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BP11 ENG 10Tris
DISCLAIMER This document is strictly private, confidential and personal to its recipients and should not be copied, distributed or reproduced in whole or in part, nor passed to any third party. THIS DOCUMENT CONTAINS A FREE ENGLISH LANGUAGE CONVENIENCE TRANSLATION OF THE ITALIAN PROSPECTUS PREPARED IN THE ITALIAN LANGUAGE, PURSUANT TO AND IN COMPLIANCE WITH ITALIAN LAW, EXCLUSIVELY (THE “PROSPECTUS”) WHICH WAS FILED WITH THE COMMISSIONE NAZIONALE PER LE SOCIETÀ E PER LA BORSA (“CONSOB”) ON 14 JANUARY 2011 FOLLOWING NOTIFICATION OF THE APPROVAL BY THE CONSOB OF ITS PUBLICATION ON 12 JANUARY 2011, PROTOCOL NUMBER 11001922. THIS DOCUMENT IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE RELIED UPON. THIS IS NOT AN OFFERING CIRCULAR, INFORMATION MEMORANDUM OR ANY OTHER FORM OF OFFERING DOCUMENT. BANCO POPOLARE – SOCIETÀ COOPERATIVA (TOGETHER WITH THE COMPANIES OF THE ISSUER’S GROUP AND THEIR RESPECTIVE DIRECTORS, MEMBERS, OFFICERS, EMPLOYEES OR AFFILIATES, THE “ISSUER”) AND THE GUARANTORS (AS DEFINED IN SECTION TWO, CHAPTER V, PARAGRAPH 5.4.3, OF THE TRANSLATION), MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO THE FAIRNESS, ACCURACY, COMPLETENESS OR CORRECTNESS OF THIS ENGLISH TRANSLATION, AND NEITHER THE ISSUER NOR THE GUARANTORS ACCEPT ANY RESPONSIBILITY OR LIABILITY WHATSOEVER FOR ANY LOSS OR DAMAGE HOWEVER ARISING FROM ANY USE OF THIS TRANSLATION OR ITS CONTENTS OR ARISING IN CONNECTION WITH IT. THIS ENGLISH TRANSLATION OF THE PROSPECTUS IS NOT AN OFFICIAL TRANSLATION. THIS TRANSLATION IS FOR INFORMATION PURPOSES ONLY AND IS NOT A SUBSTITUTE FOR THE PROSPECTUS WHICH SHALL PREVAIL. THE ONLY OFFICIAL VERSION OF THE PROSPECTUS IS THE ITALIAN VERSION WHICH HAS BEEN APPROVED BY THE COMPETENT BODY OF THE ISSUER AND PREPARED AND PUBLISHED ACCORDING TO ITALIAN LAW. -
Gruppo Banca Popolare Italiana As at 31 December 2005
NOTICE OF SHAREHOLDERS' MEETING The Bank’s Shareholders are invited to attend the Extraordinary and Ordinary Meeting to be held at first call on April 28, 2006 at 9.30 am at the Bank's Head Office (Via Polenghi Lombardo 13, Lodi) and at second call on SATURDAY APRIL 29, 2006 at 9.30 am at the Bipitalia City Auditorium (Via Polenghi Lombardo 13, Lodi) to discuss the following agenda: Extraordinary part 1) Annulment of the resolutions made in the Extraordinary Shareholders' Meeting of June 2, 2005, in relation to items 3 and 4 on the agenda only, and annulment of the resolutions made in the Extraordinary Shareholders' Meeting of March 3, 2003, in relation to item 4 of the agenda only for the part not yet executed. Delegation of powers. 2) Motion to grant the Board of Directors the right to increase the share capital, on one or more occasions, within one year of the respective resolution, by a maximum amount (including premium) of €800,000,000.00 (eight hundred million), by issuing ordinary shares to be offered as an option to persons entitled, as well as the right to set, from time to time, the arrangements, terms and conditions of the operation, including the issue price (including any premium) of the shares and the dividend entitlement. Resulting amendment of Art. 5 of the Articles of Association. Delegation of powers. Ordinary Part 1) Examination of the Financial Statements for the year ended December 31, 2005, after hearing the reports of the Board of Directors and the Board of Statutory Auditors. -
ELENCO BANCHE ASSOCIATE Aggiornato Al 13 Maggio 2008
