The objective of B21 is to help Entrepreneurs and Managers to make decisions to accelerate the growth of their business. Taking advantage of the capabilities and tools digital and non- digital in areas such as: • Marketing and Communication • Digital transformation • Business Development To adapt to the digital environment that allows an increase and a relevant impact on the business at a lower cost and with greater speed , effectiveness and efficiency. In addition, digital adaptation is critical to adapt to the needs , preferences forms of consumption of CLIENTS and USERS, as well as of society in general.

Mission: Responsible for the management of the Marketing Mix of the GROUP. Leading a team of 23 people. Reporting to the General Manager and member of the Business Committee. MAIN ACHIEVEMENTS IN MARKETING AND DIGITAL TRANSFORMATION: -CREATE AND LAUNCHING THE NEW AND UNIQUE BRAND FOR THE ENTITY: Creand. (Toni Segarra/AlegreRoca).• Creation of the new Marketing department. From Local (Commercial Banking) to International (Private Banking and Insurance). Alignment with strategic aspiration.• Leadership, coordination and implementation of the Annual Commercial and Marketing Calendar.• Establishment of key procedures: New Products, Commercial Campaigns, Rates/Prices. • Implementation of the Digital Transformation area. -Proposal and launch of the Digital Agenda and Strategy.o Development of Strategy and Implementation of Web Portals of the Group. o Integration of Web Portals and online banking. o Development of New for Online Banking. o New Borsacredit Market Portal. o Launch of contactless payment cards (Mastercard and Visa) (pioneers in Andorra).o Mobile payment (CreditWallet). Pioneers in Andorra. • Launch of the new corporate UNIQUE brand: Creand © (2021/2022)- (Toni Segarra/AlegreRoca).-Launch of the MARKETING PORTAL. Provide all employees of the entity with key business data at the entity level. MAIN ACHIEVEMENTS IN CORPORATE COMMUNICATIONS: • Winners in the last 4 years of the "The Banker-PWM" award for the Best Bank in Andorra in Private Banking (Financial Times-London). • Implementation and leadership of the transversal coordination of SUSTAINABILITY (ESG+UNEPFI). •Creating and implementing the Crisis Manual. • Strategy and Annual Communication Plan and determination of spokespersons in Andorra and subsidiaries.

DIRECTOR OF MARKETING AND COMMUNICATIONMission: Responsible for the management of the Marketing Mix, product development, pricing policy, promotions, coordination with Sales, advertising and communication, market research and customer management (CRM). Leading a team of 8 people. Reporting to the CEO and member of the Steering Committee.Achievements:• Creation and leadership of the Business Plan and the Annual Commercial Calendar. Commercial planning.• Leadership and coordination of the Business Committee and the Communication Committee.• Launch of new products and coverage:o New Individual Systematic Savings Plan (PIAS). Record sale of €3 million in 2 months.o New Auto Insurance (HDI). Sales success and profitability, reaching 300 monthly policies.o New Home Insurance. Greater customer orientation. Increase in sales by +65%.o New simplified Accident Insurance for Bankpime.o New Health Insurance coverage: Stem cell conservation, coverage in case of unemployment or sick leave, frequency of payment, separation of portfolio fees and NP.• Design of the new Health promotion. Sales record by reaching €2 million in sales in 1 month.

DIRECTOR OF OPERATIONAL MARKETING AND SALES SUPPORT. 2004-2007 Mission: In the Winterthur stage commercial coordination between Marketing and Distribution. Management of the new team and determination of the Annual and Promotional Incentive Plan for the Sales Network. In the AXA stage. Assumption of previous and new responsibilities. Integrating the entire direction of Operational Marketing, Distribution Communication, Sales Technologies and AXA Distel (Call Center). It involves the management of a team of 19 direct collaborators and 18 functional reports.Achievements:• Creation and launch of the new WINNERS TIME incentive program. Implementation of quarterly incentives according to the promoted products, boosting their sale. Quarterly sales accelerators according to meeting objectives.• Launch of the OPER@ Online Portal for the Sales Network. Winterthur key project. Increase service and productivity. Use of 60% in 2 months and 90% in 4 months by agents and brokers.• Management@. New application in OPER@ that allows you to consult and view every day all the company's efforts with vendors. 1,000 registered mediators in just 1 month. MARKETING MANAGER (Marketing) - 2002-2004Mission: Responsible for Diverse or Multi-risk Insurance (Home, Communities, Vessels, Travel Assistance and RC).STRATEGIC CHALLENGE: Collaborate and co-lead the creation and generation of a new Marketing culture. Going from the usual Marketing in the sector to Marketing with a Mass Consumption approach.Achievements:• Development of new products: Home (+20% sales) and Boats (+200% sales).• Successful Home promotion (12,000 Sales policies/+30%). Genesis of a new culture in Marketing through the implementation of a promotional calendar and commercial actions direct to the client.

MARKETING MANAGER RUFFLES and DORITOS (Marketing) – 1999-2002Mission: Responsible for the development of a leading brand with a market share close to 60% in the case of RUFFLES. Doritos as the leading brand in the CORN SNACKS segment. Coordinating actions locally and internationally. (Global Brands).Main milestones:-Relaunch of the RUFFLES range. The new RUFFLES WOW. With New Packaging, more wavy potatoes and the new RUFFLES RANCHERAS flavour. Launch campaign throughout Spain. RUFFLES WOW FLY TOUR. Events throughout the Spanish Mediterranean coast. Music, taste of the new flavor, and all kinds of FLY activities, on the main beaches of the Spanish coast.- Launch of the new RUFFLES YORK'ESO. New flavor of YORK and CHEESE. One of the main flavors in Spain. The so-called BIKINI or MIXED.-DORITOS SIZE UP. Increase of +40% in volume sales and very significant increase in market share. (Tons). CATEGORY MANAGER (Sales) – 1997-1999Mission: Hired to create the new function and the implementation of a key project in Sales. Development and implementation of an international agreement between PEPSICO SNACKS and CONTINENTE. Subsequently, and after the success achieved, it was also developed with PRYCA and DIA.

MARKET ANALYST AND CONSUMER INSIGHTS.Mission: Analysis and recommendations for the management of the Marketing Mix. Managed accounts: FRIGO (Unilever), SCOTTEX (Scott Ibérica Paper Tissue), MATUTANO (Pepsico), MYRURGIA (Fragrances and Makeup), IAN (Preserves) and CAFÉ MARCILLA (Sara Lee).