INVESTMENT FUNDS

Generation Range

A range with three mixed European investment funds with which you can receive quarterly payments by redeeming shares¹.

1. WARNING: neither the returns nor the initial investment in these funds are guaranteed, so the investor may lose money. The periodic payments for Class R funds in this range are reimbursements of investment, i.e. they do not match the profit obtained by the fund. The fund may be losing money, even if you are receiving periodic payments.
2. Quarterly reimbursements, via share reimbursement (Class R). Each redemption will be 0.25%, 0.50% or 0.75% (Generation 1, Generation 2 or Generation 3, respectively) of the redemption value of the share of the fund on 31/03, 30/06, 30/09 and 31/12 or the next business day. The effective amount of the reimbursements will vary depending on the performance of the net asset value and the return will not necessarily be equal to the initial amount invested.
3. The fund's exposure to fixed income and equities in normal market conditions.
The performance of investment funds depends on fluctuations in market prices and other variables. Therefore, the value of investments may rise or fall, making it impossible to guarantee the return of the capital invested. Past performance is not a reliable indicator of future performance.
Investment funds involve certain risks (market, credit, liquidity, exchange rate, interest rate, etc.), all of which are outlined in the prospectus and the key investor information document (KIID). The nature and scope of the risks will depend on the type of fund, on its individual characteristics, on the currency and on the assets in which its equity is invested.
As a result, the choice between the various types of funds must be made taking into account the investor's desire and capacity for assuming risk, along with their return expectations and investment time horizon. Before subscribing to units of a fund, the investor must consult the information contained in the fund's prospectus and KIID. Both documents are available to investors in our branches and at the National Securities Market Commission (CNMV).
The taxation of returns obtained by participants will depend on the tax legislation applicable to their personal situation and may vary in the future.
Management Company: SANTANDER ASSET MANAGEMENT, S.A., S.G.I.I.C., registered in the CNMV under number 12. Depositary Institution: CACEIS BANK SPAIN, S.A., registered in the CNMV under number 238. Marketing Company: BANCO SANTANDER, S.A., registered in the CNMV under number 49.
This information is for advertising purposes and is disseminated exclusively for informational purposes. Its content does not constitute the basis of any contract or commitment, nor should it be considered as an investment recommendation or advice of any kind.

SANTANDER GENERATION 1, F.I.

for conservative profiles

SANTANDER GENERATION 2, F.I.

with a medium level of risk

SANTANDER GENERATION 3, F.I.

if you have an aggressive profile

Funds that offer you a periodic income¹

SANTANDER GENERATION 1, F.I.

If you have a conservative risk profile and would like to receive a periodic income, through the repayment of shares¹, this fund may be of interest.

Euro Mixed Fixed-Income Fund that distributes a compulsory 0.25% quarterly², via share reimbursement.
90% exposure to fixed income and 10% to equities³.
Indicative investment term of three years.
Fund listed in the CNMV register at entry number 4995.
The CNMV advises that this fund invests up to 10% in low credit quality fixed income issuances, i.e., with a high credit risk. Investment in low credit quality fixed income and low cap equity can have a negative impact on the liquidity of the fund.
See the prospectus, the KIID and the full fact sheet for the Santander Generation 1 Fund, F.I. here.

Minor risk
Potentially lower return

Major risk
Potentially greater return

1	2	3	4	5	6	7

Category "1" does not mean that the investment is risk-free.

Fund participation classes

Class	ISIN	Minimum initial investment	Management fee	Deposit fee	Quarterly distribution²
Class R	ES0174869026	1 participation	0,95%	0,05%	0,25%
Class A	ES0174869000	1 participation*	1,10%	0,10%	-
Class B	ES0174869018	20.000 €*	0,95%	0,05%	-

(*) This class is not open to new subscriptions.

TAKE OUT INSURANCE ONLINE

SANTANDER GENERATION 2, F.I.

A fund to receive periodic income, through the repayment of shares¹, if you are willing to assume a moderate risk.

