Either of the two options (Option 1 or Option 2) must be fully fulfilled in order to be able to benefit from the Professional Zero-Fee Plan's fee exemption programme.

OPTION 1

Basic requirements (must be fulfilled simultaneously):

• Revenue* equal to or greater than €7,200, with at least one deposit within the last 12 months.

• Spending with credit cards for an amount equal to or greater than €1,200 per year (or a minimum of 2 monthly transactions) or POS use equal to or greater than €600 per month (Consult the kind of transactions taken into account to calculate consumption in the Professional Zero-Fee Plan's terms).

Optional requirements (at least one of which must be fulfilled):

• Balances amounting to €6,000 or more in the Bank (of which you are the account holder in: Current accounts, Deposits, Investment Funds (including Discretionary Investment Portfolio Management)), Pension Plans and Savings Insurance Policies).
  
• Having taken out from the institution one or several insurance policies** that are in force and the sum of said policies' paid premiums being equivalent to or greater than €100.

OPTION 2

Basic requirement:

• Balances having a total amount equivalent to or greater than €20,000 in the institution's investment funds (including Discretionary Investment Portfolio Management) of which you are the holder.
  

Optional requirements (at least one of which must be fulfilled):

• Consumption on credit cards for an amount equivalent to or greater than €1,200 per year (consult the kind of transactions taken into account to calculate consumption in the Zero-Fee Plan's terms).
• Having taken out from the institution one or several insurance policies** that are in force and the sum of said policies' paid premiums being equivalent to or greater than €200.

(*) "Deposited annual income" is construed to mean any income received by the CUSTOMER in an account opened at Unicaja of which they are the main holder through deposit transactions — except over-the-counter or ATM cash deposits and wire transfers made between accounts held by the same CUSTOMER —, wire transfers from other institutions and/or payment of cheques into the account.

(**)  Insurance taken out through Unimediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the network of Unicaja Banco, S.A. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.