COMPANYPRODUCTS AND SERVICES

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SantanderGroup.

Santander is a global bankwith strong corporatevalues:

• Strong Balance Sheet.

• Market Leadership.

• Geographical Diversi�cation.

• Geared towards Commercial Banking.

• E�ciency.

• Innovation and Dynamism.

• Risk Management.

• Corporate Social Responsibility.

• Professional Ethics.

• Delivering Results to Shareholders.

11With more than 150 years in the business, Santander has become one of the world's largest �nancial groups. This has been based on its sound, recurring, commercial business base and a high degree of geographical diversi�cation, with which it seeks to meet the �nancial needs of its Customers and earn growing pro�ts for its shareholders.Santander is present in the main regions in the world, especially Continental Europe. the United Kingdom, the United States and Latin America. In the latter, we are the region's leading franchise with leadership positions in Chile, Brazil, Mexico, Argentina and Uruguay, and poten-tial growth in Colombia, Peru and Puerto Rico.

• Leadership: We are a reference in every market in which we are present. We have the vocation to add value to our Customers, shareholders and employees.

• Management excellence: We strive for e�ciency, pro�tability and growth in our results by means of clear strategies, demanding, shared objectives, strict follow-up policies and control.

Because we are part of the Santander Group, we can o�er our Customers in Chile di�erentiated values, especially in the following:

Banco Santander Chile.

• We have the largest network of branches in the country, with around 500 from Arica to Punta Arenas, supplemented by 1,850 Automatic Teller Machines and Super Teller service centers.

• We have the best Electronic Banking in the market.

• We design special bene�ts for your company through our Credit Cards.

• We serve more than 3.5 million customers.

• We generate employment for more than 11,500 professional men and women.

axes of development and strategic marketsto project the Group in Chile.

We are presentin the country's main towns,

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Customer Oriented: We want to meet your needs by providing an o�er in line with your requirements, establishing relationships based on trust, transparency and keeping our promises.

Banco Santander Chile.

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Talent: We seek to foster an excellent working environment, by providing opportunities for personal and professional growth. The members of this organization are characterized by their high degree of professionalism and ability to work as a team.

Commitment to society: We contribute to improving the quality of life of everybody with whom we interact, through our Social Responsibility programs and our adherence to fundamental rights, equal opportunities, non-discrimination, quality work and protection of the environment.

Ethical standards: We ensure that our individual behavior, both inside and outside the institution, does not cause any material damage or moral prejudice, compromise or a�ect the image, dignity and prestige, both personal and of other employees of the Santander Group or third parties.

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In order to implement improvements in its Customer service and support the work of its Account Executives, Banco Santander has incorporated supplementary channels into its service model, including the following:

Multiple Channels.

Company VOX (600) 320 3003:A team of Specialist Executives available to our Customers, where the user can obtain information about the full range of �nancial products and services that we have available for them.

ATM:The largest network of Automatic Teller Machines in the country, available to check on balances, make activations and cash withdrawals 24-hours a day.

APP Banco Santander Chile:Everything you might expect from a mobile banking App: Easy to use. An App to hold the bank in your hands. Download the application in the o�cial stores of App Store and Google Play.

In O�ce banking,Electronic Banking for Companies,where you will be able to do the following:

Internet:

We have the best Electronic Banking,with a 24-hour service through our sites santander.cl and o�cebanking.cl

Make on-line payments using the Santander pay button on the Web pages of the Chilean Internal Revenue Service, TGR, Previred and others.

Unit or Mass on-line transfers of salaries and/or suppliers, to accounts of Banco Santander and other banks.

Buy and sell US dollars, which can be done on-line picking up the currency in the branch designated by the Customer.

International transfers, where you can send Bank Drafts abroad charging them to you foreign currency account and/or previously purchased foreign currency.

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4 SME and Corporate Banking.

Our philosophy, focused on, designed for andat the exclusive service of our Customers.

Providing information about the positionand evolution of the �nancial markets

The proximity of the Bank's Senior Management, fully available to and in constant contact with our Customers.

In our Small and Medium Sized Company and Company Banking, our service is based on a model founded on the following principles:

The bank top-level management team is fully available and in constant contact with our Customers.

An exclusive executive fully responsible for the products and services o�ered by the Bank.

