Jay Sidhu

Santander Holdings USA, Inc. is a parent holding company, which engages in the provision of banking services through Santander Bank. It operates through the following segments: Consumer and Business Banking; Commercial and Industrial Banking; Commercial Real Estate and Vehicle Finance; Corporate and Investment Banking; Santander Consumer USA Holdings Inc. and its subsidiaries (SC); and Other. The Consumer and Business Banking segment include consumer and business banking customers, including consumer deposit, business banking, residential mortgage, unsecured lending and investment services. The Commercial and Industrial Banking segment comprises commercial lines, loans, letters of credit, receivables financing, and deposits to medium- and large-sized commercial customers. The Commercial Real Estate and Vehicle Finance segment covers commercial loans to dealers and financing for commercial equipment and vehicles. The Corporate and Investment Banking segment focuses in the investment banking, institutional sales, and trading and offering research reports of Latin American and European equity and fixed-income securities. The SC segment encompasses consumer finance company focused on vehicle finance and third-party servicing. The Other segment involves in the certain unallocated interest expense on the company's borrowings and other debt obligations and certain unallocated corporate income and indirect expenses. The company was founded in 1987 and is headquartered in Boston, MA.

Atlantic Coast Financial Corp. operates as a bank holding company for Atlantic Coast Bank. Through the bank, it offers a range of products and services such as deposits such as noninterest-bearing and interest-bearing demand, savings and money market demand, as well as time deposit accounts with terms ranging from three months to five years; and investments in loans, including commercial real estate, consumer loans, first mortgages on owner-occupied one-to four-family residences, and home equity loans. The company was founded on June 22, 2007 and is headquartered in Jacksonville, FL.

Sovereign Bank provides banking services. Its services include retail banking, business and corporate banking, cash management, capital markets, wealth management, and insurance. The company was founded in 1907 and is headquartered in Reading, PA.

Atlantic Coast Federal Corp. operates as the holding company for Atlantic Coast Bank. The Bank provides provides various personal, business home loans and consumer Loans Services. It offers a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money market accounts, demand deposit accounts and time deposit accounts with varied terms ranging from 90 days to five years. Its principal business consists of attracting retail deposits from the general public and investing those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences, home equity loans, commercial real estate loans and, to a lesser extent, automobile and other consumer loans.The company was founded on January 1, 2003 and is headquartered in Waycross, GA

Santander Bank, NA engages in provision of financial products and services. It offers retail banking, mortgages, corporate banking, cash management, capital markets, trust and wealth management, and insurance. The company was founded in 2013 and is headquartered in Wilmington, DE.

Customers Bank engages in the provision of commercial and consumer banking services. It offers cash management, commercial and industrial loans, small business loans, commercial and multi-family real estate loans, certificates of deposit, residential mortgages, consumer loans, and savings, checking, and money market accounts. The company is headquartered in Wyomissing, PA.

New Century Bank (Pennsylvania) provides commercial banking services. It products include Deposit Products, Small Business Checking, Small Business Interest Checking (Non-Profits), Business Money Market, Escrow Accounts, Commercial Loan Products, Business Lines of Credit, Business Installment Loans, Commercial Mortgages and Construction Lending. The bank was founded in 1997 and is headquartered in Phoenixville, PA.