Anexos:

 Exhibit “A”

At the Section 341 Meeting of Creditors held on October 8, 2026, Mr. Santandreu was asked if he had any employees, to which he replied in the negative. In this exhibit, we will prove that he lied under oath.

As Santandreu could delete these YouTube videos, we decided to make exact copies and publish them on our channel as "unlisted." The following videos prove one of two scenarios or possibilities:

1. That Mr. Santandreu *did* have employees and lied to the trustee.

2. Or that Mr. Santandreu did *not* have employees and the videos presented below were published with the intent of deceiving. If this were the case, it would follow that those who participated in them were “necessary accomplices” in the deception/fraud—including the alleged employees and his daughter, Melissa Santandreu, who appears in Video No. 2.

Video No. 1 – Shows Santandreu explaining the activities of OUR Microlending *to his employees*.

Video No. 2 – A promotional video featuring the person who is (or was) precisely the number two in command at OUR Microlending: Mr. Santandreu’s daughter (Melissa). It shows the number of employees—or alleged employees—of the company used to carry out the scam: OUR Microlending.

Exhibit “B”

At the Section 341 Meeting of Creditors held on October 8, 2026, Mr. Santandreu was questioned under oath whether he was planning on suing, had the right to sue, or had anyone owing money to his business; he answered in the negative, statement that was false!

In April of that same year, 2026, Santandreu’s company, OUR MicroLending, LLC, filed a lawsuit against Juan Francisco Ramírez and María Gabriela Vásquez to recover an outstanding debt exceeding $2.4 MILLION DOLLARS (Case No.: 2024-018930-CA-01, Miami-Dade County).

Exhibit “C”

At the Section 341 Meeting of Creditors held on October 8, 2026, Mr. Santandreu was questioned under oath whether he had transferred, spent, or received any assets or funds valued at one thousand dollars or more within the last two years; he answered negatively.

Less than two years ago, I received interest checks issued directly from his personal bank account, from his joint account with his wife, and from his holding company. This irrefutably proves that he deliberately lied to the Trustee.

These multiple payment structures from various accounts suggest a deliberate asset-shifting scheme, which may constitute bank fraud, tax evasion, and a clear attempt to defraud the bankruptcy estate.

It is important to note that several checks were issued from the joint checking account held with his wife. This strongly suggests her direct or indirect involvement in the fraudulent scheme allegedly operated by Mr. Santandreu.

Exhibit “D”

Due to a personal bond of friendship and trust with Mr. Santandreu, who was a close friend of my father-in-law and shared membership at the same social club in Venezuela, I entrusted him with nearly my entire inheritance. He promised high interest returns compared to those offered by Wells Fargo, where I held my funds. Having endured political exile and being advanced in years, I followed the advice of my brother-in-law (who is also a victim, having invested $70,000 in OUR MicroLending) and placed a major portion of my inheritance into the company of our "friend" Emilio.

When he defaulted on the interest payments, I repeatedly requested the physical delivery of my THREE INVESTMENT CERTIFICATES; however, he consistently deflected with excuses. Realizing the situation was deteriorating, I scheduled a meeting with him on March 7, 2026, at "Billy’s Tavern," located at 8580 W State Rd 84, Davie, FL 33324. Although he promised to bring the formal certificates, he arrived instead with a handwritten note in his own penmanship, detailing the three certificates, their principal amounts, and the corresponding interest rates.

During that meeting, he promised that by April 15, 2026, at the latest, he would cure all outstanding interest arrearages and return my entire principal investment. At that moment, he was already fully aware of his impending federal imprisonment. Below is the original handwritten document provided by Mr. Santandreu.

When the Trustee asked if he had any outstanding debts, he knew—at the very least—that my debt was pending. He needed no reminder, nor can he use his current incarceration in a federal prison as an excuse to justify his omissions during the Trustee's examination

Exhibit “E”

Furthermore, Mr. Santandreu committed another act of perjury, which I can definitively prove with the two IRS 1099 Forms he issued to me:

Once again, this clearly demonstrates how he lied under oath when he stated during the bankruptcy meeting that he had not issued any payments within the last two years

Exhibit “F”

Mr. Santandreu aggressively advertised across multiple media outlets, particularly on "Actualidad 1040 AM" in Miami, a prominent radio station widely followed by the Venezuelan diaspora. He utilized a highly prestigious Venezuelan broadcaster with extensive media reach, named Carlos Acosta, who essentially acted as his public relations agent. Through this platform, Santandreu engineered and promoted a deceptive corporate staging scheme ("trampa-jaula") operating under the name "Venezolanos de Bien."

Securing daily advertising space and recurring promotional segments on this premium Miami-based radio station is notoriously expensive. Despite the high costs, his alleged public relations director (Carlos Acosta) systematically promoted Santandreu and his business operations on a daily basis over a prolonged period.

Mr. Santandreu established this entity—likely consisting solely of himself and his promoter, Mr. Carlos Acosta—under the guise of an "organization" named "Venezolanos de Bien." Capitalizing on Mr. Acosta’s widespread credibility and influence among Venezuelan expatriates, especially those residing in South Florida, this structure served as a primary vehicle to aggressively solicit and target unsuspecting investors.

Furthermore, Mr. Santandreu was highly active across various media platforms, continuously projecting a calculated image of a highly successful entrepreneur. Below, he is featured in a promotional interview—which was almost certainly a paid broadcast—specifically designed to aggressively market himself and his fraudulent corporate staging scheme