All Access, beyond financial services

1. This value proposition includes products and services that may not be available in all units or jurisdictions. Check their availability with your banker.
2. If you are a Santander Private Banking customer in any of the markets in which we operate, you will be recognised as such (subject to applicable local regulations, laws and policies) in any Group bank where the Private Banking segment is available when you open an account, regardless of local requirements.
3. Credit card availability and financing options are subject to all applicable local policies, laws, and regulations. Check with your banker to find out what services are available.
4. Transfers made through your private banker.

The opinions expressed in the investment and analysis reports reflect the personal opinions of the research teams issuing them at the time of issuance and may be modified. The provision of such information does not constitute the provision of an investment advisory service. Under no circumstances should such information be used or considered as an offer to sell or an offer to buy. Any investment decision by the recipient of the aforementioned information must be taken taking into account the legal documentation of the corresponding financial instrument.

In connection with the receipt of investment analysis and reports, as part of the market information that the Bank may provide to the addressee of this communication, the Bank informs the recipient that, in accordance with applicable incentive law, the provision of research to certain entities that provide investment or ancillary services to investors, including portfolio managers ("Scope Entities"), requires those entities to bear the cost of the analysis directly, or to pay it from a separate analysis payments account with funds from the investors themselves. Therefore, in order to ensure that the provision of investment analysis and reports is carried out in compliance with the applicable regulations, in the event that the recipient of this communication is considered to be an entity within scope (and, therefore, is subject to obligations to pay for the analysis), the recipient must identify itself as such and expressly inform the Bank of this circumstance by sending an email to the avalores@gruposantander.com address.

This is an advertising communication.