(b) Cost/Benefit of the industry company of banking pool 1

Before OPE25

After OPE25

Cost

EC

Cost

EC

Variable salaries or Incentivized Pay on a 3-year loss mitigation plan

0

0

$1,200,033,725

$2,436,432,108

Cost of technology (products and services)

$2550

(Approximately per user of an ERP)

0

FinTech base:

first 3 months free excluding training and self-financing by approximately 1% of the Economic Capital (EC) spread over 3 years (1)