Bancrédito International Bank & Trust, Corporation (hereinafter, “Bancrédito”, “BIBTC”) is an International Banking Entity (IBE) founded in 2008 as part of an International Financial Services Group with over one hundred and twenty years of experience in the Banking World; established under the laws of the Commonwealth of Puerto Rico, regulated by the Office of the Commissioner of Financial Institutions (OCIF) of Puerto Rico and governed under Puerto Rican State laws and by applicable federal laws of the United States of America.