I. GENERAL INFORMATION ABOUT THE FUND
09/10/2024
15/10/2024
InterMoney Titulización, SGFT, S.A.
Pepper Finance Corporation, S.L.U.
Banco Santander, S.A.
Banco Santander, S.A.
Mercado AIAF
S&P /MDBRS
Class A AAA (sf), MDBRS ,AAA (sf) S&P
Class B AA(high) MDBRS (sf), AA (sf) S&P Class C AA(low) MDBRS (sf),A (sf) S&P Class D BBB(high) MDBRS (sf),BBB(sf) S&P Class J NR
II. SECURITIES ISSUED BY THE FUND
Class A SERIES
ISIN Code ES0305839005
Aggregate Amount Issued 204.000.000,00 € Aggregate Amount Outstanding 204.000.000,00 € Minimum Increment (Issued) 100.000,00 € Minimum Increment (Outstanding) 100.000,00 €
Class B SERIES
ISIN Code ES0305839013
Aggregate Amount Issued 16.700.000,00 € Aggregate Amount Outstanding 16.700.000,00 € Minimum Increment (Issued) 100.000,00 € Minimum Increment (Outstanding) 100.000,00 €
Class C SERIES
ISIN Code ES0305839021
Aggregate Amount Issued 13.000.000,00 € Aggregate Amount Outstanding 13.000.000,00 € Minimum Increment (Issued) 100.000,00 € Minimum Increment (Outstanding) 100.000,00 €
Class D SERIES
ISIN Code ES0305839039
Aggregate Amount Issued 16.600.000,00 € Aggregate Amount Outstanding 16.600.000,00 € Minimum Increment (Issued) 100.000,00 € Minimum Increment (Outstanding) 100.000,00 €
Class J SERIES
ISIN Code ES0305839047
Aggregate Amount Issued 15.300.000,00 € Aggregate Amount Outstanding 13.028.750,19 € Minimum Increment (Issued) 100.000,00 € Minimum Increment (Outstanding) 85.155,23 €
III.ADDITIONAL INFORMATION
Settlement corresponding to the period: 27/07/2026 - 25/08/2026 Bond Payment Notification: 25/08/2026 Cash Flow period: 27/07/2026 - 25/08/2026 IMT/PEPPER IBERIA 2024, FT, FT/Payment info/Aug26Current Rating Bonds Rating corresponding to 18/8/2026. The current Bonds ratings are available on our website www.imtitulizacion.comManagement Company
Issuer
Paying Agent
Swap Guarantor
Traded Market
Rating AgenciesPEPPER IBERIA CONSUMER 2024, FT
Data corresponding to the period: 27/07/2026 - 25/08/2026 Date of Incorporation of the Fund Closing Date of the Bonds
Interest Available Funds 3.294.431,81 (a) Finance Charge Collections received bytheIssuer during theDetermination Period immediately preceding such Determination
Date:3.281.025,54
(b) Excess funds from the Class J Notes Expenses Portion; 0,00 (c) any monies standing to the credit of the Cash Reserve Fund which are applied to make up a Revenue Shortfall; 0,00 (d) any Principal Available Funds applied to remedy a Remaining Revenue Shortfall; 0,00 (e) any Cash Reserve Release Amounts; 0,00 (f) any accrued interest credited to the Transaction Account ; 13.236,10 (g) amounts due and payable under the terms ofthe Swap Transaction (ifand tothe extent paid) other than (i)any Swap Collateral received from theSwap Counterparty (ii)any interest ordistributions on,and any liquidation orother proceeds of,such collateral orother Collateral Amounts, (iii)any Replacement Swap Premium received bythe Issuer from areplacement Swap Counterparty, (iv) any Swap Tax Credit Amount, and (v) any termination payment received bytheIssuer from theSwap Counterparty pursuant totheSwap Transaction, which, ineach case, will not be available totheIssuer tomake payments toitscreditors generally, but may only beapplied inaccordance with theterms ofthe Swap Transaction and theSwap Collateral Account Priority ofPayments. Fortheavoidance ofdoubt, nofunds standing tothecredit
of the
Swap Collateral Account will be part of the Interest Available Funds (other than any Swap Collateral Account Surplus)0,00 (h) any Defaulted Call Repurchase Price paid bythe Seller tothe Issuer inrespect ofarepurchase ofaDefaulted Receivable pursuant tosection 2.2.9.3 ofthe Additional Information during the Determination Period immediately preceding such Payment Date in circumstances where the Principal Deficiency Ledger has been debited in respect of such Defaulted Receivable; and170,16 (i) any Swap Collateral Account Surplus. 0,00 (j) Others 0,01
