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Securitization

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INFORMATION SHEET

MAY 2005

MORTGAGE SECURITISATION FUND UCI 12
MORTGAGE SECURITISATION BONDS
900.000.000 Euros

CLASS A 867.200.000 Euros. EURIBOR 3M + 0,15%
CLASS B 9.000.000 Euros. EURIBOR 3M + 0,27%
CLASS C 23.800.000 Euros. EURIBOR 3M + 0,60%

SUPPORTED BY MORTGAGE PARTICIPATIONS ASSIGNED BY

UNIÓN DE CRÉDITOS INMOBILIARIOS,
ESTABLECIMIENTO FINANCIERO DE CRÉDITO

CO-LEAD MANAGERS

SANTANDER CENTRAL HISPANO AND BNP PARIBAS.

Underwriter Domestic Tranche

Underwriter International Tranche

PAYING AGENT

Full promoted and managed by:

SANTANDER DE TITULIZACIÓN,
S.G.F.T., S.A.

The spanish prospectus "Folleto" was registered by the C.N.M.V. on May 2005

REVISION RATING