CREDITO LOMBARDO VENETO S.P.A.

CREDITO LOMBARDO VENETO S.P.A. is an Italian società per azioni active in the credit and financial services sector and operates under the national regulatory framework governed by the Consolidated Banking Act (TUB) and oversight by the Bank of Italy; where it provides investment or distribution services it is also subject to rules enforced by CONSOB. If authorized as a bank and engaged in deposit-taking, deposits are protected by the Italian deposit guarantee scheme up to €100,000 per depositor per bank; if it operates instead as a non-bank financial intermediary under Article 106 TUB, it is not permitted to take deposits. The company is required to file annual financial statements with the Italian companies register and, where applicable, publish regulatory disclosures (including Pillar 3) and provide standardized pre-contractual information such as the Foglio Informativo for banking products and the European SECCI for consumer credit. Product offering and scope depend on the license held and can include financing to households and businesses and payment services permitted by law; pricing, interest rates, and ancillary fees are detailed in the transparency documentation made available to clients. Corporate governance follows Italian company law with a board of directors and a board of statutory auditors, and internal control functions must address risk management, compliance, and anti–money laundering obligations. Complaints are handled by a designated complaints office within statutory timeframes, and unresolved disputes on banking services can be brought before the Arbitro Bancario Finanziario (ABF). Prospective customers should review the latest tariff sheets, contractual terms, and regulatory disclosures and verify the firm’s exact regulatory status and any deposit protection coverage before opening accounts or signing credit agreements.