Total 3.294.431,81
Interest Priority of Payments (Ref. Section 3.4.7.2.1 of the Additional Information)Due and not paid on the previous Payment DateDue on this Payment Date Paid Due and not paid on this Payment Date (1) first , FT Fees which are due on such Payment Date. 0,00 85.978,26 85.978,26 0,00 (2) second ,inortowards payment ofanyone-off and/or periodic amount due totheSwap Counterparty under theInterest Rate Swap Agreement, including, amongst others, payment oftheamount determined pursuant toSection (6)oftheInterest Rate Swap Agreement incase ofearly termination if(1)such amount ispayable bythe Issuer tothe Swap Counterparty, (2)the Swap Counterparty isnot aDefaulting Party (asthis term isdefined inthe Interest Rate Swap Agreement) and (3)there isnoavailable collateral deposited inthe Swap Collateral Account forsuch payment (once the collateral posted bythe substituted Swap Counterparty has been returned and the Issuer has received any Replacement Swap Premium from the replacement Swap Counterparty (if any)) (the “ Swap Senior Payments ”).0,00 8.883,86 8.883,86 0,00 (3) third , in or towards the payment of any interest due and payable on the Class A Notes; 0,00 511.897,20 511.897,20 0,00 (4) fourth ,inortowards credit totheClass ANotes Principal Deficiency Ledger until thebalance oftheClass ANotes Principal Deficiency Ledger has reached zero;0,00 0,00 0,00 0,00 (5) fifth , in or towards the payment of any interest (including Deferred Interest) due and payable on the Class B Notes; 0,00 47.286,05 47.286,05 0,00 (6) sixth ,inortowards credit totheClass BNotes Principal Deficiency Ledger until thebalance oftheClass BNotes Principal Deficiency Ledger has reached zero;0,00 0,00 0,00 0,00 (7) seventh , in or towards the payment of any interest (including Deferred Interest) due and payable on the Class C Notes; 0,00 40.474,20 40.474,20 0,00 (8) eighth ,inortowards credit totheClass CNotes Principal Deficiency Ledger until thebalance oftheClass CNotes Principal Deficiency Ledger has reached zero;0,00 0,00 0,00 0,00 (9) ninth , in or towards the payment of any interest (including Deferred Interest) due and payable on the Class D Notes; 0,00 63.048,46 63.048,46 0,00 (10) tenth ,inortowards credit totheClass DNotes Principal Deficiency Ledger until thebalance oftheClass DNotes Principal Deficiency Ledger has reached zero;0,00 0,00 0,00 0,00 (11) eleventh ,inortowards credit totheClass JNotes Principal Deficiency Ledger until thebalance oftheClass JNotes Principal Deficiency Ledger has reached zero;0,00 882.167,66 882.167,66 0,00 (12) twelfth ,inortowards credit tothe Cash Reserve Ledger oftheTransaction Account ofanamount equal totheshortfall between theamounts standing tothecredit oftheCash Reserve Ledger oftheTransaction Account and theCash Reserve Required Amount;0,00 0,00 0,00 0,00 (13) thirteenth ,inortowards payment ofany one-off and/or periodic amount determined pursuant totheInterest Rate Swap Agreement, including, amongst others, payment ofthe amount determined pursuant toSection (6)ofthe Interest Rate Swap Agreement incase ofearly termination if(1)itispayable bytheIssuer totheSwap Counterparty, (2)theSwap Counterparty isa Defaulting Party (asthis term isdefined intheInterest Rate Swap Agreement) and (3)there isnoavailable collateral deposited in theSwap Collateral Account forsuch payment (once thecollateral posted bythesubstituted Swap Counterparty hasbeen returned and theIssuer hasreceived anyReplacement Swap Premium from thereplacement Swap Counterparty (ifany)) (the “Swap Junior Payments ”); 0,00 0,00 0,00 0,00 (14) fourteenth in or towards the payment of any interest (including Deferred Interest) due and payable on the Class J Notes; 0,00 73.467,54 73.467,54 0,00 (15) fifteenth ,inortowards repayment ofprincipal ontheClass JNotes until thetotal amount repaid under this item (14) isequal to the Class J Notes Expenses Portion0,00 0,00 0,00 0,00 Rounding error 0,00 0,00 0,00 0,00 (16) sixteenth ,inortowards repayment ofprincipal ontheClass JNotes until thetotal repaid under this item (15) isequal tothe amount by which the Cash Reserve Required Amount as at the Incorporation Date exceeds the Cash Reserve Required Amount as at that Payment Date;0,00 0,00 0,00 0,00 (17) seventeenth , in or towards payment of the Seller’s Variable Remuneration. 0,00 1.581.228,58 1.581.228,58 0,00
