(1) Account without opening or maintenance commissions, 0% AER.
(2) This account hasn't cash remuneration. Each € 6 increase in net monthly balance obtains 1 point (maximum 20 points) calculated at the end of each month. Maximum AER of 1.05 %. An example of remuneration for a monthly increase in balance of € 120 with a total € 1,440 within a term of 12 months, obtains a maximum of 240 points. The average cost of 1 point is € 0.063 (this includes VAT and Canary Sales Tax). If the account does not have monthly balance increases, the remuneration will be 0 % AER. Exchanging points for articles from the catalogue is subject to taxation and has the tax classification of yield on moveable assets in species, obtained by assignment of own capital to third parties, by virtue of Article 25.2 of the current Act 35/2006 on Personal Income Tax. Unicaja Banco shall perform the withholding and deposit to account of Personal Income Tax, by virtue of Article 74.2 of the Personal Income Tax Regulations, without the cost of that deposit being repercussed on the client. If the article chosen is no available, Unicaja Banco shall return the points exchanged. Consult the conditions at your branch.