Representative examples.

EAR of 4,8% for a funding example with a Variable Nominal Annual Interest Rate (TAN) of 3,988%, resulting from adding a spread of 1.20% to the Euribor index for 6 months of December 2024 (2,788%- 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 €476,72. The Total Amount attributed to the Consumer is €185.929,91.

Finance example 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): €19,54.

EAR of 4,4%, considering the optional subscription of products/services*, for a funding example with a Variable Nominal Annual Rate (TAN) of 3,588%, resulting from the added spread of 0.80% to the Euribor index to 6 months of December 2024 (2,788% - 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 €453,97. The Total Amount Attributed to the Consumer is €177.572,05.

Finance example 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): €19,08.

*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 4,7% for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,700% during the 2-year fixed rate period (2,500% fixed rate, December 2024 value, plus 1 .20%). In the remaining period, the Variable TAN is 3,988%, resulting from the addition of the spread of 1.20%, to the Euribor index for the 6 months of December 2024 (2,788% - 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 €475,84. The Total Amount Attributed to the Consumer is €185.226,62.

Funding example 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): €19,51.

APR of 4,3%, considering the optional subscription of products/services*, for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,300% during the 2-year fixed rate period (fixed rate of 2,500%, value of December 2024, plus a spread of 0.80%). In the remaining period, the Variable TAN is 3,588% resulting from the added spread of 0.80%, to the Euribor index for the 6 months of December 2024 (2,788% - 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 €437,96 and 336 monthly installments of €453,09. The Total Amount Attributed to the Consumer is €176.876,53.

Funding example 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): €19,05.

*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 5,2% 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, December 2024 value, plus spread 1.20%). 360 monthly installments of €500,76. The Total Amount Attributed to the Consumer is €194.753,33.

Example 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): 20,02€.

EAR 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 December 2024, plus a spread of 0.80%). 360 monthly installments of €477,42. The Total Amount Attributed to the Consumer is €186.180,53.

Example 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): 19,56€.

*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 4,6% for a funding example with a Variable Nominal Annual Rate (TAN) of 3,988%, which results from the added spread of 1.20% to the Euribor index for 6 months of December 2024 (2,788% - 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 €476,72. The Total Amount Attributed to the Consumer is €184.256,36.

Funding example 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: €746,33; 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): €19,54.

APR of 4,2%, considering the optional subscription of products/services*, for an example of financing with a Variable Nominal Annual Rate (TAN) of 3,588%, which results from the added spread of 0.80% to the Euribor index to 6 months of December 2024 (2,788% - 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 €453,97. The Total Amount Attributed to the Consumer is €175.898,50.

Funding example 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: €746,33; 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): €19,08.

*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 4,6% for a financing example with a Fixed Nominal Annual Rate (TAN) of 3,700% during the 2-year fixed rate period (2,500% fixed rate, December 2024 value, plus spread of 1.20%). In the remaining period, the Variable TAN is 3,988%, resulting from the addition of the spread of 1.20%, to the Euribor index for the 6 months of December 2024 (2,788% - 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 €475,84. The Total Amount Attributed to the Consumer is €185.553,07.

Funding example 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: €746,33; 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): €19,51.

APR of 4,2%, considering the optional subscription of products/services*, for an example of financing with a Fixed Nominal Annual Rate (TAN) of 3,300% during the 2-year fixed rate period (fixed rate of 2,500%, value of December 2024, plus a spread of 0.80%). In the remaining period, the Variable TAN is 3,588% resulting from the addition of the spread of 0.80%, to the Euribor index for the 6 months of December 2024 (2,788% - 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 €437,96€ and 336 monthly installments of €453,09. The Total Amount Attributed to the Consumer is €175.202,98.

Funding example 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: €746,33; 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): €19,05.

*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 5,0% 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, December 2024 value, plus a spread of 1.20%). 360 monthly installments of €500,76. The Total Amount Attributed to the Consumer is €193.079,78.

Funding example 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: €746,33; 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): €20,02.

APR of 4,6%, 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 December 2024, plus a spread of 0.80%). 360 monthly installments of €477,42. The Total Amount Attributed to the Consumer is €184.506,98.

Funding example 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: €746,33; 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): €19,56.

*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 4,8%, for a funding example with a Variable Nominal Annual Rate (TAN) of 4,088%, resulting from the added spread of 1.30%, to the Euribor index for 6 months of December 2024 (2,788% - 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 €482,50. The Total Amount Attributed to the Consumer is €187.040,60.

Finance example 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): €19,66.

APR of 4,4%, considering the optional subscription of products/services*, for an example with a Variable Nominal Annual Rate (TAN) of 3,688%, resulting from the added spread of 0.90%, to the Euribor index at 6 months of December 2024 (2,788% - 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 €459,60. The Total Amount Attributed to the Consumer is €178.631,55.

Finance example 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): €19,20.

*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 4,8% for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,800% during the 2-year fixed-rate period (2,500% fixed rate, December 2024 value, plus 1.30%). In the remaining period, the Variable TAN is 4,088% resulting from the added spread of 1.30%, to the Euribor index for the 6 months of December 2024 (2,788% - 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 €481,62. The Total Amount Attributed to the Consumer is €186.335,49.

