Colombia

Document 6 of 8 of the BNKA Documentary Package, Edition 1.0
Effective date: July 2026
Supplements: General Terms of Use of the Platform
Precedence: the Regulated Entity's Agreement prevails over this Module in all matters relating to the products and financial services. The principle of non-duplication set out in clause 2.4 of the General Terms applies.

1. SCOPE

This Module applies to Users resident in the Republic of Colombia.

2. ENTITIES

2.1 Regulated Entity. The products and financial services are provided by Banco Cooperativo Coopcentral, a credit institution supervised by the Financial Superintendency of Colombia. It is the sole entity responsible for those products and services.

2.2 Local entity. Block Services S.A.S., NIT 901590802-9, commercial registration 03523405 of the Bogotá Chamber of Commerce, acts in the Republic of Colombia in the capacity and with the scope determined by the agreement entered into with the Regulated Entity. Block Services S.A.S. is not a credit institution, it does not take funds from the public on its own account, it does not grant credit and it does not assume ownership of Users' funds.

2.3 Technology provider. Byte Neoka UAB, in accordance with the General Terms.

3. DOCUMENT GOVERNING THE PRODUCTS AND FINANCIAL SERVICES

3.1 The products and financial services, including the deposit product, its opening, its nature, coverage by the deposit insurance administered by the Financial Institutions Guarantee Fund (Fogafín), limits, remuneration, the execution of transactions, execution times, the Regulated Entity's fees and charges, the regime governing unauthorised transactions, termination of the contract and the complaints procedure, are governed in full and exclusively by the Agreement and the documentation which the Regulated Entity provides to the User and which the User accepts.

3.2 This Module does not reproduce, amend, interpret or supplement that Agreement. Any discrepancy is resolved in favour of the Regulated Entity's Agreement.

3.3 The User must read and accept the Regulated Entity's Agreement before contracting.

4. FUNCTIONALITIES ENABLED IN THE INTERFACE

4.1 The functionalities accessible through the Platform are executed exclusively by the Regulated Entity. The Platform acts solely as a technology interface.

4.2 The functionalities enabled from time to time are those displayed in the interface, and are limited to those for which the Regulated Entity holds the corresponding authorisation and which are covered by the agreement in force between the Regulated Entity and the group entities.

4.3 Transfers originating from or destined for abroad are governed by the corresponding Corridor Annex, published on bnka.com, and by the Colombian foreign exchange regime. Only those corridors for which an Annex has been published are available.

5. REMUNERATION OF THE SERVICES AND TRANSPARENCY IN THE INTERFACE

5.1 Conversion rate. Where the amount payable by the User and the amount to be received by the beneficiary are expressed in different currencies, a conversion rate will be applied which may include a margin over the reference used to determine it. That margin constitutes the remuneration for the services provided by the participating entities.

5.2 No charge for use of the Platform. Use of the Platform is not subject to any fee, subscription or recurring charge.

5.3 The Regulated Entity's fees. These are set out in its Agreement and in the fee schedule published at bnka.com/fees.

5.4 Information provided before each transaction. Before the User confirms an order, the interface will display, clearly and in a form the User can retain:

(a) the exact amount to be debited from the User's product;
(b) the conversion rate applied and the reference used to determine it, in a manner which allows the margin to be identified;
(c) the total amount of fees and charges, itemised;
(d) the exact amount the beneficiary will receive in the destination currency;
(e) the estimated time for the funds to be credited.

The User must expressly confirm each order. No order is executed without confirmation.

5.5 No economic item will be applied to the User which has not been notified in accordance with clause 5.4, the fee schedule or the Regulated Entity's Agreement.

6. SECURITY

6.1 The authentication mechanisms are those established by the Regulated Entity.

6.2 Neither Byte Neoka, nor Block Services S.A.S., nor the Regulated Entity will ask the User, through any channel, for the User's credentials, keys or one-time codes, except where strictly necessary during an authentication process managed directly by the Regulated Entity through its own secure environments.

7. COMPLAINTS AND FINANCIAL CONSUMER PROTECTION

7.1 Products and financial services. These are addressed to Banco Cooperativo Coopcentral, through the channels and in accordance with the procedure and time limits set out in its Agreement, in its official channels and in the applicable rules.

7.2 Financial Consumer Ombudsman. The User may contact the Financial Consumer Ombudsman (Defensor del Consumidor Financiero) of Banco Cooperativo Coopcentral, whose contact details are set out in that entity's official channels, in accordance with the Financial Consumer Statute, Law 1328 of 2009.

7.3 Software and support. Enquiries and incidents concerning the operation of the Platform or the support received may be addressed to support@bnka.com or to the channels indicated on the Platform.

7.4 Administrative bodies. Nothing in this clause limits the User's right to apply to the Financial Superintendency of Colombia, to the Superintendency of Industry and Commerce, or to any other body established under Colombian law, within their respective areas of competence.

8. PROCESSING OF PERSONAL DATA

Personal data is processed in accordance with Law 1581 of 2012 and its implementing rules, and with Law 1266 of 2008 as regards financial, credit and commercial information, with the applicable Privacy Policy and with the Regulated Entity's own processing policy.

9. AMENDMENT

Amendments to this Module will be notified with the minimum advance notice required under Colombian law. Amendments to the Regulated Entity's Agreement are notified by that entity in accordance with its own regime.

10. GOVERNING LAW AND JURISDICTION

10.1 Relations with a User resident in the Republic of Colombia are governed, as regards financial consumer and general consumer protection, by the mandatory provisions of Colombian law, with the bodies identified in clause 7.4 having competence.

10.2 The Regulated Entity's Agreement is governed by Colombian law.

10.3 As regards the use of the software, clause 16 of the General Terms applies, without prejudice to clause 10.1.