-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 NZyJi4Q3SYp/eETs9o5KC45p29IM+bSneW1F32ZXUnGVobafwZ1OY8rw0A3rmTSB
 US5pEL0HaT+wwRpL5v3bPg==

<SEC-DOCUMENT>0000950103-03-001529.txt : 20030714
<SEC-HEADER>0000950103-03-001529.hdr.sgml : 20030714
<ACCEPTANCE-DATETIME>20030714122818
ACCESSION NUMBER:		0000950103-03-001529
CONFORMED SUBMISSION TYPE:	20-F/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20021231
FILED AS OF DATE:		20030714

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANCO SANTANDER CHILE
		CENTRAL INDEX KEY:			0001027552
		STANDARD INDUSTRIAL CLASSIFICATION:	FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC [6099]
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		20-F/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14554
		FILM NUMBER:		03784947

	BUSINESS ADDRESS:	
		STREET 1:		BANDERA 140, PISO 19
		CITY:			SANTIAGO CHILE
		STATE:			F3
		BUSINESS PHONE:		562-320-8284

	MAIL ADDRESS:	
		STREET 1:		BANDERA 140, PISO 19
		STREET 2:		-
		CITY:			SANTIAGO CHILE
		STATE:			F3

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANK SANTIAGO
		DATE OF NAME CHANGE:	19970630

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANK OF SANTIAGO
		DATE OF NAME CHANGE:	19961125
</SEC-HEADER>
<DOCUMENT>
<TYPE>20-F/A
<SEQUENCE>1
<FILENAME>jul0803_20fa.htm
<TEXT>
<!DOCTYPE HTML PUBLIC "jul0803_20fa">


<HTML>
<HEAD>
   <TITLE>jul0803_20fa</TITLE>
   <META name="HandheldFriendly" content="true">
</HEAD>

