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Legal notice

Legal: *Amount corresponding to the first year of the mortgage loan. Following the first year, this will be adjusted upwards or downwards to reflect changes in the Euribor rate. Amount calculated for a mortgage loan; 100.0% of the lowest of the appraised value of the property or the purchase price; term: 40 years; interest rate: Euribor + 1.25 %. Variable APR: 1.819 %. The Euribor published in the Official State Gazette (BOE -boep): 0.163 %. Review: annual; payments: monthly. Arrangement fee: 0.5 %. Total or partial repayment fee of 0.50 % of the capital repaid early, if the repayment is within the first 5 years of the loan, or 0.25% after 5 years. Conditions to be met by the client: direct payment of salary, social security or professional fees into bank account and contracting of comprehensive home insurance with Santander Seguros. If conditions are not met: Euribor + 1.90%. Variable APR: 2,822%. The variable APR is calculated on the assumption that the reference indices do not change. Offer valid until 31/12/2014. Offer valid until 7. Operation granted by Banco Santander and subject to prior approval

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