Finance example 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): €19,62.

APR of 4,4%, considering the optional subscription of products/services*, for a funding example of financing with a Fixed Nominal Annual Rate (TAN) of 3,400% during the 2-year fixed-rate period (fixed rate of 2,500%, value of December 2024, plus a spread of 0.90%). In the remaining period, the Variable TAN is 3,688% resulting from the addition of the spread of 0.90%, to the Euribor index for the 6 months of December 2024 (2,788% - 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 €443,48 and 336 monthly installments of €458,72. The Total Amount Attributed to the Consumer is €177.933,95.

Finance example 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): €19,16.

*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 finance example with a Fixed Nominal Annual Rate (TAN) of 4.500% over a 30-year fixed-rate period (3.200% fixed-rate, December 2024 value, plus a spread of 1.30%). 360 monthly installments of €506,69. The Total Amount Attributed to the Consumer is €195.913,00.

Funding example 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): €20,13.

APR of 4,8%, 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 December 2024, plus a spread of 0.90%). 360 monthly installments of €483,20. The Total Amount Attributed to the Consumer is €187.294,24.

Funding example 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): €19,67.

*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 4,8%, for a finance sample with a Variable Nominal Annual Rate (TAN) of 4,088%, which results from an added spread of 1.30%, to the Euribor index for 6 months of December 2024 (2,788% - 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 €482,50. The Total Amount Attributed to the Consumer is €187.249,40.

Funding example 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): €19,66.

APR of 4,4%, considering the optional subscription of products/services*, for an example with a Variable Nominal Annual Rate (TAN) of 3,688%, resulting from the added spread of 0.90%, to the Euribor index at 6 months of December 2024 (2,788% - 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 €459,60. The Total Amount Attributed to the Consumer is €178.840,35.

Funding example 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): €19,20.

*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 4,8% for a funding example with a Fixed Nominal Annual Rate (TAN) of 3,800% during the 2-year fixed-rate period (2,500% fixed rate, December 2024 value, plus 1.30%). In the remaining period, the Variable TAN is 4,088% resulting from the added spread of 1.30%, to the Euribor index for the 6 months of December 2024 (2,788% - 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 €481,62. The Total Amount Attributed to the Consumer is €186.544,29.

Funding example 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): €19,62.

APR of 4,4%, considering the optional subscription of products/services*, for an example of financing with a Fixed Nominal Annual Rate (TAN) of 3,400% during the 2-year fixed rate period (fixed rate of 2,500%, value of December 2024, plus a spread of 0.90%). In the remaining period, the Variable TAN is 3,688%, resulting from the addition of the spread of 0.90%, to the Euribor index for the 6 months of December 2024 (2,788% - 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 €443,48 and 336 monthly installments of €458,72. The Total Amount Attributed to the Consumer is €178.142,75.

Funding example 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): €19,16.

*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 financing example with a Fixed Nominal Annual Rate (TAN) of 4.500% over the 30-year fixed rate period (3,200% fixed rate, December 2024 value, plus spread of 1.30%). 360 monthly installments of €506,69. The Total Amount Attributed to the Consumer is €196.121,80.

Example 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): €20,13.

APR of 4,8%, 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 December 2024, plus a spread of 0.90%). 360 monthly installments of €483,20. The Total Amount Attributed to the Consumer is €187.503,04.

Example 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): €19,67.

*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 11,5% for a funding example with a Variable Nominal Annual Rate (TAN) of 7,206%, which results from the addition of the spread of 4.70% (without mortgage guarantee), to the Euribor index for 12 months of December 2024 (2,506% - 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 €62,05 and 1 installment of €10.060,05. The Total Amount Attributed to the Consumer is €11.070,60.

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 5,5% for a funding example with a Variable Nominal Annual Rate (TAN) of 3,988% resulting from the added spread of 1.20%, to the Euribor index for 6 months of December 2024 (2,788% - 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 €242,98. The Total Amount Attributed to the Consumer is €99.973,53.

Funding example 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): €9,86.

APR of 5,1%, considering the optional subscription of products/services*, for an example of funding with a Variable Nominal Annual Rate (TAN) of 3,588%, which results from the addition of the spread of 0.80%, to the Euribor index to 6 months of December 2024 (2,788% -  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 €237,39. The Total Amount Attributed to the Consumer is €97.918,65.

Funding example 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): €9,62.

*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 6,2% for a funding example of funding with a Variable Nominal Annual Rate (TAN) of 4,988%, resulting from the added of spread of 2.20%, to the Euribor index for 6 months of December 2024 (2,788% - 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 €274,17. The Total Amount Attributed to the Consumer is €107.877,63.

Finance example 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): €10,46.

APR of 5,8%, considering the optional subscription of products/services*, for an example of financing with a Variable Nominal Annual Rate (TAN) of  4,588% resulting from the added spread of 1.80%, to the Euribor index to the 6th month of December 2024 (2,788% - 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 €261,47. The Total Amount Attributed to the Consumer is €103.223,22.

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): €10,22.

*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 2,9%, for an example of financing with a Variable Nominal Annual Rate (TAN) of 2,188% - 360 monthly installments of €511,77. The Total Amount Attributed to the Consumer is €200.677,71.

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): €23,57.