Dated 28 May 2007 THE ROYAL BANK OF SCOTLAND GROUP PLC and BANCO SANTANDER CENTRAL HISPANO, S.A. and FORTIS N.V. and FORTIS SA/NV and RFS HOLDINGS B.V. CONSORTIUM AND SHAREHOLDERS’ AGREEMENTConsortium and Shareholders’ Agreement • July 2nd, 2007 • Banco Santander Central Hispano Sa • Commercial banks, nec • Santander