<BODY bgcolor="#ffffff">
<div align="center"><A name="page_1"></A>
  <hr align="center" width="100%" size="4" noshade color="#000000" style="margin-top: -2px">
  <hr align="center" width="100%" size="1" noshade color="#000000" style="margin-top: -10px">
  <br>
  <br>
  <B><FONT size=4 face="serif">SECURITIES AND EXCHANGE COMMISSION</FONT></B><br>
  <B><FONT face="serif">Washington, D.C. 20549 <br>
  </FONT></B> </div>
<hr align="center" width="15%" size="1" noshade>
<div align="center"><B><FONT size=4 face="serif"> <br>
  FORM 20-F/A </FONT></B> </div>
<P align="center"> <font face="Wingdings">o</font>&nbsp;<FONT size=2 face="sans-serif"></FONT><FONT size=2 face="serif">REGISTRATION
  STATEMENT PURSUANT TO SECTION 12(b) OR (g) <br>
  OF THE SECURITIES EXCHANGE ACT OF 1934 <br>
  OR </FONT> </P>
<P align="center"> <FONT size=2 face="sans-serif"> </FONT>&nbsp;<font face="Wingdings">x</font>&nbsp;<FONT size=2 face="serif">ANNUAL
  REPORT PURSUANT TO SECTION 13 OR 15(d) <br>
  OF THE SECURITIES EXCHANGE ACT OF 1934<br>
  </FONT><B><FONT size=2 face="serif">for the fiscal year ended December
  31, 2002 </FONT></B> </P>
<P align="center">
<FONT size=2 face="serif">OR </FONT>
</P>
<P align="center"> <font face="Wingdings">o</font>&nbsp;<FONT size=2 face="sans-serif"></FONT><FONT size=2 face="serif">TRANSITION
  REPORT PURSUANT TO SECTION 13 OR 15(d)<br>
  OF THE SECURITIES EXCHANGE ACT OF 1934 </FONT> </P>
<div align="center"><FONT size=2 face="serif">Commission file number 1-14554
  </FONT> </div>
<div align="center"><B><FONT size=4 face="serif">BANCO SANTANDER-CHILE</FONT></B></div>
<div align="center"><B align="center"><FONT size=2 face="serif">(FORMERLY
  KNOWN AS BANCO SANTIAGO)</FONT></B><B><FONT size=1 face="serif"> </FONT></B>
</div>
<div align="center"><FONT size=1 face="serif">(Exact name of Registrant
  as specified in its charter) </FONT> </div>
<div align="center"><B><FONT size=4 face="serif">SANTANDER-CHILE BANK</FONT></B><B><FONT size=1 face="serif">
  </FONT></B> </div>
<div align="center"><FONT size=1 face="serif">(Translation of Registrant&#146;s
  name into English) </FONT> </div>
<div align="center"><B><FONT face="serif">Chile </FONT></B> </div>
<div align="center"><FONT size=1 face="serif">(Jurisdiction of incorporation)
  <br>
  </FONT> </div>
<div align="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT size=2 face="serif">Bandera
  140 <br>
  Santiago, Chile <br>
  Telephone: 011-562 320-2000 </FONT></B> </div>
<div align="center"><FONT size=1 face="serif">(Address of principal executive
  offices) </FONT> </div>
  <P align="center">
<B><FONT size=2 face="serif">Securities registered or to be registered pursuant to Section 12(b) of the Act. </FONT></B>
</P>
<div align="center">
  <TABLE width="70%" border=0 cellspacing=0 cellpadding=0>
    <TR valign="bottom">
      <TD align="center">
        <p><u><B><FONT size=1 face="serif">Title of each class</FONT></B></u></p></TD>
      <TD width="25%" align="center"><B><FONT size=1 face="serif">Name of
        each exchange<br>
        <u>on which registered</u></FONT></B></TD>
    </TR>
    <TR>
      <TD align="left"><FONT size=2 face="serif">American Depositary Shares,
        each representing the right to receive 1,039</FONT></TD>
      <TD width="25%">&nbsp;</TD>
    </TR>
    <TR>
      <TD align="left">&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Shares
        of Common Stock without par value</FONT></TD>
      <TD width="25%"><FONT size=2 face="serif">New York Stock Exchange</FONT></TD>
    </TR>
    <TR>
      <TD align="left">&nbsp;</TD>
      <TD>&nbsp;</TD>
    </TR>
    <TR>
      <TD align="left"><FONT size=2 face="serif">Shares of Common Stock,
        without par value*</FONT></TD>
      <TD><FONT size=2 face="serif">New York Stock Exchange</FONT></TD>
    </TR>
  </TABLE>
  <br>
  <div align="left">
    <hr align="left" width="10%" size="1" noshade>
  </div>
</div>
<table width="100%" border="0" cellspacing="0" cellpadding="0">
  <tr align="left" valign="top">
    <td width="5%" align="center"><FONT size=2 face="serif">*</FONT></td>
    <td width="95%"><FONT size=2 face="serif">Santander-Chile&#146;s shares
      of common stock are not listed for trading, but only in connection
      with the registration of the American Depositary Shares, pursuant
      to the requirements of the New York Stock Exchange.</FONT><BR> </td>
  </tr>
</table>
<br>
<div align="center"><B><FONT size=2 face="serif">Securities registered or
  to be registered pursuant to Section 12(g) of the Act: </FONT></B> </div>
<div align="center"><I><FONT size=2 face="serif">None </FONT></I> </div>
<div align="center"><FONT size=1 face="serif">(Title of Class) </FONT> </div>
<div align="center"><B><FONT size=2 face="serif">Securities for which there
  is a reporting obligation pursuant to Section 15(d) of the Act: </FONT></B>
</div>
<div align="center"><I><FONT size=2 face="serif">None </FONT></I> </div>
<div align="center"><FONT size=1 face="serif">(Title of Class) </FONT> </div>
<div align="center"><B><FONT size=2 face="serif">The number of outstanding
  shares of each class of common stock of Banco Santander-Chile at December
  31, 2002 was: </FONT></B> </div>
<div align="center"><I><FONT size=2 face="serif">188,446,126,794 Shares
  of Common Stock, without par value </FONT></I> </div>