Support from the product's teams of specialists: Cash-Management, International Business, Treasury, Investment Banking and Credit.

Company centers located in the country's main towns, where we have an account team and products with the necessary support to provide our Customers with a comfortable, agile, excellent service.

The Bank's network of o�ces for mass transactions requiring handling of cash or checks, which cover the country's main banking markets.

The electronic banking channel, O�ce Banking, equipped with state-of-the-art security and designed so that Customers can perform their transactions in a friendly, quick, e�cient manner, with a support center for advice and problem solving.

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SME and Corporate Banking.

Our philosophy for acting in the business world is to provide our Customers with a comprehensive service, so we perform speci�c analyses of each one's characteristics and needs, proposing an Annual Business Plan, supported by the product's specialists.

Thus, we can coordinate the activity with the Bank's other commercial teams, while always being alert to o�er any business opportunities made available by the market conditions that are most in line with their needs.

Our executives have been fully trained in �nancial matters and management, and this training is updated constantly through annual skills development programs.

Our Customer Management principles:

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Banco Santander also o�ers �nancial products and services that will allow you to grow your business in your own time:

Checking Account Plan, which includes Electronic Banking (O�ce Banking).

Payroll (expats).

Bilingual (Spanish/English) Customer Service number for International Desk clients, VOX ID +56 2 2320 3066.

Santander is the best ally for foreign companies interested in investing in Chile, or in setting themselves up abroad.

We have a group of very well prepared specialists to advise and provide the necessary references to support you in the process of making your company an international one.

This network, known as the International Desk, is made up of the Santander units in countries where the Bank is present and in which we maintain extensive participation in, and knowledge of, the market, with specialist executives that will support you with macroeconomic information about the local banking system and regulations.

International Desk.

Banco Santander also makes available its wide-ranging network of contacts: such as legal, tax and consulting �rms.

If you need more information, please visit www.santander.cl/pyme_empresas/international_desk_english

Argentina Brasil Chile Colombia Spain Mexico

Peru Puerto Rico Poland Portugal United Kingdom

Uruguay United States.

We are present in the following countries:

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You will be able to �nd:

In the Portal, you can become a member of Club Santander Trade, which will allow you to:

Santander Trade is available free of charge for the Customers of Banco Santander with O�ce Banking, by logging on to: O�ce Banking / Foreign Trade / Foreign Trade Portal.

Banco Santander has developed Santander Trade, a Foreign Trade Portal, which will help you connect to the international markets, opening a window for new business opportunities around the world, and answering any questions arising when you make your company an international one in a simple, agile, organized manner.

Santander Trade Portal6

Club Santander Trade.

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Information about all of the economic sectors, tari�s and regulatory frameworks of more than 185 countries.

Access to free databases of importers and exporters.

Access to more than 1 million tenders around the world.

More than 40,000 international trade fairs and much more.

Access a free on-line foreign trade course, certi�ed by the International Chamber of Commerce (ICC).

Get to know potential partners who are Customers of Banco Santander.

Access Webinars, on-line expositions on subjects of interest.

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Payment of Suppliers (associated with a commission according to the transactional contract rates).

Payroll Payments (fees may vary according to the cash management contract rates).

Bene�ts plan (optional):

Partner plan (maximum of 3, which may be contracted by the partners of the Company).

Current Account Plan

Banco Santander has designed a Comprehensive Plan that seeks to meet the needs of its Customers, and which is made up of a range of commercial products and transactional services with the best electronic banking platform for Companies - O�ce Banking.

Commercial products:

Checking Account Plan (maximum of 3, with up to 2 in local currency and 1 in a foreign currency - US dollar or Euro).

Automatic Credit Lines (maximum of 2: one in Chilean Pesos and one in foreign currency such as Euro or US Dollar).

Credit Cards (maximum of 2, with 1 being Cocha and/or 1 Treasury, or 2 Cocha).

O�ce Banking.

Fraud Insurance + Blocking + Advisory Services.

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Collection.

This service allows your Company to delegate management of the collection of its notes, such as drafts, promissory notes and invoices, reducing the amount of bad debts and improving the delinquency indexes of your accounts receivable portfolio.

On-line Payment.

Electronic collection service, which allows a company's customers, who, in turn, are Customers of the Bank, to pay their obligations via the Internet charging them directly to their Current Accounts and/or Demand Accounts.

