Regulatory reference documentation

The documentation captured below includes the Bank's most recent CRA Performance Evaluation, the Bank's CRA Disclosures, and an instructional guide that will show you how to access the Bank's HMDA data.

Below is a copy of the Bank’s most recent CRA Performance Evaluation

The CRA data includes small business and small farm lending the Bank produces on an annual basis. The CRA Disclosure
Statements featured below contain the Bank's lending activity for the prior two calendar years. However, the Disclosure
Statements can also be viewed at an external website through the Federal Financial Institutions Examination Council (FFIEC).
To view the Disclosure Statements, follow the FFIEC link below and enter the year you wish to review along with the
Respondent ID or Institution Name.

FFIEC Link: https://www.ffiec.gov/craadweb/DisRptMain.aspx
Respondent ID: 0000025022
Institution Name: Santander Bank

Home Mortgage Disclosure Act (HMDA) Notice

Santander's home mortgage data is available online for review. The data shows geographic distribution of loans and
applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and
denials. Captured below we've included instructions to utilize if you need assistance accessing the HMDA Data maintained on
the Consumer Financial Protection Bureau (CFPB) site.

Optional Data- Consumer Loans

The Bank has elected to collect and maintain data for consumer loans originated or purchased by the Bank for consideration under the lending test. The information captured is related to the two prior calendar years. The data shows distribution of loans by income category to individuals or geographies and whether activity is located inside or outside of the Bank's Assessment Areas.