<blockquote>
  <p> <B><FONT size=2 face="serif">Indicate by check mark whether the registrant
    (1) has filed all reports required to be filed by Section 13 or 15(d)
    of the Securities Exchange Act of 1934 during the preceding 12 months
    (or for such shorter period that the registrant was required to file
    such reports), and (2) has been subject to such filing requirements
    for the past 90 days. </FONT></B> </p>
</blockquote>
<div align="center">
  <TABLE width="20%" border=0 cellspacing=0 cellpadding=0>
    <TR>
      <TD width="50%"><FONT size=2 face="serif">Yes </FONT><font face="Wingdings">x</font></TD>
      <TD width="50%"><FONT size=2 face="serif">No </FONT><font face="Wingdings">o</font></TD>
    </TR>
  </TABLE>
</div>
<blockquote>
  <p align="center"> <B><FONT size=2 face="serif">Indicate by check mark
    which financial statement item the registrant has elected to follow.
    </FONT></B> </p>
</blockquote>
<div align="center">
  <TABLE width="20%" border=0 cellspacing=0 cellpadding=0>
    <TR>
      <TD width="50%"><FONT size=2 face="serif">Item 17 </FONT><font face="Wingdings">o</font></TD>
      <TD width="50%"><FONT size=2 face="serif">Item 18 </FONT><font face="Wingdings">x</font></TD>
    </TR>
  </TABLE>
</div>
<br>
<hr align="center" width="100%" size="1" noshade color="#000000" style="margin-top: -2px">
<hr align="center" width="100%" size="4" noshade color="#000000" style="margin-top: -10px">
<br>
<hr width="100%" size=4 color=GRAY noshade>
<!-- *************************************************************************** -->
<!-- MARKER PAGE="sheet: 1; page: 1" -->
<br>
<P align="center">
<B><FONT size=2 face="serif">EXPLANATORY NOTE </FONT></B>
</P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The purpose of this amendment to the Annual Report on Form 20-F for the year
ended December 31, 2002 filed by Banco Santander-Chile on June 27, 2003 (the &#147;2002 Form 20-F&#148;) is to include the audit report
relating to our consolidated financial statements at December 31, 2001 and for the years ended December 31, 2000 and 2001.
These financial statements were included in our 2002 Form 20-F as originally filed and a related audit report was previously filed by us in our registration
statement on Form F-4, Registration No. 333-90288. Except for the addition of the audit report, no changes have been made to the
2002 Form 20-F. </FONT>
</P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">This 20-F/A consists of a cover page, this explanatory note, Item 19 (as amended) of the 2002 Form 20-F, the above-described audit report, the signature page and the required certifications of the
principal executive officer and the principal financial officer of Banco Santander-Chile. </FONT>
</P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">Other than expressly set forth above, this Form 20-F/A does not, and does not purport to, amend, update or restate the information in any Item of the 2002 Form 20-F or reflect any events that have
occurred after the 2002 Form 20-F was filed. </FONT>
</P>
<P align="center">
<FONT size=2 face="serif">2</FONT>
</P>

