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Investor Presentaiton

WE CHANGED THE WAY OF DOING BUSINESS emDia. DEBT RENEGOTIATION PLATFORM FOCUS ON THE CUSTOMER JOURNEY QUICK REGISTRATION AND EASY NAVIGATION Santander Auto AUTO INSURANCE 100% DIGITAL USE OF BIG DATA FOR INSURANCE PRICING PENETRATION OF 16% IN SANTANDER'S 110k INSURANCE 4MM CUSTOMERS 650k R$ 46MM PROPOSALS IN 2020 CREDIT RECOVERY IN 2020 TORO BUSINESS COMBINATION¹ TORO'S VAST KNOWLEDGE IN EQUITIES Santander 1 Pending regulatory approvals + PI'S DEEP EXPERTISE IN FIXED INCOME FINANCING UNIT POLICIES +R$ 100MM PREMIUMS ISSUED 1st INSURANCE TO REACH THIS LEVEL IN ITS FIRST YEAR BENEFITS PLATFORM ben (PARTNER) MERCHANTS CARDS HR 338k 217k 1.4k OPERATING IN CORPORATE BENEFITS AND EXPENSE MANAGEMENT 30

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