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1. Information on the website

1.1 The web pages of Santander Asset Management German Branch (hereinafter referred to as Santander Asset Management) are expressly intended for customers who have their registered office in Germany. Thus, all information and services are intended for customers residing in Germany. Santander Asset Management makes no guarantee that the information is suitable or usable for use in other locations. Customers outside of Germany who access any information do so at their own risk and must check for themselves whether the information is in compliance with the laws of such places.

The information and services offered on this website may not be distributed to, used by, or accessed by any person in any jurisdiction or country where such distribution, access or use would subject Santander Asset Management to any registration, authorisation or penalty in any such country or jurisdiction. Access or consultation of these web pages is prohibited for natural or legal persons whose residence or place of business is subject to a foreign jurisdiction that imposes restrictions on the distribution of such information. All persons who wish to use these web pages are therefore required to inform themselves about the applicable legal situation regarding use and to observe any applicable prohibitions regarding the publication of the content of this website or access to this website.

1.2 The websites are intended by Santander Asset Management for its own information purposes only. Accordingly, the information on this website does not constitute advice, an offer or a solicitation to buy or sell or to hold securities or other investment products described on the website. This also applies to the information material deposited on the website.

1.3 The products and services described herein are not available to all persons in all countries or jurisdictions. Santander Asset Management will not offer these products or services to any person if, in the opinion of Santander Asset Management (without Santander Asset Management having any obligation to prove it), the provision of such services could constitute a violation of the law or the prevailing legal system in the home country of the person or any other related legal system.

1.4 The information contained on these pages represents the current opinion of Santander Asset Management and may be changed at any time without prior notice. Santander Asset Management makes every effort to keep the information on the website up to date, but is not obliged to do so. No guarantee can be given for the completeness and correctness of the information provided.

1.5 The content of the pages under the heading "Institutional Investors" is intended exclusively for professional clients and eligible counterparties within the meaning of 31a (2) and (4) WpHG. The information in this section does not take into account the legal requirements for the presentation of information for private clients within the meaning of Section 31a (3) WpHG and has not been adjusted for private clients. If you remain on these pages and interact with us or make a declaration of intent, you make a legally binding declaration that you are a professional client or an eligible counterparty. If you are a private client and are interested in our services, please click here for more information.

2. Rights of use and copyright

2.1 The user may use the information and documents published on the website in accordance with their intended use. All content may only be used within the scope of the normal use of the website for viewing the content with a standard browser. The information provided may only be accessed in a way that does not impair the use of the Santander Asset Management websites by other visitors.

2.2 The content of this website and its design are protected by copyright. Contributions by third parties are marked as such. Reproduction, editing, distribution and any kind of exploitation outside the limits of copyright require the written consent of Santander Asset Management - in the case of contributions by third parties, also their consent. The retrieval storage, printing, downloading and copying of the information or documents or parts there of are only permitted for private, non-commercial use.

2.3 All information and documents mentioned on the websites and protected by Santander Asset Management or a third party are protected by copyright.

3. No investment advice

3.1 All information and documents on securities or other information do not constitute financial investment advice or an offer of contract. The website merely provides non-binding information for orientation purposes. None of the information published is to be understood as an assurance or guarantee. The use of the Internet offer on the website of Santander Asset Management does not in itself constitute a contractual relationship, in particular not an investment advisory or information contract.

3.2 The published information and documents do not replace any needs-based, expert investment advice, which must be based on individual assets and investment situation and needs. Before making any investment decision, the user should not rely solely on the generally available information, but should seek individual advice in particular with regard to his personal circumstances and needs.

3.3 Santander Asset Management points out that securities trading involves risks that can lead to total loss of the capital invested. In making an independent decision, the user should pay particular attention to the following:

- The value of securities may fall as well as rise

- Changes in interest rates and/or exchange rates can have a negative impact on the price, value or income of a security

- The sale may not pay back the full amount invested

- Further individual costs such as taxes or commissions must be taken into account, which can be incurred in addition depending on personal circumstances.

4. Liability for content

As content provider, Santander Asset Management is responsible for its own information provided for use on this website in accordance with 7 para. 1 TMG (Telemediengesetz).

Santander Asset Management does not guarantee that the information and content provided is up-to-date, correct and complete. Santander Asset Management has no legal obligation to grant its use; therefore, the user has no contractual or quasi-contractual claims against Santander Asset Management.

According to 8 to 10 TMG, Santander Asset Management is not obliged to monitor third party information and is only liable from knowledge of a concrete infringement. Santander Asset Management will remove any illegal content immediately after becoming aware of it.

5. Links and frames

5.1 The creation of links from other websites to the Santander Asset Management website without the prior written consent of Santander Asset Management is expressly prohibited. In particular, it is not permitted to integrate or display the Santander Asset Management websites or their contents by means of a hyperlink in a frame.

5.2 If the websites of Santander Asset Management contain links to websites of third parties ("external links"), the following applies: Santander Asset Management has no influence on the content of third parties. The content of these websites, to which Santander Asset Management links, is not part of the offer of Santander Asset Management, unless it is pointed out separately. These websites are subject to the liability of the respective operators. Therefore Santander Asset Management cannot assume any liability for these external contents. When the external links were first established, Santander Asset Management checked the external content for possible legal infringements. At that time no legal violations were apparent. Santander Asset Management has no influence on the current and future design and content of the linked pages. A permanent control of these external links is not reasonable for Santander Asset Management without concrete evidence of violations of law. However, such external links will be deleted immediately if violations of the law become known.

6. Data protection

Santander Asset Management treats the personal data provided to it responsibly. Personal data is collected, processed and used in accordance with the applicable data protection regulations, in particular the BDSG and TMG. Details on topics relevant to data protection can be found in the data protection declaration.

7. Final provisions

7.1 Santander Asset Management is entitled to change or amend these general terms and conditions of use at any time.

7.2 Santander Asset Management reserves the right to restrict, change or adapt the content or tools accessible via the Websites at any time without prior notice, to make the previously free content available only against payment or to cease operation of the Websites altogether. The user does not need to be explicitly notified of such changes.