ELENCO BANCHE ASSOCIATE Aggiornato al 13 maggio 2008 1 BANCA ANTONVENETA 38 BANCA DI SCONTO E CONTO CORRENTE S.MARIA CAPUA VETERE 2 BANCA NAZIONALE DEL LAVORO 39 BANCA DI TRENTO E BOLZANO 3 BANCA SELLA HOLDING 40 BANCA DI VALLE CAMONICA 4 ICCREA BANCA 41 BANCA ESPERIA 5 INTESASANPAOLO 42 BANCA ETRURIA 6 MONTE DEI PASCHI DI SIENA 43 BANCA EUROMOBILIARE 7 UNICREDITO ITALIANO 44 BANCA FARNESE 8 ALLIANZ BANK FINANCIAL ADVISORS (Italia) S.p.A. 45 BANCA FIDEURAM 9 BANCA AGRICOLA E COMMERCIALE DI SAN MARINO 46 BANCA GENERALI 10 BANCA AGRICOLA MANTOVANA 47 BANCA IFIGEST 11 BANCA ALETTI 48 BANCA INTERMOBILIARE 12 BANCA ALPI MARITTIME CR. COOP. CARRU' 49 BANCA LEONARDO 13 BANCA ARDITI GALATI 50 BANCA LOMBARDA PRIVATE INVESTMENT 14 BANCA CARIGE 51 BANCA MEDIOLANUM 15 BANCA CARIME 52 BANCA MODENESE 16 BANCA CARIPE 53 BANCA MONTE PARMA 17 BANCA CESARE PONTI 54 BANCA NETWORK INVESTIMENTI 18 BANCA COOPERATIVA VALSABBINA 55 BANCA NUOVA 19 BANCA CR FIRENZE 56 BANCA PASSADORE 20 BANCA DEL FUCINO 57 BANCA PATRIMONI E INVESTIMENTI 21 BANCA DEL GOTTARDO 58 BANCA POPOLARE COMMERCIO E INDUSTRIA 22 BANCA DEL MONTE DI LUCCA 59 BANCA POPOLARE DEL LAZIO 23 BANCA DEL PIEMONTE 60 BANCA POPOLARE DEL MATERANO 24 BANCA DELLA RETE 61 BANCA POPOLARE DELL'ALTO ADIGE 25 BANCA DELLE MARCHE 62 BANCA POPOLARE DELL'EMILIA ROMAGNA 26 BANCA DI BERGAMO 63 BANCA POPOLARE DI ANCONA 27 BANCA DI BOLOGNA CR. COOP. 64 BANCA POPOLARE DI BARI 28 BANCA DI CAPRANICA E BASSANO ROMANO 65 BANCA POPOLARE DI BERGAMO 29 BANCA DI CIVIDALE 66 BANCA POPOLARE DI CREMA 30 BANCA DI CREDITO POPOLARE 67 BANCA POPOLARE DI CREMONA 31 BANCA DI IMOLA 68 BANCA POPOLARE DI INTRA 32 BANCA DI LEGNANO 69 BANCA POPOLARE DI LAJATICO 33 BANCA DI PALERMO 70 BANCA POPOLARE DI LANCIANO E SULMONA 34 BANCA DI PIACENZA 71 BANCA POPOLARE DI LODI 35 BANCA DI ROMAGNA 72 BANCA POPOLARE DI MANTOVA 36 BANCA DI ROMANO E S. -
Banco Popolare Società Cooperativa (Incorporated As a Cooperative Company with Limited Liability in the Republic of Italy) Banco Popolare Luxembourg S.A
BASE PROSPECTUS DATED 4 AUGUST 2010 Banco Popolare Società Cooperativa (incorporated as a cooperative company with limited liability in the Republic of Italy) Banco Popolare Luxembourg S.A. (incorporated as société anonyme with limited liability in the Grand Duchy of Luxembourg) €25,000,000,000 EMTN Programme A9-4.1.1 A9-4.1.2 Guaranteed (in the case of Notes issued by Banco Popolare Luxembourg S.A.) by Banco Popolare Società Cooperativa This Base Prospectus constitutes a base prospectus for the purpose of article 5.4 of Directive 2003/71/EC (the “Prospectus Directive”). Any Notes (as defined below) issued under the Programme on or after the date of this Base Prospectus are issued subject to the provisions described herein. Under this €25,000,000,000 EMTN Programme (the “Programme”), Banco Popolare Società Cooperativa (“Banco Popolare”) and Banco Popolare Luxembourg S.A. (“Banco Popolare Luxembourg”) (each an “Issuer” and, together, the “Issuers”), subject to compliance with all relevant laws, rules, regulations and directives, may from time to time issue notes (the “Notes”) denominated in any currency agreed between the Issuer and the relevant Dealer (as defined below). The Notes may be issued on a continuing basis to one or more of the Dealers named under “Subscription and Sale” and any additional Dealer appointed under the Programme from time to time, which appointment may be for a specific issue or on an ongoing basis (each a “Dealer” and together the “Dealers”). References in this document to the “relevant Dealer” shall, in the case of an issue of Notes being (or intended to be) subscribed by more than one Dealer, be to the lead manager of such issue and, in relation to an issue of Notes subscribed by the Dealer, be to such Dealer. -
On the Italian Exchange
