Representative examples.

EAR of 6.0% for a funding example with a Variable Nominal Annual Interest Rate (TAN) of 5,095%, resulting from adding a spread of 1.20% to the Euribor index for 6 months of April 2024 (3,895%- average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 360 monthly installments of €542,64. The Total Amount attributed to the Consumer is €210.961,89.

EAR of 5.6%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 4,695%, resulting from the added spread of 0.80% to the Euribor index to 6 months of April 2024 (3,895% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €518,34. The Total Amount Attributed to the Consumer is €202.047,29.

Finance examples for €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €23.43.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

EAR of 5,8% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4,100% during the 2-year fixed rate period (2,900% fixed rate, April 2024 value, plus 1 .20%). In the remaining period, the Variable TAN is 5,095%, resulting from the addition of the spread of 1.20%, to the Euribor index for the 6 months of April 2024 (3,895% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €483.20 and 336 monthly installments of €539.52. The Total Amount Attributed to the Consumer is €208.441,54.

APR of 5.4%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 3.700% during the 2-year fixed rate period (fixed rate of 2.900%, value of April 2024, plus a spread of 0.80%). In the remaining period, the Variable TAN is 4,695%, resulting from the added spread of 0.80%, to the Euribor index for the 6 months of April 2024 (3,895% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €460,28 and 336 monthly installments of €515.19. The Total Amount Attributed to the Consumer is €199.549,35.

Funding examples of €100,000.00, for 30 years, for 2 joint account holders for a 30-year period, and funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Account Deposit; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €23.30.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

EAR of 5.3% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.400% over the 30-year fixed rate period (3.200% fixed rate, April 2024 value, plus spread 1.20%). 360 monthly installments of €500.76. The Total Amount Attributed to the Consumer is €195.600,78.

EAR of 4.0%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.000% during the 30-year fixed rate period (fixed rate of 3.200%, value of April 2024, plus a spread of 0.80%). 360 monthly installments of €477.42. The Total Amount Attributed to the Consumer is €187.029,67.

Examples of funding of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,419.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): 78,60€; Life Insurance (monthly average value): 22,65€.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5.9% for a funding example with a Variable Nominal Annual Rate (TAN) of 5.095%, which results from the added spread of 1.20% to the Euribor index for 6 months of  April 2024 (3,895% - average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 360 monthly installments of €542,64. The Total Amount Attributed to the Consumer is €210.055,75.

APR of 5.5%, considering the optional subscription of products/services*, for an example of financing with a Variable Nominal Annual Rate (TAN) of 4,695%, which results from the added spread of 0.80% to the Euribor index to 6 months of April 2024 (3,895% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €518,34. The Total Amount Attributed to the Consumer is €201.141,15.

Funding examples of €100,000.00, for a 30-year period, for 2 joint account holders, for 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of a loan for permanent home ownership. Commissions and Expenses at the beginning of the term: €1,484.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €23.43.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5.7% for a financing example with a Fixed Nominal Annual Rate (TAN) of 4.100% during the 2-year fixed rate period (2.9000% fixed rate, April 2024 value, plus spread of 1.20%). In the remaining period, the Variable TAN is 5,095%, resulting from the addition of the spread of 1.20%, to the Euribor index for the 6 months of April 2024 (3,901% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 24 monthly installments of €483,20 and 336 monthly installments of €539,52. The Total Amount Attributed to the Consumer is €207.535,40.

APR of 5.3%, considering the optional subscription of products/services*, for an example of financing with a Fixed Nominal Annual Rate (TAN) of 3,700% during the 2-year fixed rate period (fixed rate of 2.900%, value of April 2024, plus a spread of 0.80%). In the remaining period, the Variable TAN is 4,695%, resulting from the addition of the spread of 0.80%, to the Euribor index for the 6 months of April 2024 (3,895% - simple arithmetic average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €460,28€ and 336 monthly installments of €515,19. The Total Amount Attributed to the Consumer is €198.643,21.

Funding examples of €100,000.00, for a 30-year period, for 2 joint account holders, for 30 years, and finance/guarantee ratio of 80%, intended for the transfer of credit for permanent home ownership. Commissions and Expenses at the beginning of the term: €1,484.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €23.30.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5.2% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.400% over the 30-year fixed rate period (3.200% fixed rate, April 2024 value, plus a spread of 1.20%). 360 monthly installments of €500,76. The Total Amount Attributed to the Consumer is €194.694,64.

APR of 4.8%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.000% during the 30-year fixed rate period (fixed rate of 3.200%, value of April 2024, plus a spread of 0.80%). 360 monthly installments of €477,42. The Total Amount Attributed to the Consumer is €186.123,53.

