

 

You can consult at any time all the detailed basic information about how Unicaja Banco will process your personal data as a customer at any of our branches or on the Digital Banking service. Regardless of this, we set out the basic information below:

BASIC INFORMATION ON THE PROCESSING OF CUSTOMERS' PERSONAL DATA

Who is your data's data controller?

The data controller of your data is Unicaja Banco, S.A., whose registered office is at Avenida de Andalucía 10-12, 29007 Malaga.

 

Contact the Data Protection Officer through the Unicaja Banco Data Protection Office at Avenida de Andalucía 10 and 12, Malaga (Post Code: 29007) or send an e-mail to oficina.proteccion.datos@unicaja.es.

How will my personal data be processed as from the merger?

  • Consent-based processing: this kind of processing will only be performed if you have granted Liberbank consent for it.
  • Processing needed to perform contractual relationships: this kind of processing is necessary to enter into and maintain the contractual relationships we establish.
  • Processing needed to fulfil regulatory obligations: this kind of processing is needed to adopt certain measures imposed by the regulations which apply to Unicaja Banco's activity.
  • Processing on the grounds of the legitimate interests pursued by Unicaja Banco or by a third party, provided said interests do not prevail over your interest or your fundamental rights and freedoms.

What will we use your data for?

  • Subscription and contractual relationship management of banking and financial products and services, along with credit and risk assessment due to performance of an agreement.
  • Fulfilment of legal obligations (such as prevention of money laundering or tax obligations).
  • Assignment of the customer's personal data to fraud prevention files under the grounds of our legitimate interest (further information on Unicaja Banco's legitimate interest can be found in the additional information).
  • Assignment of the customer's personal data to breach of financial obligation files or solvency files in the event of default by said customer under the grounds of our legitimate interest (further information on Unicaja Banco's legitimate interest can be found in the additional information).
  • Under the grounds of our legitimate interest, we also use your data to contact you and send you both general advertising on our products and advertising based on your preferences as a customer or in accordance with the consent you have granted to send you advertising on different products and/or pass on your data or to entities belonging to Grupo Unicaja Banco or collaborating entities.
    Unicaja Banco may use both non-electronic media (traditional post) and electronic marketing communications (e-mail, SMS, mobile applications or any other electronic media) to send you said communications.
    Further information about Unicaja Banco's legitimate interest or about the data categories processed according to your consent can be found in the additional information.

For further information about Unicaja Banco's purposes of processing, you can consult the additional information contained in the section "For what purpose and under what legitimate grounds does Unicaja Banco process personal data?".

Who will we pass on your data to?

  • National, regional and local public authorities, as well as official agencies located inside and outside of the European Union within the framework of combatting fraud, terrorism financing and serious kinds of organised crime, and preventing money laundering.
  • Public authorities responsible for granting aid, guarantees or similar to the data subject, where such assignment of data is necessary due to the service subscribed.
  • Tax authorities and authorities for the prevention of money laundering and financial offences.
  • Breach of financial obligation files and fraud prevention files.
  • Companies belonging to Grupo Unicaja Banco.
  • Service providers, especially collection agencies.

For further information, you can consult the additional information contained in the section "Who will we pass on your data to?".

Where do we obtain your data from?

Unicaja Banco will process any data obtained from the following sources:

  • The data subjects themselves through the document, form or similar that collects their data, as well as from telephone call or videocall recordings which record their voice, image or both.
  • Publicly accessible sources, such as the Companies Registry or the Land Registry, along with the public administrations, telephone book, lists of people belonging to professional associations, fraud prevention lists — in particular Iberpay and Confirma files —, social media and the Internet.
  • Common wealth and credit solvency files, including the ones issued by Bureau Experian and its Cirex, Infodeuda and Badexcug files.
  • Bank of Spain Risk Information Centre.
  • Commercial information providers, including Axesor Conocer Para Decidir.
  • Information about third parties provided by the data subject-customer (authorised persons, guarantors, beneficiaries, etc.).