FACTS 1998 FIGURES &on the Italian Exchange January FACTS November99 Update included &FIGURES FACTS 1998 FIGURES &on the Italian Exchange Writing and Paging: Borsa Italiana Spa, Research and Market Analysis Design: Graphicamente, MT Communications Editing: MT Communications Illustrations: Datanord Multimedia - DNM Print: Tiemme Tipografia © 1999 Borsa Italiana Spa All rights reserved Reproduction or adaptation - in total or in part - only with prior written permission of Borsa Italiana Spa Introduction ver the two year period 1997-98, there has been a gradual integration of the Italian economy at European level, with important results achieved as regards bringing Odown interest rates, stabilising exchange rates and considerably improving public sector accounts, helping to mitigate and in some cases eliminate the weaknesses in our eco- nomic system. The efforts and results produced, more than influencing the real economy, where growth was slower than that of our main partners, have had a positive effect on the financial market, and the stock market in particular, which during the period saw a high and continuous increase in capitalisation and share prices, to the point of exceeding the previous all time peaks estab- lished during the second half of the 1980’s. Completing a regulatory process - which from 1991 onwards led to the total reform of the insti- tutional structure of the stock market, its mode of operating and the type of participants -, the awareness of the growing integration of the financial markets guided the strategic decision to privatise the market management body. Through privatisation, which took place between September and December 1997, Borsa Italiana procured the tools it needed to develop the managed markets, achieve a suitable com- petitive position and face the challenges of globalisation. -
Elenco Banche Italiane Convenzionate Sofort
SOFORT: ELENCO BANCHE ITALIANE CONVENZIONATE SOFORT Banca Nazionale Del Lavoro (BNL) Banca Monte Dei Paschi Di Siena (MPS) Fineco Bank Banca Popolare Di Lodi Ubi Banca Banco Di Sicilia Ing Direct IW Bank Banco Popolare Webank Banca Popolare Di Milano (BPM) Banca Aletti Banca Alpi Marittime Credito Cooperativo Carru’ Banca Antonveneta Banca Area Pratese Credito Cooperativo Banca Carime Banca Cesare Ponti Banca Commercio E Industria Banca Cooperativa Valsabbina Banca Dei Sibillini Banca Del Centroveneto Banca Del Fucino Banca Del Monte Di Lucca Banca Del Monte e Cassa Di Risparmio Faenza Banca Del Piemonte Banca Del Sud Banca Di Caraglio E Della Riviera Dei Fiori Banca Di Credito Cooperativo Abruzzese Banca Di Credito Cooperativo Alto Friuli Banca Di Credito Cooperativo Del Basso Sebino Banca Di Credito Cooperativo Del Basso Veronese Banca Di Credito Cooperativo Del Cremonese Banca di Credito Cooperativo dell’Adda e del Cremasco Banca Di Credito Cooperativo Dell’alto Reno Banca Di Credito Cooperativo Di Busto Garolfo e Buguggiate Banca Di Credito Cooperativo Di Campobello Di Mazara Banca Di Credito Cooperativo Di Carate Brianza Banca Di Credito Cooperativo Di Caravaggio Banca Di Credito Cooperativo Di Cartura Banca Di Credito Cooperativo Di Carugate Banca Di Credito Cooperativo Di Casalgrasso E Del Carmagnolese Banca Di Credito Cooperativo Di Cesarolo Bibione Banca Di Credito Cooperativo Di Colobraro E Valsinni Banca Di Credito Cooperativo Di Fano Banca Di Credito Cooperativo Di Ostra E Morro D’alba Banca Di Credito Cooperativo Di Policoro -
Interim Report on Operations
