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 Plan's fee exemption programme.

OPTION 1

Basic requirements (must be fulfilled simultaneously):

• Annual 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 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 Portfolio Management)), Pension Plans and Savings Insurance Policies subscribed through Unicaja or brokered by it of which the customer is the holder.
  
• 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 at the institution of which the customer is the holder: demand accounts, investment funds (including Discretionary Investment Portfolio Management), pension plans and savings insurance taken out through Unicaja or brokered by it.

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 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 €100.

(*) "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.