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¹ For a limited time, on Small Business Lines of Credit (“BLOC”) between $10,000 and $500,000, pre-selected, qualified, and approved applicants are eligible to receive an introductory variable interest rate for 12 months following the BLOC closing of Prime Rate plus 0.00%, depending on creditworthiness and other factors as determined by Santander in its sole discretion. “Prime” or “Prime Rate” means a variable per annum rate of interest selected by Santander in its sole discretion from time to time, and is subject to change without notice. The Prime Rate is 3.50% as of 3/16/2022. On the first-year anniversary of the BLOC closing, the interest rate will convert to a variable rate between Prime Rate plus 0.25% and Prime Rate plus 9.00%, as determined and disclosed to you by Santander at the BLOC closing. To qualify for one of the 12-month introductory rates, an approved business applicant must: (i) Have, or open at time of BLOC closing, a Santander Business Checking or Santander Business Checking Plus account, and (ii) Have, or enroll in at BLOC closing, automatic pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the BLOC. The applicable rate, including, but not limited to, any introductory rate, is at all times subject to the terms and conditions of the loan documents. If the Prime Rate is less than zero, it shall be deemed to be zero. For qualified and approved applicants, additional fees, terms, and conditions may apply. Offer expires 03/31/2022.

² For a limited time, for approved applicants, obtain a Small Business Term Loan between $10,000 and $1,000,000 for terms up to five years and pay interest only for the first 12 months. After 12 months, regular monthly payments will apply and fully amortize the loan over the remaining term. The interest rate will be determined at time of approval. To qualify for the origination fee waiver, an approved business applicant must: (i) Have, or open at time of loan closing, a Santander Business Checking or Santander Business Checking Plus account, and (ii) Have, or enroll in at loan closing, automatic pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the term loan. The loan is at all times subject to the terms and conditions of the loan documents. Additional fees, terms, and conditions may apply. Santander reserves the right to cancel or modify this origination fee waiver practice at any time in its sole discretion.

³ Small business financing products are available to qualified applicants with annual revenues up to $3,000,000, subject to underwriting and credit rules, policies, and guidelines of Santander Bank, N.A. (“Santander”). Credit decisions are made by Santander in its sole discretion and subject to change at any time without notice. Offers do not apply to loans that require a guarantee from the U.S. Small Business Administration or existing Santander loans and credit transactions. To apply for these offers, applicants must submit a signed and completed application and any other information requested by Santander by 03/31/2022.

⁴ For qualified businesses applying for unsecured credit between $10,000 and $100,000, as soon as next-business-day credit decisions may be available and financial statements or pledged collateral will not be required at time of application unless: (1) your business is a not-for-profit organization; or (2) your business's existing Santander business credit exposure at time of loan application, in addition to the loan application request amount, exceeds or will exceed $100,000; or (3) your business's existing Santander business credit exposure at time of loan application, in addition to the loan application request amount, is more than 10% of your business's most recent annual sales; or (4) your business is applying for a commercial real estate loan. Other restrictions or conditions may also apply.

⁵ For qualified and approved business applicants, between 01/12/2022 and 03/31/2022, Santander will waive the one-time origination fee of $250 on a new business line of credit (“BLOC”) between $10,000 and $500,000, if the approved applicant either (i) has, or opens at time of BLOC closing, a Santander Business Checking or Business Checking Plus account, and (ii) has, or enrolls in at time of BLOC closing, pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the BLOC. Additional fees, terms, and conditions may apply. Santander reserves the right to cancel or modify this origination fee waiver practice at any time in its sole discretion.

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2022 Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. All other trademarks are the property of their respective owners. Santander Bank is not affiliated with First Data.