Coldwell Banker Unique presents an exceptional home located in the Ibiza neighbourhood, just a stone's throw from the Retiro Park, within the only residential skyscraper in the area, designed by the prestigious architect Javier Carvajal. It is an emblematic building that proposes a different way of life, marked by height, abundant natural light, privacy and the feeling of having the city at your feet. Located on the tenth floor, this house has an area of 240 m² and has been designed for those who value spaciousness, comfort and a particularly functional layout. The property has three en-suite bedrooms, each designed to offer maximum comfort. The master bedroom enjoys open views of the Retiro and has a large custom-made dressing room. One of the en-suite bedrooms incorporates a bathroom with a freestanding bathtub and a large shower, creating a modern and very comfortable space. In addition, the house has a guest toilet. The kitchen is independent and stands out for its great luminosity thanks to two large windows. It is organised around a large central island and is equipped with Siemens appliances and an American fridge, as well as a practical separate laundry area. The living-dining room is spacious and cosy, ideal for both family life and social gatherings. From this space you can access a small terrace that provides natural ventilation and allows you to enjoy the height of the building, with unobstructed views of the Retiro Park and part of the Madrid skyline. The property offers a fluid layout, good standard finishes and a large storage capacity. There is the possibility of renting a garage space in the same building. The property has two independent accesses and four lifts, one of them with the main access for exclusive use of the house, which reinforces privacy and comfort. The building has a 24-hour concierge service, seven days a week, as well as a well-kept social area for meetings and private events. A unique opportunity to live in a unique piece of architecture, in a privileged location and with truly exceptional views. #ref:CBUQ1273

Evergreen Homes is a gated residential complex with 80 townhouses of 3 and 4 bedrooms. With a modern and functional design, it blends in with its natural surroundings. The south and southwest orientation of the houses allows you to enjoy the Mediterranean coast. 17 townhouses available. Discover the charm of Evergreen Homes, located in the heart of El Chaparral, a place that needs no introduction for residents of the Costa del Sol. Strategically located between La Cala de Mijas and Fuengirola, this cozy corner is closely linked to one of the most popular sports in the area: golf. Imagine living in a true green oasis in the heart of the Costa del Sol, where you can enjoy direct contact with nature and, at the same time, have access to a wide range of gastronomy and entertainment. Here, everything you need and much more is at your fingertips. The beach of El Chaparral, one of the largest in the municipality, is only 5 minutes away from the urbanization. This is the perfect place to enjoy water activities with family and friends, surrounded by beautiful coves and beach clubs. In Evergreen Homes' outdoor paradise, residents will enjoy beautifully landscaped spaces and a community pool. In addition, everyone will have access to the exclusive sports center, adjacent to the development, to practice paddle tennis, relax in the spa or maintain their exercise routine in the gym. The sports and leisure offer is perfectly complemented by the Chaparral Golf Club. Just a 5-minute walk away, future owners will enjoy its magnificent facilities: an 18-hole park-like golf course, a state-of-the-art practice area and a restaurant with breathtaking panoramic views. The south and southwest orientation of the homes at Evergreen Homes Mijas will offer you the opportunity to make the most of the natural light and enjoy the captivating marine environment of the Mediterranean coast. This development is characterized by the beauty and serenity that surrounds it. Most of the units have sea views. #ref:CBSH101

