CONFERENCE CALL INVITATION - Wednesday 10 October - 15.30 BST 16.30 CET

THIS ANNOUNCEMENT IS NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION DIRECTLY OR INDIRECTLY IN OR INTO THE UNITED STATES, CANADA, AUSTRALIA OR JAPAN CONFERENCE CALL INVITATION FORTIS, RBS AND SANTANDER DECLARE ABN OFFER UNCONDITIONAL You are invited to join a conference call with Fortis, RBS and Santander. The call will be chaired by Sir Fred Goodwin, Group Chief Executive, RBS. Jean Paul Votron, Chief Executive Officer, Fortis and Alfredo Saenz, Chief Executive Officer, Santander will also take part in the call. Date: Wednesday 10 October 2007 Time: 15.30 (BST) 16.30 (CET) Dial in numbers: +44(0)207 138 0811 UK Toll 0800 028 7847 UK Toll Free +1 718 354 1193 US Toll 1888 893 9532 US Toll Free +34 91 453 3434 Spain Toll +31(0)20 713 2789 Dutch Toll 0800 022 5992 Dutch Toll Free The Spanish conference call number will have Spanish simultaneous translation. The Banks will take questions after the presentation for a limited time. When invited, callers should dial *1 to register that they wish to ask a question. Please confirm whether you are able to attend by replying to mediarelations@rbs.co.uk. We would like to request that you call the number ten minutes before the start time to ensure the meeting starts promptly. There will be a replay facility on the media call. This can be accessed by dialling: +44(0)207 806 1970 UK Toll 0800 559 3271 UK Toll Free +1 718 354 1112 US Toll 1 866 883 4489 US Toll Free +34 91 788 9869 Spain Toll +31(0)20 713 2791 Dutch Toll 0800 027 0028 Dutch Toll Free Passcode for replay: 4767305# for English 9721647# for Spanish Webcast: Contacts: RBS Group Media Relations Tel: 0131 523 4414 Fortis Media Relations Brussells +32 (0) 2 565 35 84 Utrecht +31 (0) 30 226 32 19 Santander Media Relations +34 91 289 5211