Financial conditions for the purchase of a home with mortgage guarantee, taking into account the following representative example:

1) DISCOUNTED APR: If all the discount conditions are met, based on the hypothesis that you can opt for the maximum discount: (i) amount: €150,000; (ii) duration: 20 years; (iii) Arrangement fee 0%; (iv) interest rate: fixed; Bonus NIR: 2.35% (v) Discounted APR: 3.947%; (vi) monthly payment: 239 instalments of €783.94 and a final instalment of €784.80; (vii) number of payments: 240; (viii) total amount payable (including expenses): 215,314.32 euros. (ix) total cost of the loan: 65,314.32 euros; (x) interest: 38,146.46 euros. French amortisation system¹.

2) NON-DISCOUNTED APR:if the discount conditions are not met: (i) Amount: €150,000; (ii) maximum term: 20 years; (iii) opening fee: 0%; (iv) interest rate: Fixed, NIR 3.35%; (v) APR 3.949% (vi) monthly payment: 239 instalments of €858.42 and a final instalment of €856.62; (vii) number of payments: 240; (viii) total amount payable (including expenses): 215,448.06 euros. (ix) total cost of the loan: 65,448.06 euros; (x) interest: 56,019.00 euros. French amortisation system¹.

The APR may vary depending on the term and the amount of the operation, as well as the monthly reviews of compliance with the discount conditions.

Common Terms and Conditions for the discounted APR and the non-discounted APR:

a) Other common financial conditions: compensation or commission for total or partial repayment or early redemption that may not exceed the amount of the financial loss that CaixaBank may suffer, with a limit of 2% of the capital repaid during the first 10 years and 1.5% of the capital repaid until the end of the life of the loan.

b) Preparatory expenses that will be paid by CaixaBank: (i) taxes: 1,125.00 euros in documented legal acts for a mortgage liability of 150,000.00 euros and a tax rate of 0.75%; (ii) registry verification: €10.91; (iii) notary: €597.00; (iv) management: €363.00; (v) registration: €283.00.

c) Preparatory expenses to be paid by the customer (i) Appraisal: €289.06

d) Related ancillary services to be paid by the customer: you are obliged to take out a damage insurance policy regardless or whether you choose to contract the discounts. CaixaBank does not sell damage insurance; as such, below we offer you the premium resulting from calculating a home insurance policy (which is the closest to a damage insurance policy that the bank sells, with the difference that home insurance offers greater coverage). For the purpose of calculating the non-discounted APR and the discounted APR, the premium resulting from the home insurance calculation will be taken into account; additionally, in the event you contract the discounted APR, the corresponding discount will be applied. However, the customer is free to apply for a damage insurance policy, which is compulsory, with the insurance company of their choice.

Home insurance: 317.00 euros annual premium. The amount of the annual premium is based on the hypothesis that it will not vary during the validity of the operation. The amount is merely intended to serve as a guide and is based on damage insurance products offered by CaixaBank, S.A. (e.g. based on a mortgage with a principal of €150,000 and buildings coverage of between €100,001 and €120,000 and with 100 m of built property, with the amount to be paid for this concept throughout the validity of the operation being €6,340.00). The amount is the result of a calculation made based on a guidance screening and this value can vary according to the building and square metres of the property.

Payment account: you must maintain an account with CaixaBank throughout the loan term. The customer will pay the maintenance fees for the payment account, totalling €35/quarter. The calculation of the discounted and non-discounted APR will take into account this maintenance cost.

Terms and Conditions of discounting: these are percentage points that will be deducted from the NIR, if the following products are taken out: (i) direct deposit of salary or pensions > €600 + direct debit payments of 3 bills + purchases with cards*** marketed by CaixaBank, S.A., where the account holder is the debtor and when settlements are paid by direct debit from a demand deposit account opened in CaixaBank, S.A. by the holder of the same and which have been used to make at least three purchases during the last three months: 0.25% points; (ii) taking out a home insurance policy: 0.25% points; (iii) contracting of a life insurance policy*: 0.25% points; (iv) financing or subscription for contracting a "SECURITAS DIRECT Home Alarm"** service or of a "SENIOR PROTECTION SERVICE"**: 0.25 pts. The services indicated must always be marketed by CaixaBank, S.A. or Facilitea Selectplace, S.A.U. Compliance with the requirements to apply the discount terms and conditions will be reviewed on a monthly basis, and the interest rate may be adjusted upwards or downwards in accordance with CaixaBank's said monthly review of the recipients' compliance with said requirements. Purchase of the products listed above is optional. Each of the products can be taken out independently. There is no difference between the combined offer and the offer for separate products (the price of the products and services with the specified characteristics does not vary whether taken out combined or separately).

