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Legal Notice

GENERAL CONDITIONS OF USE

Official website of BANCO SANTANDER, S.A. (hereinafter Santander Group), an entity registered with the Bank of Spain under registration number 0049, with registered office in Santander (Cantabria), Paseo de Pereda, 9-12, CP 39004 and CIF A-39000013 and registered in the Mercantile Registry of Santander, Sheet 286, Folio 64, Book 5 of Companies, 1st Entry.

All the products and services provided by Banco Santander, S.A. are subject to current legislation and are under the supervision, where appropriate, of the Bank of Spain, the National Securities Market Commission, the Directorate-General for Insurance and Pension Funds and other regulatory bodies.

Please read the following general conditions carefully. By visiting this address and any of its pages (hereinafter referred to as "the Website") you will be considered to be a user and will be deemed to have accepted these General Conditions. Access to some of the pages of this website may be limited by the laws and provisions of the various jurisdictions of the countries.
The information contained in this website, including that relating to certain products and services, is essentially intended for use by individuals, companies, firms, trusts, natural or legal persons or any other organisation (hereinafter "Persons") resident in Spain or accessing it from Spain. The Santander Group therefore disclaims all liability for access by Persons in jurisdictions where such distribution or use could be contrary to the rules or regulations. Certain products and services may not be available or authorised in all jurisdictions or for all Persons.

THE SANTANDER GROUP'S LIABILITY AND GUARANTEE

CONTENTS

The Santander Group has obtained the information and materials included in the website from sources considered to be reliable and although reasonable steps have been taken to ensure that the information contained is correct, the Santander Group does not guarantee that it is accurate, complete or up to date and, as a consequence, it should not be relied upon as if it were. The Santander Group expressly disclaims any liability for error or omission in the Information contained in the pages of this website.

The Santander Group reserves the right to modify, suspend, cancel or restrict the content of the website, the links or the information obtained from it, without any prior notice.

Under no circumstances will the Santander Group, its branches, and/or its administrators, employees or authorised personnel be liable for any type of damage, loss, claim or expense of any kind, whether or not arising from the use of the Website, the information acquired or accessed by or through it, computer viruses, operational faults or interruptions in the service or transmission, or faults on the line. Use of the Website, whether by direct connection or by link or otherwise, constitutes a notification to any user that these possibilities may occur.

It is prohibited to transmit or send through the Website any illegal or illicit content, computer viruses, or messages that, in general, affect or violate the rights of the Santander Group or third parties.

The Santander Group is not responsible for websites that are not its own, which can be accessed through links, or for any content made available by third parties. Any use of a link or access to a website not owned by the Santander Group is undertaken at the user's own discretion and risk. The Santander Group does not recommend or guarantee any information obtained by or through a link, nor is it responsible for any loss, claim or damage derived from the use or misuse of a link, or the information obtained through it, including other links or websites, interruption of service or access, or the attempt to use or misuse a link, both when visiting the Website, as well as when accessing information on other websites from the Website.

This Website sometimes uses its own and third party cookies to improve our services by analysing your browsing habits.

Cookies are files that are stored in the computer of a user who browses the Internet and which, specifically, contain a number that allows the user's computer to be uniquely identified, even if the user changes their location or IP address.
The website is accessible without the need for cookies to be activated, although their deactivation may impair its correct functioning.

The website is accessible without the need for cookies to be activated, although their deactivation may impair its correct functioning.

If you browse the website, we assume that you agree to its use and we recommend that you read our Cookies policy carefully in order to have detailed information about the cookies used by this website, the purposes of their use, as well as how to oppose or revoke your consent to their use.

FINANCIAL AND STOCK MARKET INFORMATION

This Website does not provide any kind of investment recommendation or any legal, tax or other advice, and nothing contained herein should be relied upon for investment or decision making purposes. Similarly, the information contained on this website is published for general use and does not take into account specific investment objectives, financial situation or the particular needs of any Person. Before deciding on any investment, you should obtain appropriate and specific professional advice. The value of investments can rise or fall, a circumstance that the investor must accept even at the risk of not recovering the amount invested, in part or in full. Similarly, the publication of past performance does not constitute a promise or guarantee of future performance.

