In accordance with Act 34/2002, governing Information Society Services and Electronic Commerce, and Act 56/2007, governing Measures to Promote the Information Society, we hereby inform you that this website is owned by Santander Global Operations, S.A., bearing Tax Identification Number (CIF) A80040918 entered in the Mercantile Register of the province of Madrid, Volume 1292, Folio 102, Sheet M24261, 1st Entry, with the following address for correspondence purposes: C/ Jacinto Benavente, 2. Complejo Tripark Bloque C, Planta 1. 28232 – Las Rozas.

The user undertakes to use www.santanderglobaloperations.com and the services made available therein in accordance with the Law and these present Terms and Conditions. Any Users wishing to use this website must previously read and accept these Terms and Conditions, defined by Santander Global Operations, the owner of said website. Should you be permitted to access this site as a user, you must ensure and be responsible for ensuring that all the information entered is accurate and truthful, and is not provided for any fraudulent or deceitful purposes. It is also prohibited to use the website for commercial or advertising purposes outside the interests of Santander Global Operations.

USING THE WEBSITE

When using the website, you shall not use the means made available to you through www.santanderglobaloperations.com to:

• Upload or enter information that is illicit or contrary to principles of good faith or public order, or which might be offensive to others.

• Upload or enter personal information either pertaining to yourself or others in any of the following categories: health, racial or ethnic origin, sex life, ideology, trade union affiliation, religion, beliefs, administrative or criminal convictions.

• Spread contents or propaganda that might be racist, xenophobic, obscene, pornographic, defending terrorism, or threatening human rights.

• Upload or enter content that could be considered defamatory, libellous, threatening, or coercive.

• Reveal private and/or confidential information about private individuals or legal entities.

• Cause damage to the IT and computing systems of www.santanderglobaloperations.com or of third parties.

 • Introduce computer viruses, malware, spyware, trojan viruses, worms, or any other malicious software that might cause the damage mentioned previously.

• Access and/or manipulate the information of other system users.

Users that fail to comply with all or any of the conditions and rules governing the usage of www.santanderglobaloperations.com may be suppressed from the website and removed from its database, and will be unable to claim any form of compensation in this regard.

Santander Global Operations will initiate legal proceedings against such actions, as well as any other undue or improper action and/or use of its website, taking any civil and criminal actions which it is entitled to undertake in accordance with Spanish legislation.

Santander Global Operations cannot be held responsible in any way in the event that a user uses the system in a way that contravenes the terms and conditions of use set out above. Santander Global Operations is not responsible for, nor does it subscribe to the opinions and/or information uploaded or entered by Users. Notwithstanding the above, should such information be uploaded or entered onto the website by members of the Company's personnel, with the knowledge and authorisation of the Company, said statements will be understood to have been made in the name of Santander Global Operations

If any of the stipulations of these present Terms and Conditions should be declared null and void by a Court, the other Terms and Conditions shall be maintained in the terms set out. In order to resolve any controversy arising with regard to the validity, execution, fulfilment or total/partial resolution of these Terms and Conditions of Use, Users of the website hereby expressly renounce any jurisdiction to which they might be entitled and agree to be bound by the decisions of the Courts and Tribunals established in the province of Santander Global Operations.

In general, relations between www.santanderglobaloperations.com and website visitors are subject to Spanish legislation and jurisdiction. The intellectual property rights pertaining to the content of the webpages, their graphic design, and coding, are owned by Santander Global Operations and, therefore, should the purpose of the activity be commercial or profit-making in any way, then it is absolutely prohibited to reproduce, distribute, publicly communicate, transform, or carry out any other activity in relation to said contents of its webpages, not even if the source is cited, without gaining the written consent of Santander Global Operations. Notwithstanding the above, Santander Global Operations authorises the free reproduction, distribution, and public communication of the documents and/or opinion articles incorporated onto this website, providing: 1) said actions pursue aims of public information, and 2) the source is cited, in this case, Santander Global Operations. The above exception does not imply that Santander Global Operations relinquishes its right to take any civil or criminal action to which it might be entitled in the event that the dissemination of said contents is accompanied by any attacks on the dignity or image of the Company that exceeds the right of freedom of expression and, in general, any type of figure associated with practices of unfair competition.

Important information about security

Under no circumstances will staff identified as belonging to www.santanderglobaloperations.com or Santander Global Operations ask you for your access information (username, password) over the phone, by e-mail or in person, outside of the authentication system of www.santanderglobaloperations.com, not even to resolve a technical issue. Members of Santander Global Operations staff do not have access to your authentication details, since they are encrypted and stored in the system, in accordance with applicable legislation. Similarly, www.santanderglobaloperations.com and Santander Global Operations will not request any transfers of monies, bank account numbers, credit or debit card numbers, or any other type of economic or financial information outside of the channels established on the website for the acquisition of services and products. Should you receive a request of this kind, you should refuse to provide your access details as well as any other personal information outside of the channels provided by the website to request information, and the matter should be reported to Santander Global Operations.

You should not download software or access links contained in the bodies of messages posted by website users, since this practice is not authorised by Santander Global Operations and constitutes a possible security threat to your computer equipment, with the consequent danger to your personal and family privacy, and with the risk that said data might be used for illicit and/or fraudulent purposes. Any action by third parties associated with the practices described above shall be reported to the relevant authorities.