For further information, you can consult the additional information contained in the section "How have we obtained your data?".

What data do we obtain from sources other than the data subject?

Unicaja Banco will mainly obtain the following personal data or personal data categories from the aforementioned sources:

  • Economic data: level of income, salary, tax returns, economic aid received.
  • Professional data: professional activity, job, employment contract.
  • Fraud prevention data: possible suspicious transactions reported by other of the files' participating entities, actions carried out.
  • Solvency data: possible debts with other financial institutions or entities that periodically issue invoices.
  • Credit risk data which involve granting the customer financing.
  • Commercial data: interest in certain products or services.
  • Identity data, contact data, employment data, economic data and data on the relationship with the institution.
  • Geographic location data.

For further information, you can consult the additional information on personal data processing.

What are your rights and how can you exercise them?

You may access, rectify and eliminate your personal data, as well as object to certain types of processing and exercise your rights to restriction of processing and data portability and not be subject to decision-making solely based on your data's automated processing. More specifically, you are entitled to object to receiving advertising on the Bank's own products it sends you under the grounds of its legitimate interest.

 

To exercise these rights, please write to the Customer Service Department at Avenida de Andalucía, 10-12, Malaga (Post Code: 29007) or send an e-mail to atencion.al.cliente@unicaja.es.

 

You likewise have the right to withdraw your consent at any time by filing a request thereof at any branch or making the relevant changes on the Electronic Banking platform.

 

Should you so wish, you can in any event file a complaint concerning data protection matters to the Data Protection Office at oficina.proteccion.datos@unicaja.es

 

For further information, you can consult the additional information contained in the section "What are customers' data protection rights?".

How long will Unicaja Banco keep your data?

Unicaja Banco will keep your information while you are a customer. It will block your data when you are no longer a customer and delete them once the statute of limitations for any possible legal or out-of-court actions that might arise has expired. Unicaja Banco will also have to keep certain information according to legal requirements (for example, prevention of money laundering legislation obliges information to be kept for 10 years).

GENERAL INFORMATION ON PRODUCTS AND SERVICES

What is my institution now?

Liberbank has been merged into Unicaja Banco. Hence, if you were formerly a Liberbank customer you have now become a Unicaja Banco customer from a legal standpoint. All the contracts signed with Liberbank are now construed to have been signed with Unicaja Banco.

How will the merger between Unicaja Banco and Liberbank affect the products and services I have subscribed as a customer?

The contractual terms and conditions of the products and services that you have subscribed will not be changed for the time being. Should any changes come about to the terms and conditions of any of your products over the coming months, we will inform you in advance.

Will my account number(s) change? If this were the case, do I have to do anything to change the bills I have directly debited?

If you were formerly a Liberbank customer, your account numbers will not change for the time being. When the accounts number are changed later, we will inform you well in advance and no further action will be necessary on your part. Directly debited bills will automatically be changed to the new numbering.

If I am customer of both institutions, how does it affect me? Will my accounts be merged?

If you are customer of both Liberbank and Unicaja Banco, all your products and all your accounts will be maintained at the resulting institution. Accounts from the two institutions will not be merged, instead they will be kept apart.

Will any change be made to my mortgage or my personal loan?

No, the terms and conditions of any products Liberbank customers have signed will not change as a result of the merger with Unicaja Banco.

Can any changes take place to my products' returns as a result of the merger?

No, the merger will not have any impact on the returns of the products and services you have subscribed.

Will the terms and conditions or extension of any COVID-19 deferrals be affected?

No, the mortgage or consumer loan deferrals will continue having the terms and conditions agreed on.

If I have a claim pending a response, will this merger alter its resolution?

No, it won't. If it is a claim, the institution will respond to you within the established time limits. If it is a claim brought before a court, Unicaja Banco will assume all of Liberbank's business along with all the obligations related to it.