This luxurious renovated penthouse in Jardines Colgantes offers a unique opportunity to acquire a modern Mediterranean-style home in one of Marbella's most prestigious residential areas. Designed for discerning buyers who value both architectural quality and a peaceful lifestyle, this duplex penthouse combines contemporary sophistication with timeless elegance. Panoramic sea views and its privileged hillside location create the perfect setting for refined living in Marbella Hill Club, one of the most sought-after areas above the Golden Mile. Recently renovated, this two-level penthouse features four spacious bedrooms, each with its own en-suite bathroom. The interiors are defined by a modern design that emphasises clean lines, high-quality finishes, and a natural colour palette. At the heart of the home, an open-plan living area seamlessly integrates with a sleek Gaggenau kitchen, featuring noble wood cabinetry, polished marble countertops, and microcement details that achieve a balance between warmth and minimalism. The layout has been carefully designed to maximise both comfort and functionality, ensuring flow between spaces without compromising privacy. The master suite stands out as a private retreat filled with natural light, ideal for relaxing while enjoying views of the Mediterranean Sea and the iconic La Concha mountain. Two additional bedrooms, equally well-appointed, are perfect for guests or family, offering discretion and comfort. A guest bathroom and storage room add further convenience, enhancing the functionality of the home. A defining feature of this penthouse is its outdoor space. Expansive terraces offer multiple areas for relaxation and entertainment, from afternoon sunbathing to dining under the stars. Thanks to its privileged orientation, the terraces enjoy sunlight throughout the day, becoming a natural extension of the interior living spaces. The seamless transition between indoor and outdoor living reflects the essence of the Mediterranean lifestyle. The Colgantes penthouse is not only a home but also a lifestyle investment. The combination of modern design, panoramic views, and a prestigious location ensures long-term value for those seeking either a permanent residence or a luxury holiday home. Fully renovated with attention to every detail, it is ready to move into and designed to offer uncompromising comfort and elegance. The Jardines Colgantes development, also known as Marbella Hill Club, is defined by exclusivity, privacy, and low-density construction. Its wide tree-lined streets and meticulously maintained gardens create a peaceful environment, while the elevated position ensures security and breathtaking views. Properties in the area range from traditional Andalusian-style villas to contemporary residences, forming an elegant and diverse architectural landscape. Despite its tranquil and private setting, the location offers excellent connectivity. The beaches of the Golden Mile, such as Playa de Casablanca and Playa de Nagüeles, are just minutes away, while the world-class dining and nightlife of Puente Romano and Puerto Banús are a short drive away. Families benefit from proximity to prestigious schools such as Swans International School and Aloha College, both within 15 minutes. Shopping is also convenient, with La Cañada Shopping Centre and the luxury boutiques of the Golden Mile offering a wide variety of options. This luxurious penthouse offers the best of hillside living while keeping the Golden Mile and all its amenities within easy reach. For buyers seeking a residence that combines tranquillity, architectural excellence, and proximity to the coast, this property presents a unique opportunity to own something truly special on the Costa del Sol. #ref:CBSH1507

Located in the serene El Rosario Valley, this is a rare chance to create an exceptional residential project in the heart of one of Marbella East's most prestigious gated communities. With newly built roads, top-tier security, and expansive green surroundings, the area offers a perfect balance between privacy and accessibility. Just minutes away from the finest Mediterranean beaches, vibrant beach clubs, restaurants, and shopping areas, and only a one-minute drive from the renowned Royal Tennis Club, this location is truly unbeatable. The project consists of four individually designed villas, crafted by one of Marbella's most celebrated contemporary architects. Each villa is thoughtfully planned to enjoy spectacular views of the iconic La Concha mountain and panoramic sea views from the rooftop solarium terraces elevating everyday living into an experience of beauty and tranquility. The plots are sold with approved building licences, allowing immediate development. #ref:CBSH923

Located in El Tarter, in the heart of Grandvalira, this exclusive property represents a unique opportunity to enjoy the mountains with the highest level of comfort, privacy, and sophistication. Its privileged location, truly ski-in/ski-out, allows direct access to the ski domain without the need for transportation, making it an exceptional residence both for personal use and as a real estate investment.~~The property has been designed with a contemporary concept where architecture, technology, and well-being coexist in perfect harmony. The spacious, light-filled interiors, together with high-end finishes and advanced technical features, create an elegant and welcoming atmosphere in every season of the year.~~Designed to deliver a premium residential experience, it incorporates high-efficiency energy solutions and absolute comfort:~~Underfloor heating for a uniform and pleasant temperature throughout the home~Dual-flow mechanical ventilation system that purifies indoor air, improves air quality, and enhances rest~High-performance triple glazing for excellent thermal and acoustic insulation~Textile drying cabinet with hot air emission, specifically designed to dry and maintain ski equipment in perfect condition~Integrated home automation system that allows smart and effortless control of the property~~Every detail has been carefully selected to offer an exclusive experience, where understated luxury and functionality blend seamlessly with the natural high-mountain surroundings.~149.54 m2 apartment with a 17,33 m2 terrace included. It has three double bedrooms, one of them en suite, and a full bathroom. ~Included in the price: 1 parking space and 1 storage room #ref:05113/5210

