Installment payment

Advertising message for promotional purposes. Purpose loan offer valid from 01/01/2026 to 31/12/2026. European Standardised Information Sheet in the online journey. Subject to approval by Findomestic Banca S.p.A., for which WinDirect srl acts as a credit intermediary, not on an exclusive basis.

TRANSPARENT INFORMATION
Advertising message for promotional purposes. HeyLight is a registered trademark of Compass Banca S.p.A., sole shareholder Mediobanca S.p.A., direction and coordination: Banca Monte dei Paschi di Siena S.p.A. VAT group Mediobanca: 10536040966; corporate data; tax code, registered in the Milan Companies Register 00864530159. The HeyLight trademark identifies several installment payment solutions: A) Free payment deferral granted to consumers, subject to assessment, by sellers of goods and services with which Compass Banca S.p.A. has entered into an agreement for assignment of receivables pro soluto (factoring). Full terms applicable to deferral available from sellers of goods and services. Information sheets on the factoring contract available on www.compass.it, www.HeyLight.com, at Compass Banca S.p.A. branches or at financial agents acting as exclusive or sole-mandate credit intermediaries for Compass Banca S.p.A. products. Subject to approval by Compass Banca S.p.A. B) Purpose loans granted to consumers, subject to approval, directly by Compass Banca S.p.A. Economic and contractual terms available on www.compass.it, www.HeyLight.com and from sellers affiliated with or exclusive to Compass Banca S.p.A. C) Digital credit cards granted to consumers, subject to approval, directly by Compass Banca S.p.A. For economic and contractual terms, see the information documents on www.HeyLight.com in the Transparency section. For purchases at physical merchant stores, the digital card can be used after registering it with the Google Pay and Apple Pay digital wallets. Contractual terms for mobile payment services in the MOBILE PAYMENT SERVICES REGULATION, available on www.HeyLight.com, Transparency section. For Apple Pay and Google Pay technology services provided by Apple Inc. and Google Ireland Limited respectively, refer to the Terms of Service and Privacy Policy of Apple Inc. or Google Ireland Limited at https://www.apple.com/apple-pay and https://support.google.com/googlepay; Compass Banca S.p.A. does not control how Apple Inc. and Google Ireland Limited process data. If you do not agree to the use of your data or your card, you may not activate the service or unlink the HeyLight digital card from Apple Pay or Google Pay. For online purchases, refer to the general terms of the digital card contract and/or the “online purchases” section on www.HeyLight.com and in the HeyLight app.