Santander Bancorp Watch

from 8-K 29 pages Loan Agreement Dated May 24, 2010 Santander Bancorp (“Santander Bancorp”) Santander Financial Services, Inc. (“Santander Fs”) (Each a “Borrower” and Together the “Borrowers”) Banco Santander Puerto Rico (“Bank”) Loan Agreement Contents

from 8-K 29 pages Loan Agreement Dated March 23, 2010 Santander Bancorp (“Santander Bancorp”) Santander Financial Services, Inc. (“Santander Fs”) (Each a “Borrower” and Together the “Borrowers”) Banco Santander Puerto Rico (“Bank”) Loan Agreement Contents

from 8-K 29 pages Loan Agreement Dated January 22, 2010 Santander Bancorp (“Santander Bancorp”) Santander Financial Services, Inc. (“Santander Fs”) (Each a “Borrower” and Together the “Borrowers”) Banco Santander Puerto Rico (“Bank”) Loan Agreement Contents

from 8-K 29 pages Loan Agreement Loan Agreement Contents

from 8-K 30 pages Ex-10.1 Loan Agreement

from 8-K 14 pages Amended and Restated Usd 725,000,000 Loan Facility

from 8-K 19 pages (A) by a Loan Agreement Dated 27 February, 2006 (The “Original Loan Agreement”) the Original Lender Agreed to Make Available to the Borrower a Loan Facility of Usd 725,000,000 (Seven Hundred and Twenty Five Million US Dollars). (B) at the Date of This Agreement the Facility Has Been Drawn Down in Full and the Principal Amount of Usd 725,000,000 (The “Loan”) Is Outstanding to the Original Lender Together With Accrued Interest From 27th February, 2006. (C) the Original Lender and the New Lender Have Agreed That the Original Lender Shall Transfer by Novation Its Rights and Obligations Under the Loan Agreement, Including Its Rights to Accrued Interest, to the New Lender on the Effective Date, and the Borrower Has Consented to the Transfer of the Loan and All of the Borrower’s Obligations Under the Original Loan Agreement to the New Lender. (D) the Borrower and the New Lender Have Agreed That the Original Loan Agreement Be Amended and Restated on the Effective Date. Now It Is Hereby Agreed and Declared as Follows

from 10-Q ~5 pages Ex-10.14 Loan Agreement Between Santander Bancorp/Santusa Holdings

from 10-Q ~50 pages $50,000,000 Puerto Rico Industrial, Tourist, Educational, Medical and Environmental Control Facilities Financing Authority Revenue Bonds, Series A