0001104659-05-025444 Sample Contracts

Exhibit B
Customer Agreement • May 26th, 2005 • Relational Investors LLC • Savings institution, federally chartered • New York

The following is the form of Customer Agreement entered into by certain of the Reporting Persons, although there may be minor variations between or among the agreements executed.

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Exhibit C JOINT FILING AGREEMENT
Joint Filing Agreement • May 26th, 2005 • Relational Investors LLC • Savings institution, federally chartered

In accordance with Rule 13d-l(k) under the Securities Exchange Act of 1934, as amended, the persons named below agree to the joint filing on behalf of each of them of a statement on Schedule 13D (including amendments thereto) with respect to the common stock, no par value, of Sovereign Bancorp, Inc. and further agree that this Joint Filing Agreement be included as an Exhibit to such joint filing. In evidence thereof, the undersigned hereby execute this Agreement this 25th day of May, 2005.

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