1. Your dream home in Mexico A world class product is only possible through Grupo BBVA HELPING CLIENTS WITH GLOBAL NEEDS

2. BBVA Bancomer is the leader in every Mexican / USA border State… With what every State with Hispanic Population represent a clear Opportunity 61,673,146 22% 44% 7% 21,475,522 19,966 33% 13% Population % of Population Growth Number of Homes Rent per capita % of Population in US Expected Growth Percentage of Hispanic 2 nd Generation Leaning on the strenght of the presence in México, in 2005 Grupo BBVA decides to enter the US territory through the adquisicion of two Banks: Valley Bank (today BBVA Bancomer USA) in CA and Laredo National Bank in TX

3. This adquisicion allows us to think in a new generation of binational products, that take advantage of the experience, installed capacity and strenght of the financial institutions that are part of Grupo BBVA in both sides of the border. Grupo BBVA pretends to develop services that support the establishment of businesses on both sides of the border for both, developers and individuals. NEW HORIZONS IN PRODUCT DESIGN

4. Considering the previous, BBVA USA, and the Banca Hipotecaria de Bancomer México, have joined efforts to design: A New Binational Mortgage Product Through this product we offer the advantages of a credit approved in the US that has the experience and service of the leader mortgage company in Mexico THE BEST OF BOTH SIDES

5. BBVA USA groups 5 Business Units; 3 Banks Bancomer Transfer Services BBVA Bancomer USA Laredo National Bank (*) BBVA Financial USA BBVA Puerto Rico Bank extension of Bancomer México focused on the 1 st generation of immigrants Texan Bank of the Border, specialized in commercial and international bank Dedicated to Credit Cards and Financing, specialized in alternative financing Leader in money transfers to Mexico and Latin America; MSB specialist 6 th Bank in Puerto Rico, specialized in business financial mortgage And 2 Financial: (*) En proceso de migración de marca e integración dentro del paraguas BBVA

6. We have 82 of our own sellimg points inCA y TX, States with the biggest hispanic presence as well as biggest commerical relationship with Mexico 3 North CA 1 Mexican Border 9 East (Riverside y San Bernardino) 1 Oxnard CALIFORNIA:32 OfficesTEXAS:50 Offices McAllen Houston Dallas Austin San Antonio Corpus Christi Brownsville Laredo Eagle Pass Del Río Ciudad Fronteriza Ciudad No Fronteriza McAllen Houston Dallas Austin San Antonio Corpus Christi Brownsville Laredo Eagle Pass Del Río Ciudad Fronteriza Ciudad No Fronteriza

7.  LNB is a bank constituted under all american rules, regulations and legistations.  As a national entity, LNB has the experience to make formal mortgage loan in the US. On top of the 82 offices in TX and CA, from Laredo we will approve the loans into every state of the US  LNB already has the experience in financing properties in Mexico for US residents Laredo National Bank, will be the legal entity that will grant the loans:

8.  LNB is an institution founded in 1892, especialized, in the development of businesses and industries along the Mexican/American boarder and the south of Texas. Through a tradition of service and innovation.  95% of the employees are bilingual (100% in BBVA Bancomer Bank)  Tradicionally, it is a bank with an important base of international banking clients, originally from Mexico  It is as well an entity with a high expertise in commercial and individual mortgage financing. “Serving Two Nations since 1892”

9. Products MSB Money Transfers Check Cashing Money Orders Pre-Paid Phone Cards Offers related to health, nutrition or travel services Checking Accounts Savings Accounts CD’s Mortgage Credit Cards Third Party Products Banking Products Apalancados in BBVA Bancomer (Mexico) Brand - Capacities - Clients A bank that shares the Bancomer name and directed mostly to hispanic population and communities A unique commercial proposal, that seeks the incorporation of banking services to a large amount of Mexican US residents

10. The mission for every BBVA USA branches is to offer diferenciated services to clients with bi-national needs Interoperativity México-USA:  Compensation of checks in T+2  Advantage operativity with debit cards in ATMs and offices  Account transfers External Affairs:  Payment Methods  Financing Others Through Laredo National Bank and BBVA Bancomer USA we pretend to be YOUR PARTNER in the US

11.  The bi-national mortgage program, “Your Dream Home In Mexico”, is a product that takes the best out of Laredo National Bank and BBVA Bancomer USA and the Banca Hipotecaria de Bancomer México  We have integrated all the necessary services for north American citizens to be able to acquire a summer or retirement home in Mexico’s national restricted territory, we offer: - Credit approval - Appraisal and guaranties juridical analysis - Fideicomiso (Trust) ( Restricted areas and guaranties ). - Property Insurance - Easy payment plans for developers in US$ or pesos In this context, taking advantage of the synergies between BBVA USA and BBVA Bancomer, we developed “Your Dream Home in Mexico”