Euro Mixed Equities Fund that distributes a compulsory 0.50% quarterly², via share reimbursement (exclusively in the Class R distribution class).
75% exposure to fixed income and 25% to equities³.
Indicative investment term of three years.
Fund listed in the CNMV register at entry number 4996.
The CNMV advises that this fund invests up to 25% in low credit quality fixed income issuances, i.e., with a high credit risk. Investment in low credit quality fixed income and low cap equity can have a negative impact on the liquidity of the fund.
See the prospectus, the KIID and the full fact sheet for the Santander Generation 2 Fund, F.I. here.

Minor risk
Potentially lower return

Major risk
Potentially greater return

1	2	3	4	5	6	7

Category "1" does not mean that the investment is risk-free.

Fund participation classes

Class	ISIN	Minimum initial investment	Management fee	Deposit fee	Quarterly distribution²
Class R	ES0174894024	1 participation	0,95%	0,05%	0,50%
Class A	ES0174894008	1 participation*	1,10%	0,10%	-
Class B	ES0174894016	20.000 €*	0,95%	0,05%	-

(*) This class is not open to new subscriptions.

TAKE OUT INSURANCE ONLINE

SANTANDER GENERATION 3, F.I.

A fund to receive periodic income, through the repayment of shares¹, if you have an aggressive risk profile.

International Mixed Equities Fund that distributes a compulsory 0.75% quarterly², via share reimbursement (exclusively in the Class R distribution class).
Fixed-income exposure of 40% and exposure to equities of 60%³.
Indicative investment term three years.
Fund listed in the CNMV register at entry number 4997.
The CNMV advises that this fund invests up to 25% in low credit quality fixed income issuances, i.e., with a high credit risk. Investment in low credit quality fixed income and low cap equity can have a negative impact on the liquidity of the fund.
See the prospectus, the KIID and the full fact sheet for the Santander Generation 3 Fund, F.I. here.

Minor risk
Potentially lower return

Major risk
Potentially greater return

1	2	3	4	5	6	7

Category "1" does not mean that the investment is risk-free.

Fund participation classes

Class	ISIN	Minimum initial investment	Management fee	Deposit fee	Quarterly distribution²
Class R	ES0174762023	1 participation	0,95%	0,05%	0,75%
Class A	ES0174762007	1 participation*	1,10%	0,10%	-
Class B	ES0174762015	20.000 €*	0,95%	0,05%	-

(*) This class is not open to new subscriptions.

TAKE OUT INSURANCE ONLINE

What risk is involved in investing in these funds?

Investing in mixed investment funds implies assuming a certain level of risk that will depend on the composition of each fund, market fluctuations and other factors associated with investing in securities.

In general, investing in funds involves assuming the following risks:

CREDIT RISK
Due to the quality of the assets in which it invests, as well as its issuers, this is the risk that the issuer will not be able to meet the payments.
MARKET RISK
The possibility that financial instruments are listed or have a value below the price we have paid for them. In this regard, the investments may be affected by:

Interest rate risk: interest rate fluctuations affect the price of fixed-income assets. The sensitivity to this risk depends on the duration of these assets.

Foreign exchange risk: fluctuation of the exchange value in the case of assets denominated in currencies other than the reference currency of the participation.

Market risk due to investing in equities: derived from variations in the price of equity assets.

Risk from investing in emerging markets: political changes or economic circumstances can affect the value of investments.

Geographical or sectoral concentration risk: the concentration of our investment in the same area or sector increases market risk.
FROM INVESTING IN DERIVATIVE FINANCIAL INSTRUMENTS
Investing in derivatives (futures, options, etc.) may incorporate higher risk given the nature of these products.
LIQUIDITY RISK
The risk that no counterparty is found in the market and, therefore, a product cannot be sold.
SUSTAINABILITY RISK
These risks correspond to environmental, social or governmental events or conditions. The sustainability risk of the investments will depend, among others, on the type of issuer, the sector of activity and its geographical location.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

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