Funding examples of €100,000.00, for 30 years, for 2 joint account holders, for 30 years, and a funding/guarantee ratio of 80%, intended for the transfer of loans for permanent home ownership. Commissions and Expenses at the beginning of the term: €1,484.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €78.60; Life Insurance (average monthly value): €22.65.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 6.0%, for a funding example with a Variable Nominal Annual Rate (TAN) of 5,195%, resulting from the added spread of 1.30%, to the Euribor index for 6 months of April 2024 (3,895% - average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €548,80. The Total Amount Attributed to the Consumer is €212.208,09.

APR of 5.6%, considering the optional subscription of products/services*, for an example with a Variable Nominal Annual Rate (TAN) of 4,795%, resulting from the added spread of 0.90%, to the Euribor index at 6 months of April 2024 (3,895% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €524,36. The Total Amount Attributed to the Consumer is €203.248,75.

Finance examples of €100,000.00, for 30 years, for 2 joint account holders, for 30 years of age, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €23.54.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5.8% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.200% during the 2-year fixed-rate period (2.900% fixed rate, April 2024 value, plus 1.30%). In the remaining period, the Variable TAN is 5,195%, resulting from the added spread of 1.30%, to the Euribor index for the 6 months of April 2024 (3.895% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €489,02 and 336 monthly installments of €546.69. The Total Amount Attributed to the Consumer is €209.681,60.

APR of 5.4%, considering the optional subscription of products/services*, for a funding example of financing with a Fixed Nominal Annual Rate (TAN) of 3.800% during the 2-year fixed-rate period (fixed rate of 2.900%, value of April 2024, plus a spread of 0.90%). In the remaining period, the Variable TAN is 4,795%, resulting from the addition of the spread of 0.90%, to the Euribor index for the 6 months of April 2024 (3.895% - simple arithmetic average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €465,96 and 336 monthly installments of €521,52. The Total Amount Attributed to the Consumer is €200.743,24.

Finance examples of €100,000.00, for 30 years, for 2 joint account holders of 30 years, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €23.41.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5.3% for a finance example with a Fixed Nominal Annual Rate (TAN) of 4.500% over a 30-year fixed-rate period (3.200% fixed-rate, April 2024 value, plus a spread of 1.30%). 360 monthly installments of €506,69. The Total Amount Attributed to the Consumer is €196.760,63.

APR of 4.9%, considering the optional subscription of products/services*, for an example of funding with a Fixed Nominal Annual Rate (TAN) of 4.100% during the 30-year fixed-rate period (fixed-rate of 3.200%, value of April 2024, plus a spread of 0.90%). 360 monthly installments of €483,20. The Total Amount Attributed to the Consumer is €188.142,75.

Funding examples of €100,000.00, for 30 years, for 2 joint account holders for 30 years, and funding/guarantee ratio of 100%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €62.88; Life Insurance (average monthly value): €22.76.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 6.0%, for a finance sample with a Variable Nominal Annual Rate (TAN) of 5.195%, which results from an added spread of 1.30%, to the Euribor index for 6 months of April 2024 (3.895% - simple arithmetic average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €548,80. The Total Amount Attributed to the Consumer is €212.416,89.

APR of 5.6%, considering the optional subscription of products/services*, for an example with a Variable Nominal Annual Rate (TAN) of 4,795%, resulting from the added spread of 0.90%, to the Euribor index at 6 months of April 2024 (3.895% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €524,36. The Total Amount Attributed to the Consumer is €203.457,55.

Funding examples of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €23.54.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5.8% for a funding example with a Fixed Nominal Annual Rate (TAN) of 4.200% during the 2-year fixed-rate period (2.900% fixed rate, April 2024 value, plus 1.30%). In the remaining period, the Variable TAN is 5,195%, resulting from the added spread of 1.30%, to the Euribor index for the 6 months of April 2024 (3.895% - simple arithmetic average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €489,02 and 336 monthly installments of €545,69. The Total Amount Attributed to the Consumer is €209.890,40.

APR of 5.4%, considering the optional subscription of products/services*, for an example of financing with a Fixed Nominal Annual Rate (TAN) of 3.800% during the 2-year fixed rate period (fixed rate of 2.900%, value of April 2024, plus a spread of 0.90%). In the remaining period, the Variable TAN is 4,795%, resulting from the addition of the spread of 0.90%, to the Euribor index for the 6 months of April 2024 (3.895% - average of the daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 24 monthly installments of €465,96 and 336 monthly installments of €521,22. The Total Amount Attributed to the Consumer is €200.952,04

Funding examples of €100,000.00, for a 30-year period, for 2 joint account holders for 30 years, and financing/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €23.41.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 5.3% for a financing example with a Fixed Nominal Annual Rate (TAN) of 4.500% over the 30-year fixed rate period (3,200% fixed rate, April 2024 value, plus spread of 1.30%). 360 monthly installments of €506,69. The Total Amount Attributed to the Consumer is €196.969,43.

