Advertising. 1) Credit line offered by the hybrid payment entity CaixaBank Payments & Consumer, E. F. C., E. P., S. A. U., and subject to its authorization. The minimum amount you must apply for to take out the credit line is €500. This line of credit, with three payment methods, allows you to make a first transaction in instalments, in which you can choose a repayment term between 12 and 48 months, to transfer money to your account and, as you repay the amount, it allows you to reuse it in revolving mode by default, although you can modify this payment method of the reuse transactions you make and choose the “End of Month” mode, at any time, through your customer web space or app. Depending on the applicant's credit profile, the NIR and APR may vary. Representative example calculated for a drawdown of €1,500 (total amount of credit) in 12-month instalments: APR of 10.41%.NIR of 9.95% Total amount due: €1,582.06. Total cost of the credit (interest payment): €82.06. Amount of the monthly payments: 11 instalments of €131.84 and a final instalment of €131.82 (maximum APR).Representative example calculated for a drawdown of €1,500 (total amount of credit) in 12-month instalments: APR of 21.69%.19.80% NIR. Total amount owed: €1,665.70. Total cost of the credit (interest payment): €165.70. Amount of the monthly payments: 11 instalments of €138.81 and a final instalment of €138.79 (maximum APR). French repayment system. If you reuse your credit line, transfers from your credit line to your bank account have a minimum amount of €100. Choose your monthly instalment from the revolving payment method, with a minimum of €5, as long as this instalment is not less than the minimum monthly amount that we set to prevent your debt from extending over time. The conditions for this minimum payment are those set out in the European Standardised Information Sheet (ESIS) and the contract, and you will see it calculated in your website customer space or app, as well as in your monthly statement, depending on the amount drawn down. The revolving payment method consists of paying in instalments the full amount of credit used, with an associated interest rate of between 9.96% annual interest rate (APR 10.42%) and 19.20% annual interest rate (APR 20.99%). As you transfer credit to your bank account, the credit drawn down will increase, thereby increasing the repayment term and total interest. Any repayments will be added back to your available credit. You should bear in mind that when you reuse the available credit, if you have not yet paid the first instalment, you will have to repay two instalments, namely the one for the first instalment and the one for the following revolving instalment. Representative example calculated to repay the drawn down credit of €1,500 (total amount of credit) on a revolving basis over 48 months: AER of 10.42%. 9.96% NIR. Total amount owed: €1,824.48. Total cost of the credit (interest payment): €324.48. Amount of the monthly payments: 48 Instalments of €38.01 (minimum APR).Representative example calculated to repay the drawn down credit of €1,500 (total amount of credit) on a revolving basis over 48 months: APR of 20.99 %. NIR of 19.20 %. Total amount owed: €2,160.48. Total cost of the loan (interest payment): €660.48. Amount of the monthly payments: 48 Instalments of €45.01 (maximum APR). French repayment system. The foregoing assumes that you do not perform any new transactions that increase the credit line's outstanding balance and that the debt is formalised at the beginning of the period. Find out how our credit lines work here and about the revolving payment method here. 

2) Insurance policy from VidaCaixa, S.A.U. de Seguros y Reaseguros, with tax ID no. A-58333261 and SegurCaixa Adeslas, S.A. de Seguros y Reaseguros with tax ID no. A-28011864. Caixabank Payments & Consumer, E.F.C., E.P., S.A.U., will act as an intermediary when arranging the insurance policy, as an associate banking and insurance operator of VidaCaixa, S.A.U. de Seguros y Reaseguros, SegurCaixa Adeslas, S.A. de Seguros y Reaseguros and Metlife Europe D.A.C. Surcursal en España and which is listed in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds with number OV0077, as can be verified by consulting this body, at Paseo de la Castellana, 44, 28046 Madrid, Telephone: 91 339 70 00, www.dgsfp.mineco.es. CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U., has arranged with the insurance company Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A., with Tax ID No. A28013050, the relevant policy for professional civil liability to cover any responsibilities that may arise due to professional negligence, subject to the provisions of current legislation, and has sufficient financial capacity in accordance with current legislation.

3) The cards are issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. and are subject to its authorisation. The system chosen by the institution to protect payment service users' funds is to deposit them in a separate bank account opened with CaixaBank, S.A. RI44955