Do I have to change my cards?

No, Unicaja customers who were formerly Liberbank customers will be able to continue operating with the cards issued by that institution. If any operational changes come about in the future, you will be duly informed thereof.

What ATMs may I use?

The Unicaja Banco ATM network now also includes the Liberbank ATM network and is comprised of almost 3,000 ATMs across Spain, which will be available to all its customers. These customers will be able to make debit cash withdrawals from said ATMs free of charge.

Will my usual transactions in the branch network change?

Unicaja Banco customers have at their disposal both institutions' entire network regardless of whether they were formerly Liberbank customers or Unicaja Banco customers.

 

Nonetheless, some functions may temporarily be unavailable at some branches that originally belonged to one or other institution. It will therefore be in your interest to go to the branches you usually went to before to perform your over-the-counter transactions.

INFORMATION ON DIGITAL BANKING AND CYBERSECURITY

If I am a Unicaja Banco customer, will the way I log in to my Digital Banking Service change as a result of the merger?

No, the way of logging in to your Digital Banking Service (app or website) will continue being the same. Neither your login password nor the way you sign your transactions will change. Remember that we never send e-mails or SMS or make telephone calls asking you for your Digital Banking username and login passwords, or any other sensitive information.

 

For further information, visit the UniBlog Cybersecurity section at the following link: Ciberseguridad | Uniblog ®

If I am a Liberbank customer, will the way I log in to my Digital Banking Service change as a result of the merger?

For the time being, the way of logging in to your Digital Banking Service (app or website) will continue being the same. Neither your login password nor the way you sign your transactions will change. Any change that may come about will be duly notified in advance. Remember that we never send e-mails or SMS or make telephone calls asking you for your Digital Banking username and login passwords, or any other sensitive information.

 

For further information, visit the UniBlog Cybersecurity section at the following link: Ciberseguridad | Uniblog ®

CORPORATE INFORMATION

Where will be the institution's registered office be located?

The institution will keep its registered office in Malaga (Avenida de Andalucía, 10-12, 29007 Malaga) and the Unicaja Banco trade name.

Will its ties to the territory be lost?

The institution will continue maintaining its ties and commitment to its territories of origin, as well as its knowledge of its customers, which it keeps at the centre of its attention. At the same time, it will continue working on strengthening its position nationwide through new projects. The institution, which has deep-seated territorial roots and well-proven management over decades, can count on a highly experienced team of professionals to deal with the financial needs of families and small, medium-sized and large enterprises, as well as the self-employed. It is a bank that will now go on providing service to more than 4.5 million customers.

 

The merger allows it to have an extensive, diversified presence across Spain, making it the fifth largest bank in the Spanish financial system and the leading institution in six regional authorities with a presence in 80% of Spain.

What does the merger provide to the resulting institution? What are the advantages resulting from it?

The transaction allows the bank to be equipped with a sustainable business model that is based on a track record of having a sound financial position, solvency and stability. Thanks to prudent risk management, it is in a position to deal with the future and the challenges posed by the economy with better security and strength.

What are the institution's main goals after this transaction?

Continue creating value for shareholders, improving returns, as well as the offering and quality of service in response to its customers' needs, and continue supporting the country's economic recovery.

Will this involve a change in the institution's values and business model?

It will continue having a sustainable business model based on proximity to its customers. The bank will continue maintaining the values which are its hallmark like proximity, trust, deep-seated roots and knowledge of and ties to the territory.

How will the merger affect technological innovation?

The institution will continue placing quality and innovation as a top priority by incorporating technology to improve customer service and its efficiency.

In a context in which sustainability is taking on increasing importance, including in the financial sector, what goals has the joint institution set in this area?

Along with its track record of financial strength, the institution is characterised by having deep-seated roots in the territory, quality of customer service and innovation, as well as by its social commitment and its commitment to sustainability.

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