Total 0,00 3.294.431,81 3.294.431,81 0,00PEPPER IBERIA CONSUMER 2024, FT
Settlement Period: 27/07/2026 - 25/08/2026 Payment Date: 25/08/2026
Principal Available Funds 882.167,66 (a) Principal Collections received during the Determination Period immediately preceding such Determination Date plusanyprincipal amounts oftheRepurchase Price paid bytheSeller, ifany, lessany amounts used forpurchases purposes made onorprior theDetermination Date plusanyUnapplied Amounts retained in the Transaction Account at the beginning of such Determination
Period0,00
(b) anyInterest Available Funds applied tocure anydebit entries pursuant toitems (4),(6),(8),(10) and (11) oftheInterest Priority ofPayments tobecredited tothePrincipal Deficiency Ledger inrespect ofsuch
Payment Date;882.167,66
(c) onthesixth Payment Date ,iftheamount standing tothecredit ofthePre-Funding Reserve Fund asat thatPayment Date isequal toorlessthan €500,000, allamounts standing tothecredit ofthePre-Funding
Reserve Fund;0,00
(d) onthePayment Date onwhich theClass DNotes aretoberedeemed infull,allamounts standing tothe credit oftheCash Reserve Fund after application inaccordance with item (c)ofthedefinition of“Interest
Available Funds”;0,00
(e) anyremaining Principal Available Funds setaside ontheimmediately preceding Payment Date pursuant to item (2)oftheRevolving Period Principal Priority ofPayments totheextent notapplied towards thepurchase of Transferred Receivables prior to the current Payment Date;0,00 (f) theamounts credited ortobecredited totheTransaction Account inrespect ofsection 4.4.3.2 ofthe Registration Document andsection 2.2.9 oftheAdditional Information during theDetermination Period immediately preceding such Payment Date (orinrespect ofaCallOption orClean-Up CallOption, onorprior tosuch Payment Date), other than anyDefaulted CallRepurchase Price paid bytheSeller totheIssuer in respect ofarepurchase ofaDefaulted Receivable incircumstances where thePrincipal Deficiency Ledger has been debited in respect of such Defaulted Receivable; and0,00 Principal Priority of Payments (Ref. Section 3.4.7.2.2 of the Additional Information)Due and not paid on the previous Payment DateDue on this Payment Date Paid Due and not paid on this Payment Date (1) first,inortowards application ofanamount equal totheRemaining Revenue Shortfall onthatPayment Date as Interest Available Funds; and0,00 0,00 0,00 0,00 (2) second ,theremaining Principal Available Funds applied inortowards retention intheTransaction Account forthepurposes ofmaking payment ofthePurchase Price oftheAdditional Receivables tobe purchased by the Fund on subsequent Purchase Dates prior to the immediately following Payment Date,0,00 882.167,66 882.167,66 0,00 and,totheextent thatIssuer (ortheManagement Company onitsbehalf) isinstructed bytheServicer tonot retain intheTransaction Account theamount setoutinparagraph (2)above, orthere isexcess Principal Available Funds following application of such paragraph, then the Principal Available Funds to be applied:0,00 0,00 0,00 0,00 (3) third, in or towards repayment of principal on the Class A Notes until redeemed in full; 0,00 0,00 0,00 0,00 (4) fourth , in or towards repayment of principal on the Class B Notes until redeemed in full; 0,00 0,00 0,00 0,00 (5) fifth, in or towards repayment of principal on the Class C Notes until redeemed in full; 0,00 0,00 0,00 0,00 (6) sixth, in or towards repayment of principal on the Class D Notes until redeemed in full; 0,00 0,00 0,00 0,00 (7) seventh , in or towards repayment of principal on the Class J Notes until redeemed in full. 0,00 0,00 0,00 0,00 Total 0,00 882.167,66 882.167,66 0,00