Set within a prestigious gated community, this extraordinary 12-bedroom villa embodies a rare combination of grandeur, privacy, and refined Mediterranean elegance. The property offers nearly 1,000 sqm of exquisitely designed living space, surrounded by immaculately landscaped gardens and serene mountain views. The interiors blend contemporary luxury with timeless Andalusian charm, featuring light-filled rooms, expansive living areas, and sophisticated spaces designed for both relaxation and entertaining. Created for seamless indoor-outdoor living, the villa includes multiple dining terraces, a large swimming pool with sun deck, a poolside bar and gazebo, and a fully equipped Provençal-style kitchenperfect for hosting in style or enjoying quiet moments of leisure. This residence represents a distinguished opportunity to acquire a grand yet inviting Mediterranean estate, offering complete privacy and effortless elegance in one of the most sought-after enclaves of the Costa del Sol. #ref:CBSH1262

We present to you an exclusive project of 18 luxury homes located in one of the most prestigious and sought-after areas of Málaga. This residential complex consists of five stylish buildings, designed with top-quality finishes, and offers apartments with 1, 2, 3, and 4 bedrooms, all featuring exceptional amenities to provide maximum comfort and a refined lifestyle. Key Features: Two swimming pools with stunning panoramic views Social areas and rooftop terrace Fully equipped gym and a chill-out area 19 parking spaces with electric vehicle charging points Every detail has been thoughtfully curated to deliver an unmatched living experience, blending history, beach life, wellness, and excellent access to the city center. Just a short walk from the beach, and surrounded by essential day-to-day services supermarkets, schools, pharmacies, restaurants, and public transport this development is perfect for those seeking comfort, serenity, and top-tier quality of life by the sea. #ref:CBSH415

Spectacular Villa in Santa Apolonia with 1,648 m² Plot. Coldwell Banker Excellence exclusively presents this extraordinary detached villa in Santa Apolonia, one of the most exclusive urbanisations in Valencia. Located on a spectacular landscaped plot of 1,648 m² with unobstructed views, absolute privacy and large indoor and outdoor spaces. Surrounded by nature and built with noble materials and elegant stately architecture, this unique property offers spaciousness, tranquillity and an exceptional quality of life in a privileged environment. Highlights of the property: - 996 m² built over 4 floors - Private plot of 1,648 m² - 7 spacious bedrooms - 5 full bathrooms - Large living-dining room with fireplace and bar cabinet - Cosy living room with authentic Valencian tile - Kitchen with solid wood bar and gas fire - Bright interior courtyard covered with Valencian tile by Gimeno Ríos - Multiple terraces and elegant perimeter porch with exposed arcades - Study area or multipurpose room with private terrace - Huge open-plan basement with multiple possibilities - Private pool - Parking for up to 4 vehicles - Aviary and kennel - Marble floors - Renovated mobila wood carpentry - Doors and wardrobes covered in oak wood - Decorative windows with leaded stained glass windows - Natural gas with boiler heating - 4 air conditioners - Private urbanisation with surveillance and social club Living in Santa Apolonia means enjoying one of the most sought-after residential enclaves in Valencia, surrounded by nature and with an excellent connection to the city. The urbanisation offers private security, exclusivity and a quiet and familiar atmosphere, ideal for those who want to disconnect without giving up the proximity of all services. Its large green areas, privacy and consolidated surroundings make this location the perfect place to create a real home. Contact us and discover in person everything that this magnificent villa can offer you. The price does not include taxes or purchase and sale expenses to be paid by the buyer (ITP or, where applicable, VAT and AJD; notary and registry fees; real estate intermediation commission). Offer subject to change or withdrawal without notice; indicative data and surfaces. #ref:CBEX2642

This recently refurbished villa offers a serene blend of modern design and Andalusian character, just a 7-minute drive from Puerto Banús. Nestled in a peaceful residential area, the property is surrounded by a mature garden, providing a calm, natural atmosphere. Inside, the layout is open and airy, with a bright living and dining area that flows seamlessly onto the terrace and garden. Floor-to-ceiling windows fill the home with natural light, creating a warm and inviting environment. The outdoor space is perfect for both relaxation and entertaining, featuring a private swimming pool, jacuzzi, and a fully equipped gazebo. The lush garden offers tranquility, with only the gentle sounds of birds in the background. The villa comprises five en-suite bedrooms, including one with a hidden layout conceptideal for guests or private use. High-quality finishes and meticulous attention to detail are evident throughout the home. This property combines contemporary living with subtle local charm, set in a peaceful environment close to the coast. #ref:CBSH826