Resoconto Intermedio di Gestione www.bancopopolare.it Interim report on operations a 3 1 s at 0 September 20 3 WorldReginfo - 26d367cc-820c-4fad-ab5d-547d458e13aa WorldReginfo - 26d367cc-820c-4fad-ab5d-547d458e13aa Interim report on operations as at 30 September 2013 WorldReginfo - 26d367cc-820c-4fad-ab5d-547d458e13aa Banco Popolare Società Cooperativa Registered office and General headquarters: Piazza Nogara, 2 - 37121 Verona Fully paid up share capital as at 30 September 2013: euro 4,294,149,652.83 Tax Code, VAT No. and Verona Companies’ Register Enrolment No. 03700430238 Member of the Interbank Deposit Guarantee Fund and the National Guarantee Fund Parent Company of the Banco Popolare Banking Group Enrolled in the register of Banking Groups 2 WorldReginfo - 26d367cc-820c-4fad-ab5d-547d458e13aa OFFICERS, DIRECTORS AND INDEPENDENT AUDITORS AS AT 30 SEPTEMBER 2013 Board of Directors Chairman Carlo Fratta Pasini (*) Deputy Chairman Guido Castellotti (*) Deputy Chairman Maurizio Comoli (*) Managing Director Pier Francesco Saviotti (*) Directors Alberto Bauli Angelo Benelli Pietro Buzzi Aldo Civaschi Vittorio Coda Giovanni Francesco Curioni Domenico De Angelis (*) Maurizio Faroni (*) Gianni Filippa Andrea Guidi Valter Lazzari Maurizio Marino Enrico Perotti Gian Luca Rana Claudio Rangoni Machiavelli Fabio Ravanelli Sandro Veronesi Tommaso Zanini Cristina Zucchetti (*) members of the Executive Committee Board of Statutory Auditors Chairman Pietro Manzonetto Standing Auditors Giuliano Buffelli Maurizio Calderini Gabriele Camillo Erba Alfonso Sonato Alternate Auditors Marco Bronzato Carlo Sella General Management General Manager Maurizio Faroni Joint General Manager Domenico De Angelis Ethics and Disciplinary Committee Standing members Aldo Bulgarelli Luciano Codini Giuseppe Germani Alternate members Matteo Bonetti Donato Vestita Manager responsible for preparing the Company’s financial reports Gianpietro Val Independent Auditors Reconta Ernst & Young S.p.A. -
BANCA POPOLARE DI CREMONA S.P.A. BANCA
Banca Popolare di Lodi S.c.a r.l. Documento di Offerta Pubblica di Acquisto Residuale ai sensi dell’art. 108, D.Lgs. 58/98 su azioni ordinarie BANCA POPOLARE DI CREMONA S.p.A. Offerente: BANCA POPOLARE DI LODI S.c.a r.l. Corrispettivo dell’Offerta: Euro 20,00 per azione in contanti Intermediari incaricati della raccolta delle adesioni: BANCA POPOLARE DI LODI S.c.a r.l. BANCA POPOLARE DI CREMONA S.p.A. _____________________________________________________ La presente proposta costituisce una offerta pubblica di acquisto residuale di complessive n. 1.741.511 azioni ordinarie di Banca Popolare di Cremona S.p.A., godimento 1°gennaio 2003, ai sensi dell’art. 108 del Decreto Legislativo n. 58 del 24 febbraio 1998. Corrispettivo per azione ordinaria: Euro 20,00. Tale corrispettivo è stato determinato dalla Consob con Delibera n. 14414 dell’11 febbraio 2004, ai sensi dell’art. 108 del Decreto Legislativo n. 58 del 24 febbraio 1998 e dell’art. 50 del Regolamento adottato con Delibera Consob del 14 maggio 1999 n. 11971, come successivamente modificato ed integrato. Durata del periodo di adesione: dal 22 marzo 2004 al 13 aprile 2004 estremi inclusi, dalle ore 8:15 alle ore 16:00, secondo quanto concordato con la Borsa Italiana S.p.A., salvo proroga. L’adempimento della pubblicazione del presente Documento di Offerta non comporta alcun giudizio della CONSOB sull’opportunità dell’adesione e sul merito dei dati e delle notizie contenute in tale documento. - INDICE - Premesse .........................................................................................................................................................3 Descrizione dell’Offerta ....................................................................................................................................3 (A) AVVERTENZE ..........................................................................................................................................4 1. Diritto di acquisto ai sensi dell’art. -
