Privacy Information

FACTS

What does Santander Bank do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• Account balances and payment history
• Credit history and credit scores

How?

All financial companies need to share customers' personal information to run their everyday business—to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list reasons financial companies can share their customers' personal information; the information Santander chooses to share; and whether you can limit this sharing.

Reasons we can share your
personal information

Does Santander Bank share?

Can you limit this sharing?

For our everyday business purposes—
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

YES

NO

For our marketing purposes—
to offer our products and services to you

YES

NO

For joint marketing with other financial companies

YES

NO

For our affiliates' everyday business purposes—
information about your transactions and experiences

YES

NO

For our affiliates' everyday business purposes
information about your creditworthiness

YES

YES

For our affiliates to market to you

YES

YES

For our nonaffiliates to market to you

NO

N/A

To limit
our sharing.

• Call 1-877-768-2265* - our menu will prompt you through your choice(s)
• Visit us online: https://www.santanderbank.com/marketing-preferences

Please Note: If you are a new customer, we can begin sharing your information (30) days from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 1-877-768-2265* or go to https://www.santanderbank.com/marketing-preferences

Hearing- and speech-impaired customers may call 7-1-1 or their preferred relay service.

Who we are.

Who is providing this notice?

Santander Bank, N.A.

What we do.

How does Santander Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Only employees, companies that work on our behalf, and other parties, as required or permitted by law, are allowed access to your information.

How does Santander Bank collect my personal information?

We collect your personal information, for example, when you:

• Open an account or deposit money
• Pay your bills or apply for a loan
• Use your credit card or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

• Sharing for affiliates' everyday business purposes – information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply individually, unless you choose to express a preference for all account holders on your account.

Definitions.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include companies with the word "Santander" in their name.
• Our affiliates include financial companies such as Banco Santander, S.A., Santander Puerto Rico, Santander Holdings USA, Inc., Santander Consumer USA, Santander Securities LLC, and Santander Insurance Agency U.S. LLC.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Santander does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include credit card and insurance companies.

Other important information.

INDIVIDUALS OUTSIDE THE USA: This website is not directed towards individuals located in the European Union.

PROTECTING CHILDREN’S PRIVACY ONLINE: Our online sites are not intended for children under the age of 13. We do not knowingly collect personal information from individuals under the age of 13 without parental consent. To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s Website at https://www.ftc.gov/.

SPECIAL NOTICE FOR CALIFORNIA AND VERMONT RESIDENTS: The information practices we have described above comply with federal law. Vermont and California laws place additional limits on sharing information about their residents. If you are a Vermont or California resident, we will automatically limit the disclosure of your information within and outside our family of companies as permitted or required by applicable law or regulation.

FOR NEVADA RESIDENTS: We are providing you this notice pursuant to Nevada law. At any time, you may request to be placed on Santander’s internal do not call list by visiting santanderbank.com/us/online-privacy-policy. You may also reach Santander Bank’s customer service department at: Santander Bank, Mail Code: RI1-EPV-02-18, 95 Amaral Street, East Providence, RI 02915, by phone at 877-768-2265, or on the web at santanderbank.com/personal/contact-us. For more information on this Nevada law, you may contact the Bureau of Consumer Protection, 55 East Washington Avenue, Suite 3900, Las Vegas, NV 89101, Phone: 702-486-3132, email: bcpinfo@ag.state.nv.us