Payment Button.

System of Payment of utility accounts that may be made by Santander Customers on the companies' Web pages.

Collection services:

It makes managing the Company simpler by taking charge of all of the collections and payments, while also providing updated information at all times.

Collection by bank tellers.

We make the largest network of branches in the country available to your Company to collect the installments paid by your Customers', receiving the payment coupon in the bank's tills. These funds are credited directly to your Company's Current Account, expediting orderly �ows of the money received.

This service consists of the electronic receipt of sales or services o�ered to its Customers by the Company, such as school fees, installments and donations.

Electronic PAC - Banco Santander and other banks.

Payment and Collection Service

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Payment of taxes

It allows the Company to pay its tax obligations on line, via www.SII.cl

Social Security Payments.

It allows the Company to make any pension fund and health insurance payments of its employees.

Payment of Suppliers.

It allows payment of the suppliers to be delegated to the Bank, simplifying the company's administrative tasks, since it sends orders for payment that may be made on line or scheduled via O�ce Banking.

Payment of Salaries.

It allows the sta� salaries to be paid via O�ce Banking on line or on the date stipulated by the Company, with di�erent methods of payment available.

Payment services:

Payment and Collection Service

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State Guarantees.

State Guarantees are aimed at legal entities and individuals who have a line of business that needs �nancing of their Working Capital, Investments in Fixed Assets and Re-�nancing, for Companies that do not have su�cient guarantees to opt for �nancing under normal terms and conditions.

Commercial credit in local and foreign currencies.

It enables their Working Capital expenses, such as purchasing goods and paying suppliers, or also minor investments, such as machinery repairs, to be �nanced.We have alternatives available that will allow you to manage your cash �ows during that time and give continuity to your business operations.

Leasing.

Leasing is a �nancial instrument that allows you to have available the necessary assets to increase your competitiveness and carry out your business or professional activity, while enjoying the maximum tax and �nancial advantages.

Factoring.

Through this service, you can anticipate paying your bills and access to quick �nancing. Your company will improve its �nancial ratios by selling accounts receivable and payment of liabilities, obtaining liquidity in an agile way.

Financing.

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Import Order of Payment.

International means of payment, whereby a Chilean company pays for an import by means of a remittance abroad.

Import Collection.

This alternative allows the Company to access imports under collection at deadlines agreed to with its suppliers.

Cash Financing.

Your Company can pay for an import in cash, with �nancing from Banco Santander.

Import Letter of Credit.

This is the most secure means of payment in foreign trade, since it stipulates the commercial terms and conditions (amount, goods, shipping deadlines, payment deadlines, etc.) between the buyer and the seller.

International Business.

As a way of supporting management of your Company, our Bank will assign you a professional International Business Executive highly trained in foreign trade, who will support you with speci�c solutions according to your needs.

Products for import:

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Products for export:

Export Collection.

We manage collection of your exports through a correspondent bank. The Company maintains control over the documents supporting the export.

Advanced Loans to Exporters (PAF).

Credits in foreign currency or local currency (CLP$ or US$) granted by Banco Santander to its exporting Customers in order to �nance shipments.

Export Letter of Credit.

Document issued by a bank abroad (Issuing Bank), whereby it promises to pay the exporter (Bene�ciary) in Chile a given amount of money, if the conditions stipulated in that document are met.

Export Repatriation Proceeds.

Banco Santander has an automatic system for crediting all of the export repatriation proceeds received to the foreign currency Current Account.

International Business.

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Domestic or Local Letter of Credit.

Instrument issued by Santander (Issuing Bank) on behalf of one of its Customers (Orderer), which allows an individual or a legal entity (Bene�ciary) to draw a given amount of money against Santander (Issuing Bank), always provided the terms and conditions stipulated and required in it are met.

Issue of a Stand-By Letter of Credit.

Guarantee the obtaining of �nancing in international markets.

Issue performance bonds abroad.

Current Account in a Foreign Currency.

It has unique market characteristics that will allow you to buy US dollars on line, make electronic transfers on line, visualize checks, deposits and have an automatic overdraft facility.

Other International Business Products.

International Guarantee, which may used to:

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Mutual funds.

