Ganador Loan¹

1. Financing operations subject to prior approval by the Bank. Ask for the credit agreement information sheet (INE) at your branch.
2. Conditions: (a) Have your salary or pension paid in (min. €700/month. If you are self-employed, it will be necessary to have a direct debit for social security payments set up. If this condition is not met, the NIR will be increased by 1% (b) Take out a Loan Protection Insurance, otherwise the NIR will be increased by 0.75%. See conditions and interest rates at your branch office, with your manager or by calling 915 123 123 or the specialized consumer loan service 910 503 440. Both conditions are independent of each other and will be reviewed annually.
3. Calculation of the APR for a loan signed on the last day of the month for an amount of € 12,000 for a term of 7 years and opening fee 2.25% financed:
· For a customer who meets payroll and insurance condition: TIN 6.85%; APR 9.65%. Opening fee financed: 285,10€. Total amount due € 16.345,56(€12,000 requested amount + €3.389,52 interest + €285.10 commissions + €670.94 loan protection insurance). Monthly repayment: 194,59€. Total cost of the loan: 4,345.56€.
· For a customer who meets payroll condition, but not insurance TIN 6.85% 1st year; TIN 7.60% rest years; APR 8.39%. Opening fee financed: €270. Total amount due €15,762.60 (€12,000 requested amount + €3,492.60 interest + €270 commissions) Monthly repayment: €184.29 for the first year; €188.21 after the first year. Total cost of the loan: €3,762.60.

· For a client who does not meet payroll condition, but insurance: TIN 6.85% 1st year; TIN 7.85% rest years; APR 10.45%. Opening fee financed: 285,10€. Total amount due €16,744.44 (€12,000 requested amount + €3,788.40 interest + €285.10 commissions + €670.94 loan protection insurance). Monthly repayment: €194.59 for the first year; €200.13 after the first year. Total cost of the loan: €4,744.44.
· For a customer who does not meet payroll or insurance status: TIN 6.85% 1st year; TIN 8.60% rest years; APR 9.16%. Opening fee financed: €270. Total amount due €16,144.92 (€12,000 requested amount + €3,874.92 interest + €270 commissions) Monthly repayment: €184.29 for the first year; €193.52 after the first year. Total cost of the loan: €4,144.92.
The APR will vary depending on the repayment period selected, due to a percentage arrangement fee. Calculations made using the French depreciation system. The total amount due includes the amount requested, commissions and interest, as well as, where appropriate, the single insurance premium financed by an amount of € 670.94 calculated for a person of 40 years.
If the transaction is signed on a day other than the last day of the month, a first installment of interest corresponding to the days between the day of signature and the last day of the month will be settled. No study commission. Early cancellation fee 1% if the cancellation period and the expiration date is greater than one year and 0.50% if said term does not exceed one year.

4. Insurance mediated by Santander Mediación Operador de Banca-Seguros Vinculado, S.A. (“Santander Mediación”), through its Banco Santander S.A. distribution network, by virtue of the agency contract it has signed with the insurance company Santander Seguros y Reaseguros Compañía Aseguradora, S.A. Santander Mediación is a company registered in the registry of the General Directorate of Insurance and Pension Funds under number OV-0042 and has taken out civil liability and financial capacity insurance in accordance with current legislation. Consult the rest of the insurance companies with which Santander Mediación has an Agency Contract for the distribution of insurance products at  www.santandermediacionobsv.com. Subject to the contractual conditions of the insurance policy.