Welcome to paradise on the Catalan coast! This luxurious 650m2 residence, built with a pure, warm design and functional spaces, redefines the concept of coastal luxury. With 6 fully equipped bedrooms, 3 of them with balcony and sea views, this house offers a unique experience. As you step inside, you will be greeted by a spacious living room with an open-plan kitchen offering a pleasant ocean view, providing a 95m2 space of spaciousness and luminosity. The kitchen is equipped with the best of Poliform, an exclusive Italian brand that perfectly combines modernity, functionality, and elegance. The master suite is a luminous space that evokes purity and elegance, thanks to its high-quality finishes, achieving a perfect balance between cosiness and modernity. We cannot forget to mention the 2 guest bathrooms, which reflect our philosophy of elegance, luminosity, and comfort in every detail. For entertainment, this home features a games area and a home cinema. In addition, a fully equipped gym invites you to keep fit while enjoying the sea views. Relaxing areas include a spa, with an indoor pool and Jacuzzi. Infinity pool in the garden overlooking the sea, which seems to merge with the horizon. With a balanced layout, open spaces, epic windows, and a sophisticated design, this house has been conceived to be a reference in quality and design on the Catalan coast. Each space has been carefully designed to maximize lighting, airflow, and spaciousness, creating an oasis of luxury and comfort on the Mediterranean coast. #ref:CBES2888

We present this spectacular complex in an idyllic setting, with spectacular views of the sea and the Natural Park Los Reales de Sierra Bermeja. Located next to Estepona, one of the most important centers of the Costa del Sol, is just minutes from the beach and very close to the golf course Valle Romano Golf & Resort and the regional hospital of high resistance of Estepona. Only 20 minutes from Marbella, 45 minutes from Malaga Airport, it is perfectly communicated to other municipalities through the AP-7 and A-7 roads. The development consists of 115 homes of 1,2,3 and 4 bedrooms, penthouses, large terraces and sea views surrounding excellent common areas consisting of swimming pools, gym, co-working area, fitness and leisure areas, social club, children's play area and spacious green areas, gardens. All homes enjoy large windows connected to generous terraces, open kitchen furnished and equipped with oven, induction hob and extractor hood, air conditioning, a parking space and a storage room. This development is in a privileged area and has all kinds of services very close to it to facilitate the day to day, such as supermarkets, restaurants, public transport, schools, golf courses and hospital already mentioned. For more information please contact us. #ref:CBSH89

Designed and built by the renowned architectural firm Puroform, this five-bedroom contemporary villa epitomises sophistication, innovation, and privacy within the exclusive gated community of La Zagaleta one of Europe's most prestigious residential estates. Spanning 695 sqm of interior living space and 66 sqm of terraces, the villa is perfectly integrated into its serene natural surroundings, offering south-facing mountain views and seamless indoor-outdoor living just 20 minutes from Marbella and the coast. Upon entry through a bespoke glass-panelled door, a bright reception hall opens to a spacious living area with high ceilings and Roman Clavero floor-to-ceiling windows that frame views of the landscaped gardens and saltwater pool. The semi-open dining room connects directly to the outdoor terrace with an al fresco kitchen and dining areaideal for entertaining year-round. The Miele-equipped kitchen combines design and functionality, complemented by a breakfast nook. Three elegant en-suite bedrooms and a guest toilet complete this level, while the lower floor is dedicated to leisure and wellness, featuring a private cinema, massage room, gym, temperature-controlled wine cellar, and service quarters with two additional en-suite bedrooms and kitchenette. Every technical and design detail reflects precision, from the external machinery room for reduced noise to the Zennio smart home system controlling lighting, security, and climate. A two-car garage, automated irrigation, and 24/7 community security ensure comfort and peace of mind. Just minutes from essential services and top international schools, the villa offers proximity and privacy in perfect balance. Ownership in La Zagaleta grants access to two private golf courses, a luxury clubhouse, and equestrian facilities set within 900 hectares of natural reservean unparalleled combination of nature, elegance, and exclusivity. This residence is not only a home but a lifestyle investment, designed for those who value refinement, tranquility, and excellence. #ref:CBSH1228