CONSOLIDATED HALF-YEAR REPORT AS at JUNE 30TH, 2008 Worldreginfo - 0C78b557-75F3-4231-81Dc-A9b635b924a6 Banco Popolare Società Cooperativa
CONSOLIDATED HALF-YEAR REPORT AS AT JUNE 30TH 2008 WorldReginfo - 0c78b557-75f3-4231-81dc-a9b635b924a6 WorldReginfo - 0c78b557-75f3-4231-81dc-a9b635b924a6 CONSOLIDATED HALF-YEAR REPORT AS AT JUNE 30TH, 2008 WorldReginfo - 0c78b557-75f3-4231-81dc-a9b635b924a6 Banco Popolare Società Cooperativa Registered and Head Offices: Piazza Nogara, 2 - 37121 Verona Share capital as at June 30th, 2008: euro 2,305,732,770 fully paid Tax code, VAT no. and registration no. in the Verona Enterprise Registry: 03700430238 Member of the Interbank Fund for Deposit Protection and of the National Guarantee Fund Parent company of the Banking Group Banco Popolare Registered in the Banking Groups Registry 2 WorldReginfo - 0c78b557-75f3-4231-81dc-a9b635b924a6 CORPORATE BOARDS, MANAGEMENT AND AUDITING COMPANY Supervisory Board Chairman Carlo Fratta Pasini Deputy Vice Chairman Dino Piero Giarda Vice Chairman Maurizio Comoli Directors Marco Boroli Giuliano Buffelli Guido Duccio Castellotti Costantino Coccoli Pietro Manzonetto Maurizio Marino Mario Minoja Gian Luca Rana Claudio Rangoni Machiavelli Fabio Ravanelli Alfonso Sonato Angelo Squintani Management Board Chairman Vittorio Coda Chief Executive Officer with Vice Chairman functions Fabio Innocenzi Directors Franco Baronio (*) Alfredo Cariello (*) Luigi Corsi Domenico De Angelis (*) Maurizio Di Maio (*) Enrico Fagioli Marzocchi (*) Maurizio Faroni (*) Massimo Alfonso Minolfi (*) Roberto Romanin Jacur (*) Executive directors Board of Advisors Standing Marco Cicogna Luciano Codini Giuseppe Bussi Alternate Aldo Bulgarelli Attilio Garbelli Corporate General Manger Massimo Alfonso Minolfi Retail General Manager Franco Baronio Manager in charge of preparing corporate financial reports Gianpietro Val Auditing company Reconta Ernst & Young S.p.A. 3 WorldReginfo - 0c78b557-75f3-4231-81dc-a9b635b924a6 The consolidated financial statements have been translated from those issued in Italy, from the Italian into English language solely for the convenience of international readers. -
Annual Report 2014 Annual Report 2014 2 ______
Annual report 2014 annual report 2014 2 ___________________________________________________________________________________________________________________________________________ Banco Popolare Società Cooperativa Registered office and General headquarters: Piazza Nogara, 2 - 37121 Verona Fully paid up share capital as at 31 December 2014: Euro 6,092,996,076.83 Tax Code, VAT No. and Verona Companies’ Register Enrolment No. 03700430238 Member of the Interbank Deposit Guarantee Fund and the National Guarantee Fund Parent Company of the Banco Popolare Banking Group Enrolled in the register of Banking Groups ___________________________________________________________________________________________________________________________________________ 3 OFFICERS, DIRECTORS AND INDEPENDENT AUDITORS AS AT 31 DECEMBER 2014 Board of Directors Chairman Carlo Fratta Pasini (*) Deputy Chairman Guido Castellotti (*) Deputy Chairman Maurizio Comoli (*) Managing Director Pier Francesco Saviotti (*) Directors Patrizia Codecasa Luigi Corsi Domenico De Angelis (*) Maurizio Faroni (*) Gianni Filippa Cristina Galeotti Andrea Guidi Valter Lazzari Maurizio Marino Daniela Montemerlo Giulio Pedrollo Enrico Perotti Claudio Rangoni Machiavelli Fabio Ravanelli Cecilia Rossignoli Sandro Veronesi Franco Zanetta Tommaso Zanini Cesare Zonca (*) Cristina Zucchetti (*) members of the Executive Committee Board of Statutory Auditors Chairman Pietro Manzonetto Standing Auditors Maurizio Calderini Gabriele Camillo Erba Claudia Rossi Alfonso Sonato Alternate Auditors Marco Bronzato -
