Friends make life better. And mortgages too.

1. The UCI Referral Programme (hereinafter referred to as the "Campaing") aims to encourage the recommendation of potential new clients to Unión de Créditos Inmobiliários, S.A. Establecimiento Financiero de Crédito (Sociedad Unipersonal) - Portugal Branch ("UCI") for the assessment and potential approval of a mortgage loan application.

2. The Campaign is open to existing UCI clients who currently hold an active UCI mortgage loan, as well as to potential new clients referred by current UCI clients ("Friends" or "Friends of UCI Clients"), provided that those friends are not already registered in the UCI system with a client code.

3. To participate in the Campaign, both UCI clients and their friends must complete the Campaign Voucher and present it when submitting their UCI mortgage application, or they may register on the Campaign page at www.uci.pt and present the voucher when submitting the mortgage application.

4. For each friend who successfully contracts a UCI mortgage loan as a result of a referral, UCI will apply a €300 repayment toward one of the upcoming monthly instalments of the referring client's mortgage. This repayment will not incur any fees. It will apply exclusively to the mortgage instalment amount and excludes any other payments such as insurance premiums, commissions or other fees. The repayment will be applied within a maximum of 120 days from the date of signature of the referred friend's UCI mortgage contract. If the monthly instalment due at the time of application is less than €300, the remaining amount will be transferred to the client's bank account, so that the total benefit reaches €300. The total repayment amount is limited to a maximum of €300 for each referred friend who contracts a UCI mortgage loan.

5. For each new UCI client who contracts a mortgage loan with UCI under this Campaign, UCI will apply a €300 repayment toward one of their monthly mortgage instalments. This repayment will not incur any fees. It will apply exclusively to the mortgage instalment amount and excludes any other payments such as insurance premiums, commissions or other fees. The repayment will be applied starting from the second instalment and within a maximum of 120 days from the date of signature of the mortgage contract. If the monthly instalment due at the time of application is less than €300, the remaining amount will be transferred to the client's designated bank account, so that the total benefit reaches €300. The total repayment amount is limited to a maximum of €300.

6. The advantages offered under this Campaign cannot be exchanged for other advantages, unless UCI decides otherwise for any reason it deems relevant. However, they may be combined with other campaigns that UCI may have in effect, provided those campaigns offer advantages unrelated to this one.

7. The application of the Campaign's conditions is subject to confirmation of the referred client's data by UCI after the mortgage loan is signed. This confirmation will be carried out by UCI via phone call, email or mail.

8. UCI reserves the right to amend, cancel or alter the terms and conditions of this Campaign at any time, for any reason it deems relevant. Any such changes will be published as promptly as possible.

9. Referring friends does not guarantee the approval of the mortgage application or the granting of a loan. Each financing request is subject to a full credit analysis in accordance with UCI's Risk Policy. Approval of any loan is always subject to UCI's formal credit decision.

10. Participation in the Campaign implies that both UCI clients and their friends have read and accepted these terms and conditions and that the personal data collected via the registration form will be processed by UCI, in its capacity as data controller. The processing is necessary to manage participation in the Campaign and to grant the associated advantages, based on the execution of these conditions. The data will be kept for the duration of the Campaign and, after that, for the periods legally established for the fulfilment of legal obligations or for the purposes of declaration, exercise or defence of a right by the UCI in legal proceedings, if necessary. Data will not be shared with third parties, unless required for the execution of the Campaign. Both UCI clients and their friends may exercise their rights of access, rectification, objection, erasure, portability, restriction of processing, and the right not to be subject to automated individual decisions, by contacting UCI's Data Protection Officer at dpo.pt@uci.com. They may also file a complaint with the Portuguese Data Protection Authority (www.cnpd.pt).

11. Before providing their Friends' personal data, UCI clients must inform those individuals of the contents of the previous paragraph and ensure compliance with all relevant legal obligations concerning the provision of information and the collection of consent. UCI is not required to take any additional action with regard to informing those data subjects.

12. UCI undertakes not to use the personal data of friends who do not express interest in participating in the Campaign, and will delete such data immediately.

13. The UCI Management Committee is responsible for resolving any issues, omissions or disputes arising from the interpretation or application of these terms and conditions.

14. These Campaign conditions entered into force on 01/10/2023 and will remain valid until 31/12/2026.