Your iPhone 17e for €0/month¹ as a Factorial client

1. Leasing offered by Banco Santander. Monthly lease for the iPhone 17e 256 GB (without insurance): €20.99/month (including VAT). You will receive a net monthly cashback of € 20.99 (after applying the applicable tax withholding under current regulations; currently 19 %) for entering into a 36-month technology lease agreement, if you are a natural person and arrange: (i) for the first time, for your salary or pension to be paid directly into your account for an amount exceeding €1,200, or set up direct debits for your self-employment contributions or mutual fund payments; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service in effect with Banco Santander. You will receive a net monthly cashback of €27.99 (after applying the applicable tax withholding under current regulations; currently 19%) for entering into a 36-month technology lease agreement, if you are a natural person and arrange: (i) for the first time, for your salary or pension to be paid directly into your account for at least €3,000; (ii) then maintain this arrangement in effect along with two monthly direct debits of bills; (iii) carry out at least one monthly credit card transaction, or otherwise maintain a daily account balance of at least €1,000 throughout the month; and (iv) have an active Bizum service in effect with Banco Santander. Under no circumstances will the cashback amount exceed the amount of the lease payment. All conditions must be met and you must sign up to the promotion. Promotion valid until 30/10/2026. Leasing and credit card issuance subject to prior approval by the Bank. View the terms and conditions of the promotion at www.bancosantander.es. At the end of the lease, you may return the device, take out a new lease, or purchase it outright for: €141.60 (including VAT) for the iPhone 17e 256 GB. Leasing offers valid in mainland Spain, the Balearic Islands and the Canary Islands; not valid in Ceuta or Melilla.

2. APR 0% on the assumption that a daily balance of €7,000 is held constantly for 1 year, subject to an annual nominal interest rate of 0% and with an account maintenance fee of €0.

3. Card eligibility subject to the bank's prior approval. This card allows payments to be deferred. Bear in mind that if you choose a very low repayment instalment, your debt may remain outstanding for longer than expected since your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card responsibly. Abuse of financial services entails a risk of over-indebtedness with long-term consequences that may affect your financial planning.

4. Financing transactions subject to the bank’s prior approval.

5. Financing transactions subject to prior approval by Banco Santander. Mortgage loan secured on the property. For residential properties free of charges and encumbrances. Lender: Banco Santander, S.A.

6. Financing transaction subject to prior approval by the Bank. APR 2.04% calculated according to the French repayment system of fixed instalments for a loan of €6,000 repaid early in month 6. Total amount repayable €6,060, broken down into: €6,000 principal + €60 arrangement fee + €0 interest. A single instalment of €6,000 in month 6. Total cost of the loan: €60.

7. Financing transaction subject to prior approval by the Bank.

-From month 7, annual nominal interest rate 11% (APR 5.43%), calculated according to the French repayment system of fixed instalments for a loan of €1,200 over 12 months. Total amount repayable €1,250.80, broken down into: €1,200 principal + €12 arrangement fee + €38.80 interest. Monthly instalment during the first six months €0. Instalment from month 7 to month 12: €206.47. Total cost of the loan: €50.80. Early repayment fee: 1% if the period between the loan maturity date is greater than one year and 0.5% if this period is shorter than one year.

-From month 7, annual nominal interest rate 11% (APR 8.74%), calculated according to the French repayment system of fixed instalments for a loan of €12,000 over 36 months. Total amount repayable €13.900,09, broken down into: €12,000 principal + €120 arrangement fee + €1,780.09 interest. Monthly instalment during the first six months €0. Instalment from month 7 to month 36: €459.34. Total cost of the loan: €1,900.09. Early repayment fee: 1% if the period between the loan maturity date is greater than one year and 0.5% if this period is shorter than one year.

The product does not allow financing and debt restructuring. The APR may change depending on the term of the transaction and due to the existence of a percentage fee. Pursuant to prevailing EU legislation, you can request the European Standardised Information Sheet on loans from your branch. Please check the remaining terms and conditions with your branch.