Consolidated Interim Report
Consolidated interim report as at 30 June 2017 WorldReginfo - 5ddbc383-c956-4304-b81f-c3b780ed8928 WorldReginfo - 5ddbc383-c956-4304-b81f-c3b780ed8928 Consolidated interim report as at 30 June 2017 WorldReginfo - 5ddbc383-c956-4304-b81f-c3b780ed8928 2 ___________________________________________________________________________________________________________________________________________ Banco BPM S.p.A. Registered office: Piazza F. Meda, 4 - 20121 Milan Administrative headquarters: Piazza Nogara, 2 - 37121 Verona Fully paid up share capital as at 30 June 2017: euro 7,100,000,000.00 Tax Code, VAT No. and Milan Companies’ Register Enrolment No. 09722490969 Member of the Interbank Deposit Guarantee Fund and the National Guarantee Fund Parent Company of the Banco BPM Banking Group Enrolled in the Bank of Italy Register of Banks and the Register of Banking Groups WorldReginfo - 5ddbc383-c956-4304-b81f-c3b780ed8928 ___________________________________________________________________________________________________________________________________________ 3 OFFICERS, DIRECTORS AND INDEPENDENT AUDITORS AS AT 30 JUNE 2017 Board of Directors Chairman Carlo Fratta Pasini Acting Deputy Chairman Mauro Paoloni (*) Deputy Chairman Guido Castellotti (*) Deputy Chairman Maurizio Comoli (*) Managing Director Giuseppe Castagna (*) Directors Mario Anolli Michele Cerqua Rita Laura D’Ecclesia Carlo Frascarolo Paola Elisabetta Maria Galbiati Cristina Galeotti Marisa Golo Piero Sergio Lonardi (*) Giulio Pedrollo Fabio Ravanelli Pier Francesco Saviotti (*) Manuela -
Prospectus BANCO BPM SPA (Incorporated As a Joint Stock Company (Società Per Azioni) in the Republic of Italy)
Prospectus BANCO BPM S.P.A. (incorporated as a joint stock company (società per azioni) in the Republic of Italy) €10,000,000,000 Covered Bond Programme unconditionally and irrevocably guaranteed as to payments of interest and principal by BPM Covered Bond S.r.l. (incorporated as a limited liability company in the Republic of Italy) Except where specified otherwise, capitalised words and expressions in this Prospectus have the meaning given to them in the Section entitled "Glossary". Under this €10,000,000,000 covered bond programme (the "Programme"), Banco BPM S.p.A. ("Banco BPM" or the "Issuer" or the "Bank") may from time to time issue covered bonds (the "Covered Bonds") denominated in any currency agreed between the Issuer and the relevant Dealer(s). The maximum aggregate nominal amount of all Covered Bonds from time to time outstanding under the Programme will not exceed €10,000,000,000 (or its equivalent in other currencies calculated as described herein). The Covered Bonds constitute direct, unconditional, unsecured and unsubordinated obligations of the Issuer and will rank pari passu without preference among themselves and (save for any applicable statutory provisions) at least equally with all other present and future unsecured and unsubordinated obligations of the Issuer from time to time outstanding. In the event of a compulsory winding-up of the Issuer, any funds realised and payable to the Bondholders will be collected by the Guarantor on their behalf. BPM Covered Bond S.r.l. (the "Guarantor") has guaranteed payments of interest and principal under the Covered Bonds pursuant to a guarantee (the "Guarantee") which is backed by a pool of assets (the "Cover Pool") made up of a portfolio of residential and commercial mortgage loans assigned and to be assigned to the Guarantor by the Sellers (and/or, as the case may be, by any Additional Seller) and of other Eligible Assets and Substitution Assets.