ank Private Bank 345 Park Avenue, 27th Floor mew York, NV 10154 Off i ce Cel 1 : From: Chip Packard/db/dbcom To: Paul Morri s/db/dbcom, Cc: Haig Ari yan/db/dbcom, Andrew Galli van/db/dbcom Date: 09/17/2013 10:10 PM Subject: Re: southern financial et al [I] Great news! Congrats Paul. Chip Packar

Y 10154 Office 212 454 4433 Cell E-Fax From: Joshua Shoshan/db/dbcom To: Caroline Kitidis/db/dbcom, Cc: Chip Packard/db/dbcorm&OBAmeri cas , Haig Ari yan/db/dbcom&OBAme ri cas Tazia Smi th/db/dbcom, Michael Iaqui nta/db/dbcom Date: 01/21/2014 02:16 PM Subject: Re: Fw: KCP IOI: Santander IPO [I]