Plan Benefits

• Purchase up to $10,000 per month of Sovereign common stock with minimal fees
• Hold your shares in book-entry form at Mellon Investment Services LLC rather than in the form of a physical stock certificate
• Manage all account functions online via Mellon Investor ServiceDirect^®

Program Enrollment
Optional cash investments can be made monthly on or before the 15th. All optional cash investments received after the 15th will be applied to the next monthly investment period.

• New Investors—Make an initial minimum investment of $250 in Sovereign common stock or invest as little as $25 for 10 consecutive months if you sign up for automatic monthly cash debits from your bank account
  
  Enroll online or call 866-353-7849 to request a paper enrollment form
• Current Shareholders—If you already own our common stock, and the shares are registered in your name, you may participate immediately by logging into Mellon Investor ServiceDirect