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0000950103-06-001497 Sample Contracts

AMENDMENT TO INVESTMENT AGREEMENT
Investment Agreement • June 9th, 2006 • Banco Santander Central Hispano Sa • Commercial banks, nec

This AMENDMENT (this “Amendment”) to the Investment Agreement (the “Agreement”) dated as of October 24, 2005 between Banco Santander Central Hispano, S.A., a Spanish sociedad anónima (“Buyer”), and Sovereign Bancorp, Inc., a Pennsylvania corporation (the “Company”), is made as of November 22, 2005, between Buyer and the Company.

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INVESTMENT AGREEMENT dated as of October 24, 2005 between BANCO SANTANDER CENTRAL HISPANO, S.A. and SOVEREIGN BANCORP, INC.
Investment Agreement • June 9th, 2006 • Banco Santander Central Hispano Sa • Commercial banks, nec • New York

AGREEMENT (this “Agreement”) dated as of October 24, 2005 between Banco Santander Central Hispano, S.A., a Spanish sociedad anónima (“Buyer”), and Sovereign Bancorp, Inc., a Pennsylvania corporation (the “Company”).

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REGISTRATION RIGHTS AGREEMENT
Registration Rights Agreement • June 9th, 2006 • Banco Santander Central Hispano Sa • Commercial banks, nec • New York

AGREEMENT (this “Registration Rights Agreement”) dated as of October 24, 2005 between Banco Santander Central Hispano, S.A. and Sovereign Bancorp, Inc.

Sample 1
VOTING TRUST AGREEMENT
Voting Trust Agreement • June 9th, 2006 • Banco Santander Central Hispano Sa • Commercial banks, nec • New York

VOTING TRUST AGREEMENT (this “Trust Agreement”), dated as of May 31, 2006, by and among Banco Santander Central Hispano, S.A., a Spanish sociedad anónima (the “Stockholder”), Sovereign Bancorp Inc., a Pennsylvania corporation (the “Company”), and The Bank of New York (the “Trustee”).

Sample 1
SECOND AMENDMENT TO INVESTMENT AGREEMENT
Investment Agreement • June 9th, 2006 • Banco Santander Central Hispano Sa • Commercial banks, nec

This SECOND AMENDMENT (this “Second Amendment ”) to the Investment Agreement (the “Agreement”) dated as of October 24, 2005 and amended as of November 22, 2005 between Banco Santander Central Hispano, S.A., a Spanish sociedad anónima (“Buyer”), and Sovereign Bancorp, Inc., a Pennsylvania corporation (the “Company”), is made as of May 31, 2006, between Buyer and the Company.

Sample 1