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Investor Presentaiton

DEFERRED LOAN PORTFOLIO IN LINE WITH THE PORTFOLIO PROFILE PORTFOLIO BREAKDOWN R$ 40.6Bi PORTFOLIO DEC-20 25% R$ 9.2 Bi AMORTIZED 4Q20 VS 2Q20 75% Corporate & SMEs Individuals >50% INDIVIDUALS COLLATERALS 5.5% NPL FROM 15 TO 90 DAYS >85% RATED¹ AA-C Santander 1 Based on Brazilian Central Bank's criteria 36

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