<br>
<hr width="100%" size=4 color=GRAY noshade>
<!-- *************************************************************************** -->
<!-- MARKER PAGE="sheet: 1; page: 1" -->
<br>
<P>
<B><FONT size=2 face="serif">ITEM 19. EXHIBITS</FONT></B>
</P>
<P>
<B><FONT size=2 face="serif">(a) Index to Financial Statements</FONT></B>
</P>
<TABLE width="100%" border=0 cellspacing=0 cellpadding=0>
  <TR>
    <TD width="10%">&nbsp;&nbsp;</TD>
    <TD width="80%">&nbsp;</TD>
    <TD align="left" width="5%"><B><FONT size=1 face="serif">Page</FONT></B></TD>
    <TD width="5%">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%"><FONT size=2 face="serif">Report of Independent Accountants
      &#151; PricewaterhouseCoopers 2002</FONT></TD>
    <TD width="5%"><FONT size=2 face="serif">F-2</FONT></TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%"><FONT size=2 face="serif">Report of Independent Auditors
      &#151; Ernst &amp; Young 2001</FONT></TD>
    <TD width="5%"><FONT size=2 face="serif">F-3.1</FONT></TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%"><FONT size=2 face="serif">Consolidated Balance Sheets
      as of December 31, 2001 and 2002</FONT></TD>
    <TD width="5%"><FONT size=2 face="serif">F-4</FONT></TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%"><FONT size=2 face="serif">Consolidated Statements of
      Income for the three years in the period ended</FONT></TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%">&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">December
      31, 2002</FONT></TD>
    <TD width="5%"><FONT size=2 face="serif">F-6</FONT></TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%"><FONT size=2 face="serif">Consolidated Statements of
      Cash Flows for the three years in the period ended</FONT></TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%">&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">December
      31, 2002</FONT></TD>
    <TD width="5%"><FONT size=2 face="serif">F-7</FONT></TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%"><FONT size=2 face="serif">Consolidated Statements of
      Changes in Shareholders&#146; equity for the three years in the</FONT></TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%">&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">period ended
      December 31, 2002</FONT></TD>
    <TD width="5%"><FONT size=2 face="serif">F-8</FONT></TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
  <TR>
    <TD width="10%">&nbsp;</TD>
    <TD width="80%"><FONT size=2 face="serif">Notes to the Audited Consolidated
      Financial Statements</FONT></TD>
    <TD width="5%"><FONT size=2 face="serif">F-9</FONT></TD>
    <TD width="5%" align="left">&nbsp;</TD>
  </TR>
</TABLE>
<P>
<B><FONT size=2 face="serif">(b) Index to Exhibits:</FONT></B>
</P>
<P>
<FONT size=2 face="serif">Exhibit </FONT>
</P>
<P>
<FONT size=2 face="serif">Number Description</FONT>
</P>
<TABLE width="100%" border=0 cellspacing=0 cellpadding=0>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">1.1</FONT></TD>
    <TD width="96%"><FONT size=2 face="serif">Restated Articles of Incorporation
      and By-Laws (estatutos) of Santander-Chile (Spanish Version) (incorporated
      by reference to our Registration Statement on Form F-4 (Registration
      No. 333-100975) filed with the Commission on December 12, 2002).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="96%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">1.2</FONT></TD>
    <TD width="96%"><FONT size=2 face="serif">Restated Articles of Incorporation
      and By-Laws (estatutos) of Santander-Chile (English Version) (incorporated
      by reference to our Registration Statement on Form F-4 (Registration
      No. 333-100975) filed with the Commission on December 12, 2002).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="96%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2A.1</FONT></TD>
    <TD><FONT size=2 face="serif">Form of Amended and Restated Deposit Agreement,
      dated </FONT><FONT size=2 face="serif">August 1, 2002, among Banco
      Santander-Chile (formerly known as Banco Santiago), the Bank of New
      York (as depositary) and Holders of American Depositary Receipts (incorporated
      by reference to our Registration Statement on Form F-6 No. 333-97303,
      filed with the Commission on July 26, 2002).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="96%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2A.2</FONT></TD>
    <TD width="96%"><FONT size=2 face="serif">Form of Foreign Investment
      Contract among Banco Santiago, JPMorgan Chase Bank and the Central
      Bank of Chile relating to the foreign exchange treatment of an investment
      in ADSs (accompanied by an English translation) (Incorporated by reference
      to our Registration Statement on Form F-1 (Registration No. 333-7676)
      filed with the Commission on October 23, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="96%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2A.3</FONT></TD>
    <TD width="96%"><FONT size=2 face="serif">Copy of the Central Bank Chapter
      XXVI Regulations Related to the Acquisition of Shares in Chilean Corporations
      and the Issuance of Instrument on Foreign Stock Exchanges or under
      Other Terms and Conditions of Issue (accompanied by an English translation)
      (incorporated by reference to Santander-Chile&#146;s Annual Report
      for the fiscal year ended December 31, 1996 (File No. 1-13448) filed
      with the Commission on June 30, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="96%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2A.4</FONT></TD>
    <TD width="96%"><FONT size=2 face="serif">Press release by Central Bank
      eliminating exchange restrictions (accompanied by an English translation)
      (incorporated by reference to Santander-Chile&#146;s Annual Report
      on Form 20-F for the fiscal year ended December 31, 2001 (File No.
      1-13448) filed with the Commission on June 28, 2001).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="96%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2B.1</FONT></TD>
    <TD width="96%"><FONT size=2 face="serif">Program Agreement and Offering
      Circular for Santander-Chile&#146;s U.S. $300 million Euro Medium
      Term Note Program (incorporated by reference to Santander-Chile&#146;s
      Annual Report on Form 20-F for the fiscal year ended December 31,
      2001 (File No. 1-13448) filed with the Commission on June 28, 2001).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="96%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2B.2</FONT></TD>
    <TD width="96%"><FONT size=2 face="serif">Indenture for 6</FONT><FONT size=1 face="serif"><SUP>
      1 </SUP>/<SUB> 2 </SUB></FONT><FONT size=2 face="serif">% subordinated
      notes dated as of October 15, 1998 between Santander-Chile and Bankers
      Trust Company, as trustee (incorporated by reference to Santander-Chile&#146;s
      Annual Report</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="96%">&nbsp;</TD>
  </TR>
</TABLE>
<P align="center">
<FONT size=2 face="serif">3 </FONT>
</P>

