Accounts and Cards for Professors, Researchers and Administration and Services Staff

1. Granting of the card subject to prior approval by the Bank. This card allows for deferred payment (revolving). Keep in mind that, if you choose a payment that is too low, your debt may last longer than expected, since the monthly payment will be used first of all to pay interest and commissions and in a lower amount to the repayment of the principal. Remember to use your credit card responsibly. The abusive use of financing implies a risk of over-indebtedness with long-term consequences that can affect your financial planning.

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

3. Representative example (as per the parameters demanded by the rules on regulation and control of advertising of banking services and products): NIR 18%. APR: 19.56%, calculated based on a drawdown of EUR 1,500 and an issuance and maintenance fee of EUR 0. Total amount owing, EUR 2,114.88, which will be repaid in 48 monthly instalments of EUR 44.06. However, please note that, pursuant to the minimum limits for the repayment instalments provided for in the agreement (3% of the drawn balance with a minimum of EUR 25) and considering the same drawdown, the total amount repayable will be EUR 1,835.19, to be repaid in 27 monthly instalments of EUR 67.97. Calculations made in accordance with the fixed-instalment repayment system.