A Mutual Fund is equity made up of contributions by indivi-duals and legal entities for investing in publicly traded securi-ties and goods allowed by the law, which is managed by a corporation on behalf and at the risk of those participating in the fund. These may be short, long or medium-term Structu-red Capitalization Instruments, with levels of risk as preferred by the customer.

Time Deposits.

A Time Deposit is an investment or amount of money given to a �nancial institution for the purpose of achieving a return on it at a stipulated rate and for a stipulated period. These may be �xed-term or renewable. Their minimum term in Chilean pesos is 7 days and their maximum 365 days. If in UF (Chilean in�ation index-linked units of account), the minimum term is 90 days and the maximum 365 days.

Banco Santander o�ers Companies investment products and foreign currency through its Financial Products Desk. To that end, it has Specialist Operators assigned to each company, who will o�er them the products that are most suited to their needs.

Financial Products.

The products we have available for your Company include the following:

Investment:

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Exchange Market:

Purchase and Sale of Foreign Currencies.

In order to support all of the operations stemming from the exports and/or imports made by your company, we buy and sell the most representative Foreign Currencies in foreign trade, including Euros, US dollars, pounds sterling and Chilean pesos.

 Traditional Forward.

A Traditional Forward is an exchange rate hedging product aimed at Exporters and Importers, which allows them to be protected against future �uctuations in the exchange rate.

 American Forward.

A Product for Exporters and Importers, which allows them to ensure a US dollar exchange rate at a future date and a predeter-mined amount of US dollars. In contrast to a Traditional Forward, the Customer may use the amounts in dollars in advan-ce when he needs to, and he may do so as often as he requires during the life of the contract, at the price stipulated in it, until the amount covenanted has been consumed.

Exchange Rate Options.

A hedging product aimed at Exporters and Importers, which, by paying an initial premium, allows them to set a minimum and/or maximum level for the exchange rate they require. Its term is from 60 to 360 days, with a minimum amount to be hedged of USD10,000.

Financial Products.

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In Santander S.A. Corredores de Bolsa, we have one of the best domestic market Research Departments, recognized as such by several specialized media, both local and international.

We have top-level executives forming multi-disciplinary teams, who are able to support our Customers in designing and making decisions about their investments. Closeness with our Customers is the pillar on which our work is built. We cultivate an in-depth, recurring business relationship, reporting on the markets, their projections, investment alternatives and the recommendations of our Research team on a daily basis.

Santander S.A. Corredores de Bolsa.

As well as:

• Research covering the main companies in Chile and Latin

America.

• Knowledge of the Markets.

• Excellent Execution.

• Competitive, Transparent Costs.

• Solid Equity Base.

• Support for the Risk of the Securities in Safe-Keeping.

In Santander S.A. Corredores de Bolsa, we o�er our Customers a wide range of products, including especially the following:

• Local Shares.

• International Shares.

• Simultaneous operations: Purchasing shares with �nancing.

• Local Fixed Income.

• Safe-Keeping of Securities.

We o�er a true business relationship: Support, transparency, research, closeness and top-level executives.

Our products:

THE WORLDIS WAITING.

The Santander Trade Portal provides a series of content and tools which are supplied and managed by Export Enterprises S.A., where Banco Santander acts as a facilitator of the access to the portal for those companies who have contracted the O�ce Banking service with the bank, but is totally unrelated to the content and services provided, which are entirely a liability of Export Enterprises S.A. Therefore any issue or incident related with the site or the content and services o�ered therein shall be settled directly between the user who has accepted the terms of use of the Website and Export Enterprises S.A., having Banco Santander and/or any of its subsidiaries no accountability and/or responsibility whatsoever regarding the issue. The online foreign trade training program “Going Global” is conducted by the International Chamber of Commerce (ICC) through Banco Santander, and is of exclusive Bene�t for Corporate and SMEs clients of Banco Santander. The opening and signing of the plan, as well as the de�nitive product requirements that comprise it, as well as the granting of credits are conditioned to the request of customers and to the results of the commercial evaluation in accordance with Bank policies. Banco Santander Chile is underwriter of di�erent mutual funds managed by Santander Asset Management S.A. General Fund Administrator. Financial and risk management of these mutual funds are unrelated to the business group to which they belong and to the placement agents. Shares are essentially equity instruments and past performance is not guaranteed in the future. In fact, some transactions may involve substantial risk and are not suitable for all investors.