*Life insurance (simulation of life insurance and repayment) €226.58 annual premium (under the premise that the premium will not vary during the validity of the operation nor will it be updated in keeping with the principal repaid or the age of the borrowers). The premium is calculated based on the purchase of a life insurance policy for 50% of the capital and with a policyholder of 30 years of age. The cost of this service will be paid by the customer if it is applied for.

**Subscription or financing of the "SECURITAS DIRECT Home Alarm" service, marketed by Facilitea Selectplace, with financing being defined as the provision of an interest-free loan from CaixaBank to finance the purchase, installation and maintenance of the alarm. Representative example: Service fee: €2,497.44; term: 48 months; total amount owed: €2,497.44; 0% NIR; 0% APR; monthly payment amount: €52.03 a month; Total cost of the loan: €0. RRP and total price in instalments: €2,497.44. French amortisation system¹ . The maintenance service of the alarm must remain for the rest of the term of the mortgage, with a cost of 52.03 euros per month.

*** Card maintenance cost (simulation of the Visa Electron Debit card) marketed by CaixaBank: 36 euros/year. The calculation of the discounted APR will take this maintenance cost into account. The cost of this service will be paid by the customer if it is applied for.

Warnings: (i) Any breach of the loan obligations deriving from the loan can incur serious consequences for the mortgage holder, for his or her guarantor or for the owner of the mortgaged property, such as the loss of his or her property and of other goods; (ii) CaixaBank reserves the right to refuse to grant the operation or to approve it under the terms and conditions that it deems appropriate, after assessing the solvency of the applicant and according to the bank's risk criteria; (iii) The APR, pursuant to the law, covers the financial terms and conditions of the example, the expenses and the accessory services assuming that the premium of the insurance policy does not vary during the term of the contract; (iv) Right to convert the currency of the loan: If the loan is denominated in a foreign currency, the customer may convert the loan denominated in a foreign currency to the currency in which the customer receives their income, or to that of the member State in which they live. The change in currency (initially taken out in euros) to an alternative currency will result in the automatic change of the fixed interest rate to a variable interest rate for the duration of the loan, under the terms set when the loan is signed.

1. French amortisation system: payment of a constant instalment consisting of a portion of capital amortisation and another portion of interest. The interest portion included in each instalment is calculated by applying the effective interest rate to the outstanding capital at the beginning of each monthly period. The difference up to the instalment is the capital amortisation portion.
Each month, interest must be paid on the outstanding capital. Each month interest must be paid on the outstanding capital. At the beginning of the life of the loan we have a lot of capital to repay and the part corresponding to interest is higher than that corresponding to capital repayment. As we want to make the payments a constant amount, the proportion corresponding to interest is reduced and that corresponding to capital is increased over time.

The instalment remains unchanged while the interest rate is not modified. For example, if you have a twenty-year loan of €100,000 at an interest rate of 3.75%, each monthly payment will be €592.89. The first payment will consist of €312.50 in interest and just €280.39 in principal repayment. In contrast, 20 years later, the final payment will be €1.85 in interest and €591.04 in principal.

Mathematical formula (French fee)

ak = Ck * [(r/m) / [1-[1+(r/m)] -n]]

where "ak" is the hybrid principal and interest payment; "Ck" being the outstanding principal at the start of the period; "r" is the annual nominal interest rate, as a decimal; "m" being the number of loan settlement periods included in a year; and "n" being the number of repayment periods (principal and interest payment) pending.

NRI: 8041-2025/09542