Santander US Quarterly Financial Analysis

COVID-19 Employees Communities Santander US COVID-19 Relief Efforts 90%+ of employees outside the retail network are working from home Temporary Emergency Paid Leave Program, premium compensation to frontline employees 75% of Santander Bank branches remain open with enhanced sanitization protocols SAN US will provide $25M in financing to Community Development Financial Institutions SC donated $3M to organizations serving vulnerable populations hardest hit by the crisis SC Granted ~730,000 loan and ~70,000 lease deferrals since the beginning of the pandemic¹ Enhanced digital tools to manage accounts SBNA Temporary payment suspension, refunding late payment and overdraft fees Suspended collection calls and mortgage/HELOC foreclosures Waiving CD early withdrawal penalties and outgoing wire fees SBNA deployed substantial resources to support the Paycheck Protection Program ("PPP") 7 1 | Data from March 1, 2020 - June 30, 2020 Santander

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