<br>
<hr width="100%" size=4 color=GRAY noshade>
<!-- *************************************************************************** -->
<!-- MARKER PAGE="sheet: 1; page: 1" -->
<br>
<TABLE width="100%" border=0 cellspacing=0 cellpadding=0>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%"><FONT size=2 face="serif">on Form 20-F for the fiscal
      year ended December 31, 2001 (File No. 1-13448) filed with the Commission
      on June 28, 2001).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2B.3</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">First Supplemental Indenture
      for 6</FONT><FONT size=1 face="serif"><SUP> 1 </SUP>/<SUB> 2 </SUB></FONT><FONT size=2 face="serif">%
      subordinated notes dated as of October 15, 1998 between Santander-Chile
      and Bankers Trust Company, as trustee (incorporated by reference to
      Santander-Chile&#146;s Annual Report on Form 20-F for the fiscal year
      ended December 31, 2001 (File No. 1-13448) filed with the Commission
      on June 28, 2001).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2B.4</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Agreement for the Issuance
      of Bonds dated November 26, 1996 between Santander-Chile and Banco
      Security (accompanied by an English translation) (incorporated by
      reference to Santander-Chile&#146;s Annual Report for the fiscal year
      ended December 31, 1996 (File No. 1-13448) filed with the Commission
      on June 30, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">2B.5</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Agreement for the Issuance
      of Subordinated Bonds dated November 26, 1996 between Santander-Chile
      and Banco Security (accompanied by an English translation) (incorporated
      by reference to Santander-Chile&#146;s Annual Report for the fiscal
      year ended December 31, 1996 (File No. 1-13448) filed with the Commission
      on June 30, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">4A.1</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Resolution of the Shareholders&#146;
      Meeting of the former Santander-Chile of June 10, 1996, authorizing
      the Merger with Osorno (accompanied by an English translation) (incorporated
      by reference to Santander-Chile&#146;s Annual Report for the fiscal
      year ended December 31, 1996 (File No. 1-13448) filed with the Commission
      on June 30, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">4A.2</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Resolution of the Shareholders&#146;
      Meeting of Osorno of June 10, 1996, authorizing the Merger with the
      former Santander-Chile (accompanied by an English translation) (incorporated
      by reference to Santander-Chile&#146;s Annual Report for the fiscal
      year ended December 31, 1996 (File No. 1-13448) filed with the Commission
      on June 30, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">4A.3</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Share Purchase Promise Agreement
      dated April 11, 1996 between Santander-Chile and the Former Osorno
      Control Group (accompanied by an English translation) (incorporated
      by reference to Santander-Chile&#146;s Annual Report for the fiscal
      year ended December 31, 1996 (File No. 1-13448) filed with the Commission
      on June 30, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">4A.4</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Share Purchase Agreement dated
      November 11, 1996 between Santander-Chile and the Former Osorno Control
      Group (accompanied by an English translation) (incorporated by reference
      to Santander-Chile&#146;s Annual Report for the fiscal year ended
      December 31, 1996 (File No. 1-13448) filed with the Commission on
      June 30, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">4A.5</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Automatic Teller Machines
      Participation Agreement dated October 1, 1988 between Banco Espa&ntilde;ol-Chile
      (predecessor to Santander-Chile) and REDBANC (accompanied by an English
      translation) (incorporated by reference to Santander-Chile&#146;s
      Annual Report for the fiscal year ended December 31, 1996 (File No.
      1-13448) filed with the Commission on June 30, 1997).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">4A.6</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Stock Purchase Agreement relating
      to Santander Insurance dated July 2, 1998 among Santander Chile Holding,
      Soince S.A. and Santander-Chile (incorporated by reference to Santander-Chile&#146;s
      Annual Report for the fiscal year ended December 31, 1998 (File No.
      1-13448) filed with the Commission on June 15, 1999).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">4A.7</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Share Buyout and Release of
      Preferential Options Agreement relating to Santander Securitization
      dated October 28, 1998 between Santander Chile Holding and Santander-Chile
      (incorporated by reference to Santander-Chile&#146;s Annual Report
      for the fiscal year ended December 31, 1998 (File No. 1-13448) filed
      with the Commission on June 15, 1999).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">4A.8</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Outsourcing agreement between
      Banco Santiago and IBM de Chile S.A.C. dated June 30, 2000 (including
      English summary) (incorporated by reference to our Annual Report on
      Form 20-F for the fiscal year ended December 31, 2000) (File No. 1-4554)
      filed with the Commission on December 31, 2000).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">7.</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Statement explaining Calculation
      of Ratios (incorporated by reference to Santander-Chile&#146;s</FONT></TD>
  </TR>
</TABLE>
<P align="center">
<FONT size=2 face="serif">4 </FONT>
</P>