APR of 4.9%, considering the optional subscription of products/services*, for a funding example of with a Fixed Nominal Annual Rate (TAN) of 4.100% during the 30-year fixed rate period (fixed rate of 3.200%, value of April 2024, plus a spread of 0.90%). 360 monthly installments of €483,20. The Total Amount Attributed to the Consumer is €188.351,55.

Examples of financing of €100,000.00, for 30 years, for 2 joint account holders for 30 years, and funding/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,879.09; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €69.84; Life Insurance (average monthly value): €22.76.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 12.9% for a funding example with a Variable Nominal Annual Rate (TAN) of 8.309%, which results from the addition of the spread of 4.70% (without mortgage guarantee), to the Euribor index for 12 months of April 2024 (3.718% - average of the daily Euribor 12-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 11 monthly installments of €72.49 and 1 installment of €10.070,15. The Total Amount Attributed to the Consumer is €11.193,50.

Funding example of €10,000, for 12 months, with a period of use of 11 months. Commissions and Expenses at the beginning of the term: €351.60; Commissions during the term (monthly): €0; Life Insurance: not mandatory.

APR of 6.6% for a funding example with a Variable Nominal Annual Rate (TAN) of 5,095%, resulting from the added spread of 1.20%, to the Euribor index for 6 months of April 2024 (3.895% - simple arithmetic average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 360 monthly installments of €277,62. The Total Amount Attributed to the Consumer is €111.966,55.

APR of 6.2%, considering the optional subscription of products/services*, for an example of funding with a Variable Nominal Annual Rate (TAN) of 4,695%, which results from the addition of the spread of 0.80%, to the Euribor index to 6 months of April 2024 (3.895% -  average of the daily Euribor 6-month quotations  of the previous month, on a 360-day basis rounded to the thousandth) - 360 monthly installments of 264,84. The Total Amount Attributed to the Consumer is €107.287,99.

Funding examples of €100,000.00 in Housing Credit and €50,000.00 in a Multipurpose Loan, both for 30 years, for 2 joint account holders for 30 years and a funding/guarantee ratio of 80%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €1,739.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €157.20 (only subscribing to multi-risk insurance for the property); Life Insurance (average monthly value): €11.83.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 7.5% for a funding example of funding with a Variable Nominal Annual Rate (TAN) of 6.095%, resulting from the added of spread of 2.20%, to the Euribor index for 6 months of April 2024 (3.895% - average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) – 360 monthly installments of €310,75. The Total Amount Attributed to the Consumer is €121.747,56.

APR of 7.1%, considering the optional subscription of products/services*, for an example of financing with a Variable Nominal Annual Rate (TAN) of  5,685%, resulting from the added spread of 1.80%, to the Euribor index to the 6th month of April 2024 (3.895% - average of daily Euribor 6-month quotations of the previous month, on a 360-day basis rounded to the nearest thousandth) - 360 monthly installments of €297,30. The Total Amount Attributed to the Consumer is €116.819,87.

Finance examples of €50,000.00 of a Multifunction Loan, for 30 years, for 2 joint account holders for 30 years and a funding/guarantee ratio of 80%. Commissions and Expenses at the beginning of the term: €1,739.73; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €39.24; Life Insurance (average monthly value): €12.40.

*These values assume an optional subscription to four of the following products/services: Salary Account; Credit Card with minimum use of €500/semester (maximum EAR of 18,6%) (1); PPCH Life Insurance (subscribed to Lusitania Vida Seguros) (2); Housing Coverage Insurance (subscribed with Lusitania Seguros) (2); Protection Insurance (subscribed to Lusitania Seguros and/or Lusitania Vida Seguros): vehicle, accident or health (2); Member of Montepio Mutualist Association.

APR of 3.6%, for an example of financing with a Variable Nominal Annual Rate (TAN) of 2.887% - 360 monthly installments of €560.94. The Total Amount Attributed to the Consumer is €220.048,00.

Funding example of €135,000.00, 30 years, for 2 joint account holders for 30 years, and funding/guarantee ratio of 90%, intended for the acquisition of permanent housing. Commissions and Expenses at the beginning of the term: €2,629.89; Commissions during the term (monthly): €5.41 commission for maintaining a Current Deposit Account; (annual): €18.20 commission for providing the Debit Card; Insurance premiums: Multi-risk (annual): €94.32; Life Insurance (average monthly value): €28.21.