Consumer Information from the Credit Intermediary

Sonhar Mediação Imobiliária Lda., with NIPC 509581340, with its registered office located at Rua 25 de Abril No. 5, 4480-722 Vila do Conde, is registered with the Bank of Portugal under registration number 0002693 and operates as a tied credit intermediary in accordance with the requirements established by Decree-Law 81-C/2017 of July 7.

This document complies with the provisions of Article 54 of Decree-Law 81-C/2017 of July 7, regarding the duty of prior disclosure by credit intermediaries (IC) prior to the provision of services. Accordingly, the following is hereby stated:

Verification of Registration with the Bank of Portugal: https://www.bportugal.pt/intermediariocreditofar/sonhar-mediacao-imobiliaria-lda

Lenders with whom we have an affiliation agreement:

BANKINTER, SA – PORTUGAL BRANCH

CAIXA GERAL DE DEPÓSITOS, SA

BANCO SANTANDER TOTTA, SA

BANCO BPI, SA

ABANCA Portugal, SA

NOVO BANCO, SA

UNION DE CRÉDITOS INMOBILIÁRIOS, S.A.

Credit Intermediation Services authorized by the Bank of Portugal:

Services related to mortgage loans

and consumer credit, specifically:

– Presentation or proposal of consumer credit agreements;

– Assistance to consumers through preparatory acts or other pre-contractual management tasks regarding credit agreements that were not presented or proposed by the intermediary;

– Execution of credit agreements with consumers on behalf of lenders;

SRC Mortgage Credit Policy Number and Validity: Hiscox S.A. – Portugal Branch, Policy No. 2511110, Valid through August 14, 2027

Total prohibition on receiving payments: Under no circumstances may Sonhar Mediação Imobiliária Lda. receive any payments from consumers related to the formation, execution, or early fulfillment of credit agreements, pursuant to Article 46 of the aforementioned legislation

Business Address: Rua 25 de Abril No. 5, 4480-722 Vila do Conde

Contact: sergio.lardesonho@gmail.com 252600790

Complaints:

– In person – Must be submitted at the company’s address.

– Electronically – Through the Complaints Book platform at www.livroreclamacoes.pt

Alternative Dispute Resolution Mechanisms – Available Arbitration Centers: Sonhar Mediação Imobiliária Lda. has agreements with two alternative dispute resolution centers: CICAP – Porto Consumer Information and Arbitration Center https://www.cicap.pt/; TRIAVE – Consumer Dispute Arbitration Center of Ave, Tâmega, and Sousa. https://www.triave.pt/

Mortgage Loan Agreement – Fees that Sonhar Mediação Imobiliária Lda. Receives from the Lender: This information will be included in the FINE – European Standardized Information Sheet, which will be provided by the credit institution prior to the execution of the loan agreement, as it depends on the loan amount.