The contents of this website are for informational purposes only and under no circumstances should they be used or considered as an offer to sell, a request for an offer to buy or a recommendation to carry out any other transaction, unless expressly stated. Any decision to purchase by the recipient must be taken on the basis of the public information available about the security and, where appropriate, on the basis of the contents of the prospectus registered with the CNMV (http://www.cnmv.es), available both from that organisation and from the appropriate Market Governing Body, as well as through the issuing company.

RESTRICTIONS IN THE UNITED KINGDOM: Persons outside the United Kingdom who make their investments through a Santander Group company that is not resident in the United Kingdom are not covered by the laws and regulations for the protection of investors in the United Kingdom. These include rights to certain remedies, rights of cancellation, access to complaints and arbitration bodies, among others.
The publications and reports contained on this Website that, where appropriate, have been issued in the United Kingdom, must have the prior approval of the Banco Santander, SA branch in London, an organisation that is regulated and under the supervision of the "Financial Services Authority".
RESTRICTIONS FOR UNITED STATES CITIZENS (including any citizen or resident of the United States or any legal entity established in or under the laws of the United States, or any political subdivision of that country): If you are a United States citizen or if you are accessing the Website from the United States of America (including its territories, possessions and the District of Columbia), we hereby inform you that the Santander Group, by means of this page, offers the possibility of trading and providing information on securities that are not registered under the 1933 U.S. Securities Act and its corresponding reforms. In accordance with the above-mentioned standard, such securities must not be bought, transferred, delivered or sold (directly or indirectly) in the United States of America, except when the securities laws and regulations of that country allow it, either through their registration or exemption.
Under no circumstances shall the Santander Group be liable for any loss, damage, penalty or any other claim that may arise, directly or indirectly, from the use of this website or its content by United States investors.
THIRD PARTY REUTERS INFORMATION: The Santander Group may include third party reports on the Website, or have relationships with issuing companies, trade in securities or other investments, hold positions in such companies, act as a market maker, or support the business of the companies mentioned in a publication or analysis report. The Santander Group accepts no responsibility for any loss, direct or consequential, resulting from the use of such publications or analysis reports. Similarly, this information may not be reproduced, distributed, or published by any recipient, whatever the purpose.
Reuters information is the intellectual property of Reuters. Any form of copying, publishing or distributing of the Reuters content, without the prior consent of Reuters, including caching techniques, framing or similar means is expressly prohibited. Reuters is exempt from all liability in connection with any errors or delays in the information or with any action taken based on such errors or delays. Reuters and the Reuters’ Logo are registered trademarks of the worldwide Reuters group of companies. For more information, visit the Reuters website (http://www.reuters.com).

INDUSTRIAL AND INTELLECTUAL PROPERTY

This website is the property of BANCO SANTANDER, SA The intellectual and industrial property rights and the rights to use and reproduce this website, its pages, screens, the information they contain, their appearance, structure and design, source code, audio files and software, as well as the hyperlinks established from this website to other websites of any company belonging to the Santander Group, are owned by, have been assigned to or are the subject of a licence in the name of the Bank or the companies of the Santander Group, unless otherwise specified. All the names, designs and/or logos that make up this page are duly registered trademarks. Any improper use of them by a person other than their legitimate owner may be liable to prosecution in accordance with the legislation in force. The intellectual property rights and trademarks of third parties are appropriately marked and must be respected by all who visit the Website. Downloading of the contents or copying or printing of any page of this Website is only permitted for personal and private use. The reproduction, public communication, distribution, assignment or transmission, modification or deletion of the information, content or notices on this website is prohibited without the prior written authorisation of Banco Santander, S.A.

APPLICABLE LEGISLATION

These general conditions shall be governed by Spanish law.

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