<br>
<hr width="100%" size=4 color=GRAY noshade>
<!-- *************************************************************************** -->
<!-- MARKER PAGE="sheet: 1; page: 1" -->
<br>
<TABLE width="100%" border=0 cellspacing=0 cellpadding=0>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%"><FONT size=2 face="serif">Annual Report on Form 20-F
      for the fiscal year ended December 31, 2001 (File No. 1-13448) filed
      with the Commission on June 28, 2001).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">8.</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">List of Subsidiaries (incorporated
      by reference to Santander-Chile&#146;s Annual Report on Form 20-F
      for the fiscal year ended December 31, 2002 (File No. 1-14554) filed
      with the Commission on June 27, 2003).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
  <TR valign="top">
    <TD width="10%"><FONT size=2 face="serif">99.1</FONT></TD>
    <TD width="90%"><FONT size=2 face="serif">Section 906 Certification
      (incorporated by reference to Santander-Chile&#146;s Annual Report
      on Form 20-F for the fiscal year ended December 31, 2002 (File No.
      1-14554) filed with the Commission on June 27, 2003).</FONT></TD>
  </TR>
  <TR valign="top">
    <TD width="10%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
  </TR>
</TABLE>
<P align="center">
<FONT size=2 face="serif">5</FONT>
</P>

<br>
<hr width="100%" size=4 color=GRAY noshade>
<!-- *************************************************************************** -->
<!-- MARKER PAGE="sheet: 1; page: 1" -->
<br>
<br>
<P>&nbsp; </P>
<table width="100%" border="0" cellspacing="0" cellpadding="0">
  <tr align="left" valign="top">
    <td width="55%"><img src="eylogo.gif" width="206" height="26"></td>
    <td width="3%"><font size="2" face="symbol">&uml;</font><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;</font><br>
      <br></td>
    <td width="19%"><font size="2" face="Arial, Helvetica, sans-serif">Hu&eacute;rfanos
      770, 5&deg; Piso<br>
      Santiago, Chile</font></td>
    <td width="2%"> <p><font size="2" face="symbol">&uml;</font><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;</font></p></td>
    <td width="7%"><font size="2" face="Arial, Helvetica, sans-serif">Tel&eacute;fono<br>
      &nbsp;Fax &nbsp;<br>
      Casilla <br>
      </font></td>
    <td width="14%"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;:
      (56-2) 676 1000 <br>
      &nbsp;: (56-2) 676 1010<br>
      &nbsp; : 2823</font></td>
  </tr>
</table>
<P align="center"><font size="4">R</font><FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">EPORT
  OF</font> <font size="4">I</font><font size="2">NDEPENDENT</font> <font size="4">A</font><font size="2">UDITORS
  </font> </P>
<P> <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">To the
  Board of Directors and Shareholders of</FONT> <br>
  <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">Banco Santander-Chile
  (formerly Banco Santiago) and Subsidiaries:</FONT> </P>
<P> <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">We have
  audited the accompanying consolidated balance sheets of Banco Santander-Chile
  (formerly Banco Santiago) and Subsidiaries (the &#147;Bank&#148;) as of
  December 31, 2001 and the related consolidated statements of income, cash
  flows and changes in shareholders&#146; equity for each of the two years
  in the period ended December 31, 2001. These financial statements are
  the responsibility of the Bank&#146;s Management. Our responsibility is
  to express an opinion on these financial statements based on our audit.</FONT>
</P>
<P> <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">We conducted
  our audits in accordance with generally accepted auditing standards in
  the United States of America. Those standards require that we plan and
  perform our audit to obtain reasonable assurance about whether the financial
  statements are free of material misstatements. An audit includes examining,
  on a test basis, evidence supporting the amounts and disclosures in the
  financial statements. An audit also includes assessing the accounting
  principles used and significant estimates made by the Bank&#146;s Manufacturing,
  as well as evaluating the overall financial statement presentation. We
  believe that our audits provide a reasonable basis for our opinion.</FONT>
</P>
<P> <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">In our
  opinion, the consolidated financial statements referred to above present
  fairly, in all material respects, the consolidated financial position
  of Banco-Santander Chile (formerly Banco Santiago) and subsidiaries as
  of December 31, 2001, and the consolidated results of their operations
  and their cash flows for each of the two years in the period ended December
  31, 2001, in conformity with accounting principles generally accepted
  in Chile and the regulations issued by the Chilean Superintendency of
  Banks and Financial Institutions.</FONT> </P>
<P> <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">Accounting
  principles generally accepted in Chile vary in certain significant respects
  from generally accepted accounting principles in the United States of
  America. Application of generally accepted accounting principles in the
  United States of America would have affected consolidated shareholder&#146;s
  equity as of December 31, 2001, and the consolidated results of operations
  for each of the two years in the period ended December 31, 2001, to the
  extent summarized in Note 28 of the notes to the consolidated financial
  statements.</FONT> </P>
<P> <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">ERNST
  &amp; YOUNG LIMITADA</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">/s/
  Ernst &amp; Young</FONT> </P>
<P> <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">Santiago,
  Chile January 18, 2002</FONT> <br>
  <FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">(except
  for Note 28 for which the date is September 30, 2002)</FONT> </P>
<P>&nbsp; </P>
<P align="center"><FONT size=2 face="TimesNewRoman,Times New Roman,Times,serif">Firma miembro de Ernst &amp; Young Global </FONT>
  <br><BR>
  <font size="2">F-3.1</font></P>
<br>
<hr width="100%" size=4 color=GRAY noshade>
<!-- *************************************************************************** -->
<!-- MARKER PAGE="sheet: 1; page: 1" -->
<br>