Isla Bela is just a 4-minute drive from Playa del Duque or Playa de Nueva Andalucía, where you can enjoy the sea and the gentle Mediterranean breeze. In the area surrounding the residential complex there are magnificent viewpoints from which to enjoy the exclusive views of the area. In addition, for lovers of nature, trekking or climbing, you can enjoy the magnificent Sierra de las Nieves National Park, a unique enclave where you can have unforgettable experiences. Isla Bela is in an ideal location with all the day-to- day services nearby: several restaurants, two large markets, local shops, a pharmacy, the Marbella Arena shopping centre, the Nao Pool Club and the Casino. In addition, it has several bus stations nearby, and is perfectly connected by car to Marbella, just 15 minutes from the historic centre and 40 minutes from Malaga airport. Isla Bela is a unique architectural project, designed as a natural valley surrounded by exclusive terraced houses, which rise up on rooftops to enjoy the most privileged views. Inspired by the concept of the Andalusian patio, it seeks to allow natural light to illuminate each home, generating a unique environment that harmonises nature with innovative architectural design. The residential complex has exclusive amenities for the care of body and mind: a gym, spa and indoor swimming pool, outdoor sports area, coworking area, social club, cinema and children's area. A whole range of top-quality residential services to enjoy a comfortable and relaxed life without having to leave the development. Isla Bela is designed as a natural universe surrounded by comfortable and exclusive homes. At the heart of the residential area, its outdoor spaces have been carefully landscaped. Native species coexist with beautiful flowers and palm trees, highlighting the natural beauty of the environment and guaranteeing the sustainability and durability of its green spaces. #ref:CBSH185_Q

We present this new construction located in the middle of the vibrant center of Benalmadena and next to its picturesque harbor, Marina Golden Bay offers the perfect blend of city and luxury by the sea. Located between the towns of Torremolinos and Fuengirola, Benalmadena is only 15 minutes from Malaga airport and is connected to all major areas and attractions. Rich in attractive beaches, numerous entertainment options and an impressive marina, Benalmadena is one of the most sought-after destinations on the Costa del Sol. Inspired by the shape of a ship docked in the harbor radiating grandeur, Marina Golden Bay will house 33 luxurious one, two and three-bedroom apartments. Its undulating façade is reminiscent of the waves and allows the configuration of terraces open to the sea, bathed by the sea breeze. A place where elegance merges with the horizon. There are currently 9 apartments available. Our luxury apartments have been meticulously designed to offer you a modern and comfortable lifestyle. With spacious and bright interiors, with high quality finishes, each room will be an elegant and welcoming space. Marina Golden Bay will be the perfect place to unwind and enjoy moments of tranquility. Delight yourself with the contrast of colors offered by its gardens, relax on the sun loungers by the pool, while sunbathing and feel the worries fade away. #ref:CBSH116

Situated in the immediate vicinity of Finca Cortesin Resort, Marea, interiors by Missoni, is designed around the Costa Del Sol's breathtaking landscape, the mesmerizing Mediterranean Sea, and a world-class golf course. An upscale residential community at Finca Cortesin, offering a harmonious blend of refined living within the pristine landscapes of Costa del Sol. This exclusive gated community offers 2-, 3- and 4-bedroom residences, features a private entrance and 24/7 premium security services, to guarantee the highest standard in terms of security and privacy. Minimalist approach, simplicity and purity of lines, this is the idea behind the Contemporary Mediterranean Style. Modern elements and natural materials create a warm, inviting atmosphere complemented by soft, warm and natural lighting. Marea, interiors by Missoni, offers breathtaking views of the entire Costa del Sol coastline, stretching from Marbella all the way to Gibraltar. At the core of the community is where connections sparkle and new ideas are born. Here are a majestic pool deck to unwind, indoor and outdoor kids areas, and a modern fitness center for residents' well-being. With its palm-studded patios and perfumed Mediterranean gardens, Finca Cortesin offers a lavish spa, four pools, tennis facilities, a grand beach club, and exquisite dining featuring a Michelin Star restaurant. #ref:CBSH163