IMT/PEPPER IBERIA 2024, FT/Payment/Aug26
Cash Reserve Ledger Information Prior Cash Reserve Amount: Class A PDL Class B PDL 3.128.750,00 Prior PDL balance 0,00 Prior PDL balance 0,00 Cash Reserve Required Amount : +Increase / - Reduction 0,00 +Increase / - Reduction 0,00 3.128.750,00 Final PDL balance 0,00 Final PDL balance 0,00 Reduction Class C PDL Class D PDL 0,00 Prior PDL balance 0,00 Prior PDL balance 0,00 Final Cash Reserve Amount: +Increase / - Reduction 0,00 +Increase / - Reduction 0,00 3.128.750,00 Final PDL balance 0,00 Final PDL balance 0,00 Class J PDL Prior PDL balance 882.167,66 +Increase / - Reduction 882.167,66 Final PDL balance 0,00
ISIN Code ES0305839005 ES0305839013 ES0305839021 ES0305839039 ES0305839047
Accrual Period 27/07/2026 25/08/2026 27/07/2026 25/08/2026 27/07/2026 25/08/2026 27/07/2026 25/08/2026 27/07/2026 25/08/2026
Interest Rate
Spread
Current Coupon
Floor
TOTAL PER BOND TOTAL PER BOND TOTAL PER BOND TOTAL PER BOND TOTAL PER BOND
Original Principal Balance 204.000.000,00 100.000,00 16.700.000,00 100.000,00 13.000.000,00 100.000,00 16.600.000,00 100.000,00 15.300.000,00 100.000,00 Balance on the prior Payment Date 204.000.000,00 100.000,00 16.700.000,00 100.000,00 13.000.000,00 100.000,00 16.600.000,00 100.000,00 13.028.750,19 85.155,23 Principal Payment 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 Balance after this Payment Date 204.000.000,00 100.000,00 16.700.000,00 100.000,00 13.000.000,00 100.000,00 16.600.000,00 100.000,00 13.028.750,19 85.155,23 Current Factor 100,00% 100,00% 100,00% 100,00% 100,00% 100,00% 100,00% 100,00% 85,16% 85,16% Gross Interest due and not paid on the prior Payment Date 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 Gross Interest Accrued 511.897,20 250,93 47.286,05 283,15 40.474,20 311,34 63.048,46 379,81 73.467,54 480,18 Gross Interest Payment 511.897,20 250,93 47.286,05 283,15 40.474,20 311,34 63.048,46 379,81 73.467,54 480,18 Gross Interest due and not paid 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 Note: The Gross Interest of the Bonds could be subject or not to Withholding tax in accordance with current legislation.3,115% 3,515% 3,865% 4,715% 7,000% 0,000% 0,000% 0,000% 0,000% -2,215% 2,215% 2,215% 2,215% 7,000%
0,900% 1,300% 1,650% 2,500% -PEPPER IBERIA CONSUMER 2024, FT
Bond Payment Report Payment Date: 25/08/2026 Class A Class B Class C Class D Class J
Concept Amount
Income Payment
I. Principal 0,00 0,00 Notes Amortisations 0,00 II. Interest 3.294.431,81 745.057,31 Excess funds from the Class J Notes Expenses Portion 0,00 Interest Collections 3.281.025,54 Swap 0,00 8.883,86 Account Interest 13.236,10 Notes Interest 736.173,45
Others 0,01
Defaulted Call Repurchase Price paid by the Seller 170,16 III. Periodical Payments 85.978,26 IV. Seller’s Variable Remuneration. 1.581.228,58
TOTAL INCOME/ PAYMENT 3.294.431,81 2.412.264,15
Initial Cash Reserve 3.128.750,00 Cash reserve 25/08/2026 3.128.750,00
Purchases information
Initial Unnaplied Amounts 0,00 Initial Pre-Funding reserve 0,00 Initial Principal collection retained 1.167.942,33 Principal collection reported by the Servicer from last Calculation Date until the last Offer prior to Determination Date 19.506.881,08 Purchases from last Calculation Date until the last Offer prior to Determination
Date 20.673.576,35
Principal collection retained 882.167,66 Principal collection reported by the Servicer until the last Offer prior to Determination Date not used 1.247,06 Final Unnaplied Amounts 0,00 Final Pre Funding reserve 0,00
TOTAL 27.098.005,22 27.098.005,22
Tax Withholdings on 25/08/2026 139.872,96 Temporarily reinvested until 21/09/2026 139.872,96
IMT/PEPPER IBERIA 2024, FT/Cash Flow/Aug26PEPPER IBERIA CONSUMER 2024, FT
Cash Flow Period: 27/07/2026 - 25/08/2026