Santander Select: specialists in you

1. Unpaid account. 0% NIR, 0% APR when any of the conditions to obtain a full exemption are met; example for the option of transactionality (salary and bills/cards). On the assumption that a minimum daily balance of €6,000 is held continuously for 1 year, subject to an annual nominal interest rate of 0% and a maintenance fee of €0. 0% NIR, -1,98% APR when any of the conditions are met; example for the option of holding a balance equal to or greater than €5,000 and lower than €25,000 in investment funds, with no added costs. Based on the same assumption in terms of balance, interest rate and card and a maintenance fee of €120/year (€10/month) for 1 year. 0% NIR, -3,93% APR if none of the conditions are met; example based on the same assumption in terms of balance, interest rate and card, and a maintenance fee of €240/year (€20/month) for 1 year. The account will be settled on a monthly basis.

2. Granting of the card subject to prior approval by the Bank. This card allows deferred payment. Keep in mind that, if you choose a fee that is too low, your debt may be extended in time longer than expected, since the monthly fee will be used first to pay interest and commissions and in a smaller amount to the amortization of the capital. Remember to use your credit card responsibly. The abusive use of financing implies a risk of over-indebtedness with long-term consequences that can affect your financial planning.

3. Before making an investment decision, you should consult the information contained in the legal documentation of the financial instrument (in the case of Collective Investment Undertakings (CIUs) in the Prospectus and in the Key Investor Information Document (KIID)), available both at the relevant supervisory body and at the market where the instrument may be admitted to trading. if it is, such as on the website of the issuing or managing entity of the same. Financial instruments involve certain risks, so there is a risk of losing all or part of the investment. The decision to invest in a financial instrument should be made taking into account all the characteristics or objectives of the financial instrument described in its legal documentation. In the case of CIUs, the promoted investment refers to the acquisition of units or shares of a CIU and not in a certain underlying asset. This is an advertising communication and its purpose is commercial. It is not contractual information, nor information required by any legislative provision, nor should it be considered as investment recommendation or advice of any kind, and is not sufficient to make an investment decision.

4. Financing subject to prior approval by the Bank.

5. Insurance mediated by Santander Mediation Operator of Banca-Seguros Vinculado, S.A. (“Santander Mediación”), through its distribution network Banco Santander S.A., by virtue of the agency contract it has signed with the insurance companies: Santander Seguros y Reaseguros Compañía Aseguradora, S.A.; Santander Vida Seguros y Reaseguros, S.A.; Santander Generales Seguros y Reaseguros, S.A. and Santander Mapfre Seguros y Reaseguros, S.A.. Santander Mediación is a company registered in the registry of the General Directorate of Insurance and Pension Funds under number OV-0042 and has taken out civil liability and financial capacity insurance in accordance with current legislation. Consult the rest of the insurance companies with which Santander Mediación maintains an Agency Contract for the distribution of insurance products in www.santandermediacionobsv.com.