¹ For Customers of Portuguese nationality or from European Union countries, the Schengen Area and the United Kingdom.

² For customers of other nationalities.

When the intended transaction exceeds the authorized limit, the Bank may refuse the order received in full. Thus, exceeding the credit limit depends on case-by-case acceptance by the Bank, with the exception of the obligation to pay in the cases and within the conditions and limits legally prescribed. Should the Bank decide to accept the drawdown the following conditions will apply:

• Annual Nominal Rate (TAN): 19.000%.
• Interest Calculation: Interest will be calculated daily on all capital used and not reimbursed at each moment, based on a 360 days year and paid in arrears, on the 30th day of each month of the calendar year. Stamp Tax will be added to the interest.
• Repayment Conditions: Any and all amounts deposited or transferred to the credit of the Account will, as soon as available, be charged and applied to automatic repayment, in whole or in part, of the credit that has been used, for the corresponding amount.

Should there be, in the future, any change in remuneration due in interest rates and/or applicable expenses, through subsequent alteration of the Bank's Price List, these will be communicated to the customer at least 2 months in advance of the proposed date of their application. During this period, the customer has the right to terminate the current account contract immediately and free of charge. Should the customer choose not to do so, he shall be deemed to have accepted the changes.