Investor Presentaiton

CREATING A NEW DYNAMIC FOR THE PAYMENTS INDUSTRY CARDS TURNOVER 242BI IN 2020 +44% 2020 VS 2017 SANTANDER ACCOUNT HOLDERS 70% SHARE OF ACCOUNT HOLDERS IN THE CARD BASE +2.4x MORE PROFITABLE THAN SINGLE-PRODUCT CUSTOMERS SX CARD "CLIQUE E RETIRE" NEW CARD DELIVERY MODEL SX VISA Santander 1MM CARDS ISSUED, BEING SEGMENT REPOSITIONING 723k UP TO DEC-20 78% SHARE OF CARD ISSUANCES SX 15% +36MM NUMBER OF TRANSACTIONS MARKET SHARE PIX SENT FINANCIAL VOLUME +43 Bi FINANCIAL VOLUME 28

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