WARNING: The English version is only a translation of the original in Spanish for information purposes. In case of a discrepancy, the Spanish original prevails.

DECLARATION OF RESPONSIBILITY FOR THE HALF YEAR FINANCIAL REPORT The members of the BBVA Senior Finance, S.A. Unipersonal Board of Directors hereby declare that, insofar as they know, the summary financial statements for the period between 1 January until 30 June 2008, filed at the meeting, 17th July 2008, drawn up under the applicable accounting standards, offer a faithful image of the net assets, financial situation and results of BBVA Senior Finance, S.A Unipersonal, and that the management report include a faithful analysis of the required information.

Madrid, 17th July 2008 SIGNED BY ALL MEMBERS OF THE BOARD