All the surcharges in favour of the Consorcio will compulsorily be collected by the insurance companies along with their premiums. Through their representatives, the insurance companies will then pay these surcharges to the Consorcio, in terms of the collection date, in accordance with the periods established for each surcharge and model.

If previously announced to the Consorcio in a reliable way, companies could settle surcharges according to the issued premiums, notwithstanding the necessary adjustments. This option, if chosen, must be applied to the entire portfolio of the company and by calendar year.

The surcharges are public law revenue, which determine a series of prerogatives aimed at aiding their collection in the Consorcio's favour, and they are justified by the public interest of the functions that the aforementioned surcharges must finance.

The Direction General for Insurance and Pension Funds (DGSFP), through Insurance Inspection and in accordance with the approved inspection plans proposed by the Consorcio, will inspect the insurance companies collecting surcharges in the Consorcio's favour, in order to verify the effective compliance with the obligation.

Polices in coinsurance con be informed in two ways:

- The leading company can declare and settle the 100% of capital, limits and surcharges.

- Each coinsurer can declare and settle their share of capital, limits and surcharges.

In certain special cases, declaration and settlement can be made through the management entity of the coinsurance pool, after prior authorisation by Consorcio.

The insurance companies may opt for fractioning the policyholder's premium and within this alternative, in turn, fractioning the surcharges paid to the Consorcio.

• When opting for fractioning the policy holder's premium, charging it fractioned, but without fractioning the surcharge paid to the Consorcio, the companies are obliged to pay the Consorcio the entire surcharge with the collection of the first fraction of the premium.
• When opting for fractioning the premium and fractioning the compulsory surcharges according to the frequency shown below, the Consorcio may be paid the surcharge fractions as the premium fractions are collected. The choice of this option, as opposed to the previous one, will generate financial interest in the Consorcio's favour.

The fractioning interest rates in force are the following:

• For fractioning the premium with six month due dates, 2 percent.
• For fractioning the premium with quarterly due dates, 2.5 percent.
• For fractioning the premium with two month due dates, 3 percent.
• For fractioning of the premium with monthly due dates, 3.5 percent.

In any event, the Consorcio must have been previously informed when opting for the fractioned payment of the surcharges, recording this on the technical specifications and applying it systematically in the line or risk to which it refers.