New exclusive development featuring 48 two- and three-bedroom apartments and penthouses within walking distance of the beach and local amenities in the beautiful Arroyo Enmedio area of Estepona on the Costa del Sol. Designed by renowned architect Pablo Villarroel, these modern homes feature bright and spacious interiors, with large windows that fill the rooms with natural light. The open-plan living areas flow seamlessly into the fully fitted kitchens. The master bedrooms have en-suite bathrooms, while the secondary bedrooms share a family bathroom. The apartments offer privacy and peace, surrounded by nature. The ground-floor apartments have private, sunny gardens, while the middle-floor apartments and penthouses feature spacious terraces with stunning views of nature and the Mediterranean Sea. The communal areas include a large swimming pool and tropical gardens. This exclusive development is located on Estepona's New Golden Mile, in the Arroyo Enmedio area, a sought-after area with many amenities and facilities. Schools, sports facilities, a shopping area, and the beach are easily accessible on foot. Golf lovers will be spoiled for choice with several courses in the surrounding area, including renowned options such as Estepona Golf, Azata Golf, and Valle Romano Golf. Marbella and Sotogrande are just a 20-minute drive away. Malaga Airport is easily reached via the A7 motorway in just 60 minutes by car. Gibraltar Airport is also nearby, a 40-minute drive away. #ref:CBSH228

Located in the hills of Palo Alto, just a short distance from Marbella's city center, this exclusive gated residential complex features state-of-the-art villas designed for luxury living. Surrounded by breathtaking nature and offering spectacular views of the valley and the Mediterranean Sea, the development is a unique concept that prioritizes services, security, and quality of life. It is thoughtfully designed with well-being and comfort at its core. The collection of private villas is beautifully integrated into the surrounding landscape, offering customization and flexibility to meet the needs and desires of each resident. There are four stunning design options: Monet, Van Gogh, Klimt, and Pollock. These 33 villas offer more than 800 square meters of built space, four or five en-suite bedrooms, high ceilings, landscaped gardens, and private pools on plots ranging from 1,000 m² to 1,400 m². Architecturally harmonious, they feature the highest quality materials and the latest trends in design and technology. This development offers residents the unique privilege of resort-style living just five minutes from Marbella. At the heart of the community is the Owners' Club, an exclusive facility for residents only. It features a gourmet restaurant, elegant lounges, and a luxurious spa with indoor pool, sauna, hammam, and a selection of beauty treatments. Additionally, there is a high-end gym with both indoor and outdoor workout areas, designed with meticulous attention to detail for fitness enthusiasts. #ref:CBSH403_B

Located in a privileged environment of Vallvidrera, in the middle of nature and with open views of the Collserola Natural Park, this property offers an excellent opportunity for both investors and those looking for a residential project with great potential. A single-family home and an adjoining plot of land are marketed together, which allows immediate use to be combined with a future development or extension. The existing house has approximately 158 m² built, distributed over three floors on a plot of about 247 m². It has three bedrooms (one double and two singles), a full bathroom and a toilet, as well as a cosy living-dining room with fireplace and separate kitchen. On the upper floor, the attic offers an open-plan space with multiple possibilities of use. The property is completed with terraces and a pleasant garden of approximately 250 m², ideal for enjoying the natural surroundings and views. Currently, the property is rented until April 2029, which guarantees a return in the medium term. Next to the house there is an adjoining plot of 452 m², with approximately 424 m² of buildable space, which represents an important added value. With an urban planning qualification of 20a/10, it allows the construction of a detached single-family house with a ground floor plus two floors, with a maximum height of 9.15 metres, a buildable area of 75% and a maximum occupancy per floor of 30%. The configuration of the land makes it possible to design a house of about 220 m² distributed over three levels, taking advantage of the slope to maximise luminosity and views. The location stands out for its balance between tranquillity and connection, just a 12-minute walk from the Vallvidrera Funicular, with easy access to the centre of Barcelona, the Ronda de Dalt and the airport. It is an area highly valued by those who seek quality of life in a natural environment without giving up urban services. Overall, this property represents a unique opportunity to acquire a home with immediate profitability and, simultaneously, develop a new residential project in one of the most exclusive areas of Barcelona. Conditions: The sale price does not include taxes or expenses derived from the sale, which correspond to the buyer according to current regulations (ITP, VAT and AJD, as the case may be), as well as notary fees, registry fees and possible management expenses. The areas indicated are approximate and indicative. Offer may be subject to change or withdrawal without notice. Detailed information will be provided before formalising any operation or payment of amounts on account. #ref:CB4440LL