Multibank

Multibank, Inc. (Multibank) is incorporated under the laws of the Republic of Panama and started operations on July 12, 1990, under a general banking license issued by the Superintendency, by Resolution N° 918 dated March 28, 1990, which allows it to provide banking services, indistinctly, in Panama or abroad.

Multibank provides a wide range of financial services, mainly related to corporate,
investment, mortgage, and consumer banking as well as insurance, factoring, and leasing
services.

Multibank is a 100%-owned subsidiary of Multi Financial Group Inc. (Holding
Company), an entity incorporated in conformity with the laws of Panama,
through Public Deed N° 27,702 dated November 9, 2007.

Multibank owns the entire equity of the following subsidiary companies:

• Hemisphere Bank Inc. Ltd.
• Gran Financiera, S.A.
• Multi Trust, Inc.
• Banco Multibank, S.A.
• Multi Capital Company, Inc.
• Multibank Seguros, S.A.
• Multileasing Financiero, S.A.
• Multi Facilities Holding Corporation
• MB Creditos, S.A.
• Multibank Factoring, Inc.
• Multibank Cayman, Inc.
• Orbis Real Estate, Inc.
• Inversiones Prosperidad, S.A.