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Useful information

1. Financial instruments involve risks (market, credit, liquidity, currency, interest rate, sustainability risk, etc.), and some or all of the investment may therefore be lost. The risks are set out in the legal documents for the product.

Before making any investment decision, you should consult the information in the financial instrument's legal documentation (in the case of a Collective Investment Undertaking (CIU), in the Prospectus and in the Key Information Document (KID)), both of which are available from the supervisory body and from the market where the instrument may be admitted to trading, if any, and on the website of the issuer or the management company. Decisions to invest in a financial instrument must be taken in due consideration of all the characteristics or objectives of the financial instrument described in its legal documentation. Past performance is not a reliable indicator of future results. If the financial instrument is denominated in currencies other than the euro, performance may be better or worse as a result of exchange rate movements.

Returns on your investments will be taxed under the tax legislation applicable to your personal situation, which may change in the future.

This is a marketing communication for commercial purposes. It is not contractual information or information required under a legal provision. It should not be treated as an investment recommendation or advice of any kind, and it is not sufficient in itself as the basis for investment decisions.

© BANCO SANTANDER, S.A. All rights reserved. Registered office: Paseo de Pereda 9-12. SANTANDER. Tax ID number A-39000013.

2. The taxes levied on your investments will be dependent upon your personal circumstances as an investor, and may change in the future. For Collective Investment Undertakings (CIUs), individuals liable for personal income tax can benefit from the tax deferral regime on transfers between CIUs, which are made in accordance with current legislation.

3. Management Company: Santander Pensiones, S.A. EGFP; Depository Institution: Caceis Bank Spain, S.A.; Promoter: Banco Santander, S.A. The KIID (Key Investor Information Document) and detailed information on sustainability are available at www.santanderassetmanagement.es. Pension plans are dependent on changes in market prices and other variables. Accordingly, they do not guarantee a return.