SANTANDER SELECT

Promoting the sale of credit card accounts through the administration of incentive award program

Banking services, namely, checking accounts, savings accounts, debit card services, credit card services certificates of deposit, Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; consumer and commercial lending services; Brokerage services for stocks and bonds; Business, stock option and pension valuation services; Financial advice and consultancy services; Financial and investment services, namely, management and brokerage in the fields of stocks, bonds, options, commodities, futures and other securities, and the investment of funds of others; Financial consultancy and insurance consultancy; Financial consulting services, namely, expert analysis in finance; Financial services, namely, administration of transactions involving funds drawn from securities, stocks, funds, equities, bonds, cash, or other types of financial investments in retirement plans using a check or negotiable order of withdrawal over a global data network; Insurance agencies; Insurance agency and brokerage; Insurance and financial information and consultancy services; Insurance services, namely, underwriting, issuing and administration of life insurance; Monetary exchange; Real estate financing services; Real estate investment service

Concierge services for others comprised of making requested personal arrangements and reservations and providing customer-specific information to meet individual needs rendered in banking and financial advisory centers