Relax while you invest in your future
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Santander Securities has retained Pershing LLC (Pershing) to provide certain record keeping or operational services. Pershing is a member of the Securities Investor Protection Corporation (SIPC®). As a result, investor-owned assets held in custody by Pershing are protected by SIPC, up to $500,000 in value, including $250,000 for claims for uninvested cash awaiting reinvestment. SIPC provides protection for eligible client assets held in custody by a SIPC member brokerage firm should the SIPC member firm fail financially and become unable to meet the obligations to its clients. SIPC does not protect against losses due to market fluctuation or for client assets not held by a SIPC member. For more information about investor asset protection, visit SIPC’s web site at www.sipc.org.

In addition to SIPC protection, Pershing provides coverage in excess of SIPC from Lloyd’s of London in conjunction with other insurers.1 The current excess of SIPC policy is scheduled to expire on December 10, 2011. The excess of SIPC coverage provides the following protection for assets held in custody by Pershing and its London-based affiliate, Pershing Securities Limited:
. An aggregate loss limit of $1 billion for eligible securities—over all client accounts
. A per-client loss limit of $1.9 million for cash awaiting reinvestment—within the aggregate loss limit of $1 billion

The excess of SIPC coverage does not protect against loss due to market fluctuation.

For more information on the protection of assets held in custody at Pershing, please visit: http://www.pershing.com/strength_stability.html

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Our fixed income products play an integral role in the investment strategies of our clients.
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Our fixed income products play an integral role in the investment strategies of our clients. At Santander Securities we are proud to provide you with a large selection of fixed income securities including bonds, preferred stocks and fixed income mutual funds. We also provide our clients with a vast array of Tax Advantaged products.


To obtain more information about our fixed income products and capabilities, please contact a Financial Consultant to coordinate a meeting with one of our officials.

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We can build a portfolio from a vast array of stocks, tailored to your risk tolerance and investment goals.
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Santander Securities will provide you with a vast array of stocks to choose from and assists you in building a portfolio tailored to your risk tolerance and investment goals.

Our Financial Consultants, Capital Markets and Trading Team, and Research Department , work together to provide timely insight regarding United States, international and local stocks.
To obtain more information about our equity products products and capabilities, please contact a Financial Consultant to coordinate a meeting with one of our officials.

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The First Puerto Rico family of funds offers individual investors the advantages of professional money management and portfolio diversification.
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The First Puerto Rico family of funds offers individual investors the advantages of professional money management and portfolio diversification. In the First Puerto Rico family of funds, investors may choose to invest in either closed-end or open-end investment companies with investment objectives ranging from the preservation of capital to long term capital growth.

For your convenience and as an introduction to the First Puerto Rico funds, we have provided access to the most recent fact sheets for each of the funds. For more complete information about these funds, including charges and expenses, simply click on a fund below to download a prospectus. You may also obtain a prospectus by contacting Santander Securities.

These products are subject to market risk, including the loss of principal. Please refer to a fund's prospectus for a more detailed description of its investment objectives and the risk factors associated with such an investment.

These securities are being offered exclusively to individuals having their principal residence within the Commonwealth of Puerto Rico and to persons, other than individuals, whose principal office and principal place of business are located within the Commonwealth of Puerto Rico.

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Click here to see First Puerto Rico Family Funds Fact Sheets, Prospectus, Annual Reports

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We provide a diversified selection of Mutual Funds to choose from, depending on your particular investment needs.
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Through a distribution agreement, we provide you with a diversified selection of mutual funds to choose from depending on your particular investment needs. We also provide our NRA clients with a vast array of Off-Shore funds.

Prospectuses containing complete information about the
mutual funds being offered, which should be read carefully before making an investment decision, can be obtained at Santander Securities offices or by contacting one of our Financial Consultants.

These products are subject to market risk, including the loss of principal.

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Our proprietary money management program will allow you to choose from a wide spectrum of investment styles offered by wall street top portfolio managers.
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We provide you with the opportunity to participate in our proprietary money management program and choose from a wide spectrum of investment styles offered by Wall Street's top portfolio managers. By completing an Investor Profile Questionnaire your Financial Consultant can assess your risk tolerance, investment goals and objectives in order to determine an appropriate asset allocation strategy and suitable money manager based on your answers. Depending on your needs you can select from various investment styles and money managers specialized in each investment style.

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Our experience will assist you achieve your desired financial future.
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Your financial future is very important to us. We understand that in today's world we all need financial advice in order to enjoy a promising future. Whether your retirement is still far away, or even if you are close to retiring, planning is essential. In order to help you plan in an efficient way, we offer products that are suitable for your 401 K plan, Keogh plan or individual retirement accounts.

To obtain more information about retirement planning, please contact your Financial Consultant to coordinate a meeting with one of our Financial Consultants.

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If you are looking for long-term investment instruments that may be tax deferred and you are concerned about the cost of your retirement, a variable annuity may be the right choice for you.
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If you are looking for long-term investment instruments that may be tax deferred and you are concerned about the cost of your retirement, a variable annuity may be the right choice for you. Your Financial Consultant at Santander Securities can also offer you the opportunity to purchase products for tax-deferred growth purposes.

Prospectuses containing more complete information about the investment companies being offered, which should be read carefully before making an investment decision, can be obtained at Santander Securities offices or by contacting one of our Financial Consultants.

These products are subject to market risk, including the loss of principal. To obtain more information about variable annuities or our services and capabilities, please contact us to coordinate a meeting with one of our Financial Consultants.

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We can offer certain FDIC backed CD products linked to stock indexes.
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Santander Securities Corporation is agent for certain FDIC backed CD products linked to stock indexes.

To obtain more information about our Certificate of Deposit products and capabilities, please contact a Financial Consultant to coordinate a meeting with one of our officials.

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We offer currency conversion of the cash position of US dollar investment accounts to major currencies as EUR, JPY, CHF, GBP and others.
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SSC offers customers with traditional US dollar denominated investment accounts currency conversion of their cash positions to major currencies as EUR, JPY, CHF, GBP and others. And also the ability to transact equities and fixed income investment products in certain financial foreign markets.


To obtain more information about our Foreign products and capabilities, please contact a Financial Consultant to coordinate a meeting with one of our officials.

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We have established a program through our affiliate, Banco Santander Puerto Rico, which provides you with loans utilizing your investment holdings as collateral.
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We have established a program through our affiliate, Banco Santander Puerto Rico, which provides you with loans utilizing your investment holdings as collateral. The amount of collateral required will vary depending on the type of security to be used as collateral. Loans may be provided in the form of lines of credit or term

loans typically offered at a spread over a floating LIBOR ( "London Interbank Offered Rate" ) interest rate and are subject to credit approval and other requirements.

To obtain more information about collateralized loans, please contact your Financial Consultant to coordinate a meeting with a Financial Consultant.

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