<P align="center">
<B><FONT size=2 face="serif">SIGNATURES </FONT></B>
</P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">The registrant hereby certifies that it meets all of the requirements for filing on Form 20-F and that it has duly caused and authorized the undersigned to sign this amendment to the Annual
Report on Form 20-F/A on its behalf.</FONT>
</P>
<div align="right">
  <TABLE width="50%" border=0 cellspacing=0 cellpadding=0>
    <TR align="left">
      <TD colspan=2><b>BANCO SANTANDER-CHILE</b></TD>
    </TR>
    <TR align="left">
      <TD width="9%">&nbsp;</TD>
      <TD width="91%">&nbsp;</TD>
    </TR>
    <TR align="left">
      <TD width="9%"><FONT size=2 face="serif">By:</FONT></TD>
      <TD width="91%"><FONT size=2 face="serif">/s/ Gonzalo Romero A.</FONT></TD>
    </TR>
    <TR align="left">
      <TD colspan="2"> <HR align="left" width="50%" size=1 noshade></TD>
    </TR>
    <TR align="left">
      <TD width="9%"><FONT size=2 face="serif">Name:</FONT></TD>
      <TD width="91%"><FONT size=2 face="serif">Gonzalo Romero A.</FONT></TD>
    </TR>
    <TR align="left">
      <TD width="9%"><FONT size=2 face="serif">Title:</FONT></TD>
      <TD width="91%"><FONT size=2 face="serif">General Counsel</FONT></TD>
    </TR>
  </TABLE>
</div>
<P> <FONT size=2 face="serif">Date: July 14, 2003</FONT> </P>


<br>
<hr width="100%" size=4 color=GRAY noshade>
<!-- *************************************************************************** -->
<!-- MARKER PAGE="sheet: 1; page: 1" -->
<br>


<P align="center">
<B><FONT size=2 face="serif">CHIEF EXECUTIVE OFFICER CERTIFICATION </FONT></B>
</P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">I, Fernando Ca&ntilde;as, certify that: </FONT>
</P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">1.</FONT>&nbsp;<FONT size=2 face="serif">I have reviewed this Annual Report on Form 20-F/A of
Banco Santander-Chile; and</font></P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">2. Based on my knowledge, this Annual Report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading with respect to the period covered by this Annual Report. </FONT>
</P>
<BR>
<BR>
<div align="right">
  <TABLE width="50%" border=0 cellspacing=0 cellpadding=0>
    <TR align="left">
      <TD width="9%"><FONT size=2 face="serif">By:</FONT></TD>
      <TD width="91%"><font size=2 face="serif">/s/ Fernando Ca&ntilde;as</font></TD>
    </TR>
    <TR align="left">
      <TD colspan="2"> <HR align="left" width="50%" size=1 noshade></TD>
    </TR>
    <TR align="left">
      <TD width="9%"><font size=2 face="serif">Name:</font></TD>
      <TD width="91%"><FONT size=2 face="serif">Fernando Ca&ntilde;as</FONT></TD>
    </TR>
    <TR align="left">
      <TD width="9%"><font size=2 face="serif">Title:</font></TD>
      <TD width="91%"><FONT size=2 face="serif">Chief Executive Officer</FONT></TD>
    </TR>
  </TABLE>
</div>
<P> <FONT size=2 face="serif">Date: July 14, 2003 </FONT> </P>


