1 No account management or maintenance fees. Profitability conditions for registrations between December 1, 2023 and January 2, 2024. Representative example for a calculated year for the period from 31/12/2023 to 31/12/2024 for a combined average monthly balance of the Online Account and the associated Savings Account(s) of €20,000: APR 3.039% calculated taking into account the NIR of 6.0% for the first three months and for the remaining months the NIR of 2.0%, which is in respect of the current remuneration of the account only, and may vary depending on market conditions. Interest paid over the year: €598.91. Monthly settlement. 

2 Cashback of 3% of the amount of the bills in the name of the account holders charged to the account during each calendar quarter corresponding to electricity and/or gas suppliers. The payment is to be made quarterly, at the latest, on the 15th (or the previous working day) of the following calendar month at the end of the calendar quarter in which the bills are debited. In accordance with personal income tax regulations, the amount resulting from applying the 3% of the bills is considered as securities income subject to withholding tax at the currently applicable rate of 19%.