Having regard to the text of the salary revision of the Framework Collective Agreement for Financial Institutions of Credit (published in the BOE of 4/09/2007) (Convention Code No. 9901945), which was signed dated February 12, 2009, from one party to the business associations ASNEF, AEF and AEL representing the companies in the sector and from the other by the trade union organisations COMFIA-CC.OO and FeS-UGT representing the workers in the sector and in accordance with the Article 90 (2) and (3) of the Royal Decree-Law 1/1995 of 24 March 1995 on the the recast text of the Law of the Workers ' Statute and Royal Decree 1040/1981 of 22 May on the registration and deposit of collective labour agreements is approved,

This Work General Address resolves:

First. Order the registration of the said salary revision in the corresponding Register of this Steering Center, with notification to the Negotiating Commission.

Second. Arrange for publication in the "Official State Gazette".

Madrid, March 4, 2009. -Director General of Labor, José Luis Villar Rodríguez.

FRAMEWORK COLLECTIVE AGREEMENT FOR CREDIT FINANCIAL INSTITUTIONS 2008

Minutes of the Negotiating Table of the Collective Agreement February 12, 2009

By the Patron representation

Don Luis Pascual (Banco Cetelem), don Carlos Cid Babarro (Celeris), donates Asunción Losada (Cofidis Hispania EFC), donates Ana Lillo Rivilla (Finanzia Banco de Crédito), donates Rossella Truant (GE Capital Bank), donates Carmen Carreno Mallo (MBNA Europe Bank L.), Doña Elena Cardona Ayuso and Doña Carolina Martín León (Services Fros. Carrefour), dona Montserrat Avilés Fernández and don Ángel Aguilar Otero (UCI).

By ASNEF:

Don Honorio Ruiz Cebrián (Secretary General) and Don Ignacio Pla Vidal (Deputy Secretary-General).

By AEF:

Don Honorio Ruiz Cebrián (Secretary General) and Don Ignacio Pla Vidal (Responsible Legal Counsel).

By A.E.L.:

Don Manuel García Fernández (Secretary General), Labor Advisor and Don Francisco Sierra (Legal Lawyers Alliance).

By Trade Union Representation

COMMIA-CC.OO.:

Don Eduardo Alcain Tejada, don Jose Antonio Estrada Garcia, don Francisco Jose Garcia Utrilla and donates Carmen Vinuesa Morro.

FeS-U. G. T.:

Don Jose Cancio del Rey, Don Miguel Angel Fernandez Elipe, don Emilio Rodriguez Lopez, don Jesus Sanz Gonzalez, and don Dario Vernes Mora Aguado.

In Madrid, on February 12, 2009, the parties previously involved in the representation that are represented and constituted by the Negotiating Commission of the Framework Collective Agreement for Financial Establishments of Credit, they state that, notwithstanding the temporary validity of the current collective agreement signed, which entered into force on 1 January 2007 and ended its validity on 31 December 2008, it is appropriate that, in application of the provisions laid down in the Fifth and final additional amounts shall be determined as referred to in Articles 13, 31, 32 and 33 of the collective agreement, as regards its final wording for the year 2008.

Agreements are signed in the following ways:

For the year 2008:

Article 13. Salary tables.

The minimum guaranteed wages, payable on an annual gross basis per day of work, for each of the levels set out in this agreement are, for the year 2008, the following:

Groups	Levels - Euros
I. Address and Head	A: 29.050.10 B: 28.227.91 C: 26.666.90
II. Specialized Command and Technicians	A: 25.291.96 B: 23.916.99 C: 22.227.30
III. Technicians and Administrators	A: 18.769.99 B: 16.533.45 C: 13.938.52

The individual conditions that could be enjoyed as a more beneficial condition in relation to the integration of the former professional categories into the new groups and levels set out in this Collective Agreement strictly respect "ad personam".

Article 31. Plus transport.

In order to contribute to the costs of transport of personnel, a plus of transport of 3.17 euros per day of work is established. Such plus shall be no longer received by the worker on Sundays, holidays, holidays and days of inattendance at work for any other reason justified or unjustified.

Article 32. Departures and diets.

1. If, for the purposes of the service, any worker in the locality in which he/she habitually has his/her destination is displaced, the company shall pay him/her in respect of expenses, in addition to the costs of locomotion, a diet of:

a) One meal out: 22.26 euros.

b) Two meals out: 35.63 euros.

c) Pernoctar out: The company will establish a system of credit of justified hotel expenses (room with bathroom or shower) or housing, applicable to its employees.

2. When the worker is unable to return to eat at home for the company's job, other than usual jobs, even if he is within his/her locality, he/she will be entitled to the diet for food.

3. Where the displacement lasts for more than 60 days uninterrupted, the amount of the allowance shall be reduced by 50 per 100.

4. Undertakings may also establish a system of expenditure to be justified, both for restoration and for hotels, in place of the allowances provided for in this Article.

Article 33. Locomotion expenses.

When travel or travel originated by the company's needs, the workers will use their private car, which will be paid at a rate of EUR 0.28 per kilometre.

And in evidence of compliance with the foregoing, the Secretaries of Acts designated for this purpose are signed by the present act and agree to refer the same to the General Labour Directorate, through the lawyer Don Francisco Sierra González, for the registration, deposit and publication of this article, immersed in the Collective Agreement for the Financial Institutions of Credit in force from January 1, 2007 until December 31, 2008, which was sent in its day to the labor authority.