Members - Club Nàutic L'Estartit

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1. Whenever the criteria regarding direct deposit of salary or professional income of the target group is met (amounts cannot be accumulated) >€2,500/month + group direct debit bill payment.
2. It includes the issuance of transfers in euros to the EU through individual, non-urgent orders, with correct data and a maximum amount of €50,000/transfer. The balance in the account does not generate interest for the customer.
3. It includes a Visa Gold credit card with two cards (holder + additional holder). Approval of credit cards is subject to an examination of the applicant’s solvency and repayment capacity and depending on the risk criteria of the card issuing entity. Cards issued by CaixaBank Payments, E.F.C. E.P., S.A.U., with Tax ID A58513318, registered in the Official Register of Banks of the Bank of Spain under number 8788. CaixaBank, S.A. acts as the card issuer’s agent entity. Non-life insurance from SegurCaixa Adeslas, S.A. de Seguros y Reaseguros. Broker: CaixaBank, S.A., the exclusive bank-insurance operator for VidaCaixa, S.A.U. and authorised by SegurCaixa Adeslas, S.A., holder of Tax ID no. (NIF) A08663619 and with address at C/ Pintor Sorolla, 2-4, Valencia – 46002. Filed with the DGSFP Brokers’ Register under the code C0611A08663619. Information subject to the conditions of each policy and the conditions of the corresponding insurance company.

Enjoy your bank here, there and, above all, now. With CaixaBank's NOW, all the advantages you want go with you wherever you go:

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1. See information brochure of maximum prices in operations and services of the securities market on the Spanish securities market regulator (CNMV) website (www.cnmv.es) or CaixaBank website (caixabank.es).

Personal Loan

• €0 in arrangement, appraisal or repayment fees
• Term: up to 6 years

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Master's Degree Loan

Financie sus estudios superiores y los estudios de los miembros de su familia:

• Interest rate: Euribor + 3.50 %
• Variable AER: 3.49%³
• Drawdowns: during the first four years. Drawdowns of the lent capital will be subject to accreditation that the matriculation of the financed studies has taken place
• Capital grace term: up to 5 years
• Maximum total term: 10 years
• Arrangement fee: 0.25%
• €0 in appraisal or repayment fees

Credit account for funding working capital

• €0 in arrangement and renewal fees
• Maximum term: 2 years, renewable yearly
• Commitment fee: 0.15% quarterly

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1. APR: 3.97% calculated for a loan of €15,000 over a six-year period. Total amount owed: €16,847.28 (capital €15,000 + interest €1,847.28). Amount of monthly instalments: €233.99.

2. APR: 2.27% calculated for a loan of €15,000 over a six-year period. Total amount owed: €16,049.52 (capital €15,000 + interest €1,049.52). Amount of monthly instalments: €222.91

3. Representative example: Variable AER 3.49% calculated for a €10,000 loan of which drawdowns are made every year during the first 4 years, each of which represents 25% of the capital lent. Variable NIR 3.39%. Grace period: 5 years. Repayment term: 5 years. Total term: 10 years. Arrangement fee 0.25%. No appraisal fee. Total amount owed €12,097.63 (capital of €10,000 + interest of €2,072.63 + arrangement fee of €25). Amount of the monthly fees during the repayment term: €181.43. Nominal interest rate indexed to the official euribor (-0.109% published in the BOE no. 81 of 2 April of 2019). This Variable AER has been calculated under the hypothesis that the reference rates do not vary; therefore, this Variable AER will fluctuate with interest rate reviews. Reference rates do not vary; therefore, this Variable AER will fluctuate with interest rate reviews.

4. APR: 2.93% calculated for a loan account of €15,000 (in the event a one-off drawdown is made for the full amount and capital is repaid in a single payment on the maturity date). NIR: 2.90% fixed. Total amount debited from the loan account in absolute terms: €15,870 (capital of €15,000 + interest of €870). Amount of quarterly instalments: €108.75 (interest only).

5. APR: 1.91% calculated for a loan account of €15,000 (in the event a one-off drawdown is made for the full amount and capital is repaid in a single payment on the maturity date). NIR: 1.90% fixed. Total amount debited from the loan account in absolute terms: €15,570 (capital of €15,000 + interest of €570). Amount of quarterly instalments: €71.25 (interest only).

A unique way of understanding advisory services

At CaixaBank Premier Banking, we would like to meet you, advise you and accompany you during your financial life. This commitment is based on three cornerstones:

• Premier Banking Adviser
• Tailored advisory services
• Exclusive solutions

Since customer needs vary, we present Tailored, a unique way of understanding advisory services that enables us to provide a response to the needs and objectives of each customer.

Only on the basis of an overall reflection of your needs, can we put order into your wealth, designing a PlanA, an investment strategy with which you can obtain your objectives in each stage of your life.

Such plan will include frequent and multi-channel monitoring of compliance with your objectives, which will enable us to review and redefine the actions to be taken when necessary.

If you wish to access our Premier Banking advisory services¹, you must have financial assets exceeding €60,000.
 
And moreover, for belonging to your group, you can enjoy our exclusive Private Banking service if you have €300,000 of financial assets managed.

1. It is necessary to take out the relevant advisory services agreement.

This document is purely informative and does not constitute any request or recommendation for investment in the financial products and/or services to which it refers. None of the information contained in this document should be interpreted as financial, tax, legal or any other type of advice or guidance. Under no circumstance does this document replace any other legal document. In the case of each investment, the appropriate document for each type of investment must be complied with. Accordingly, the investor must receive the information required by the legal provisions to that effect. Expressions such as “reach your goals”, “cover your basic needs”, “handle”, “generate savings”, “complement”, “determine”, “protection against unforeseen events”, etc. should not be interpreted as any sort of guarantee unless expressly stated as such, given that the products and services can be subject to fluctuations in the market and therefore could result in the loss of invested capital.