<br>
<hr width="100%" size=4 color=GRAY noshade>
<!-- *************************************************************************** -->
<!-- MARKER PAGE="sheet: 1; page: 1" -->
<br>
<P align="center">
<B><FONT size=2 face="serif">CHIEF FINANCIAL OFFICER CERTIFICATION </FONT></B>
</P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">I, David Turiel, certify that: </FONT>
</P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">1.</FONT>&nbsp;<FONT size=2 face="serif">I have reviewed this Annual Report on Form 20-F/A of
Banco Santander-Chile; and</font></P>
<P>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2 face="serif">2. Based on my knowledge, this Annual Report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading with respect to the period covered by this Annual Report. </FONT>
</P>
<BR>
<BR>
<div align="right">
  <TABLE width="50%" border=0 cellspacing=0 cellpadding=0>
    <TR align="left">
      <TD width="9%"><font size=2 face="serif">By:</font></TD>
      <TD width="91%"><font size=2 face="serif">/s/ David Turiel</font></TD>
    </TR>
    <TR align="left">
      <TD colspan="2"> <HR align="left" width="50%" size=1 noshade></TD>
    </TR>
    <TR align="left">
      <TD width="9%"><FONT size=2 face="serif">Name:</FONT></TD>
      <TD width="91%"><FONT size=2 face="serif"> David Turiel</FONT></TD>
    </TR>
    <TR align="left">
      <TD width="9%"><FONT size=2 face="serif">Title:</FONT></TD>
      <TD width="91%"><FONT size=2 face="serif">Chief Financial Officer</FONT></TD>
    </TR>
  </TABLE>
</div>
<P> <FONT size=2 face="serif">Date: July 14, 2003 </FONT> </P>

</BODY>

</HTML>


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>eylogo.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 eylogo.gif
M1TE&.#=AS@`:`/<``/___P,#`P```,S,S*FIJ69F9C,S,Q04%-34U&UM;0L+
M"U145,3$Q$1$1!P<'+2TM-K:VI24E(2$A"4E)9F9F3P\/(V-C7Q\?"PL+`8&
M!G-S<UU=7;R\O$M+2Y^?GS8V-M,&[?]\;QB(6_+]_RL'[?^O[!B(EPBB__K_
M________!_[A__[___^+!NW_.$>__WOQ]?_A>`F(Y___________________
M_^<&[?_7__;____________'!NW____L_^8-!XCX____[_CL____[/______
M[P;M______]/`.W_*],&B)\G!H@``````P;M_TZS"8BW^NS_FP7M______^3
M!>W_O/___Z_M[/^M_ZO_%SOI_ZW_]_TO-.G___________^?)P:(`````,,%
M[?].LPF(M_KL_X,%[?\C!.W______[\%[?^FT"&(R___/P<4`H!/____.P7M
M______]A_?___O____C_ZO_?!Z+_)OS___W___]?!>W_/[[J_Y(\"8@OB@6(
MD3P)B(^#!8C?,>G______^L%[?___^S_YS'I______\7!NW_`````(L%[?_+
M!>W____L_^8-!XC;____?_/L____[/______\P7M_]\QZ?_+!.W_*],&B)\G
M!H@`````!P7M_TZS"8BW^NS_DX@8B/?____'>;?___^___[______[___O__
M____U?_^____K?^K______^W!>W_%S+I_T\`[?^[1@R(US4,B``````KTP:(
MHZB\_]\QZ?^3B!B(__^__W_____!1+HWBKH\_A\?*UB)NCS^P42Z-_S_//[]
M____A_?_______]S!.W_FH:3D)B0T9B6F?__SM,8B$OU_O)__NS_#P7M____
M________1=<8B-_^___F____W?7^5+L$[?]5UP^(___L__?_^__G_O__DX@8
MB/____________________^[);O_N3'I_QN\ZO^U,>G_G7FW_P````#?,>G_
M826[_[DQZ?^,+[O_WS'I_R'Y!```````+`````#.`!H`0`C_``$('$BPH,&#
M"!,J7,BPH<.'$"-*G$BQ(@4!`@P`*(!18\&+&`L@'$"RY`""%"B,5#EP0(&7
M*EV^G#F394&.(1'BS#B0H\B6+PV\/$FPY$&2`E.._%F40@$#0FU6;(BQ:E61
M!C"JK$J4H%6$607@])A4`-$!534*D`I2:\N<![.>#.M1Z,&O`G$R+5@5`%JQ
M=V.:%?@W(UJ58PU2@-IUJN/'D"-+GDRY\L&=5C7J!1!V;UZKH*5:IFS5LT"X
MHU,[-LD:0-_"!@N#!NP:X\"L'C&3]3N8X^Z/J`WBI(#6]-O2A#M>=@M2-.^3
MNE$.AJTZ8=C9V-T6O#X;NO;-AV/G_PSO5ZY7VW=#IH1Z-2[7HMK+&R88UJ;/
M@;3AYQ\0MNOPZ@`&*."`!%*4W588G?0>7\H52%E;@QWGX(3NS:919YS%=]N"
M-[GUET>%.6=7AEW]UN!!(.%G7(9NH0<`2'MM=EI^](D4HD'YP7C3;Y9A]M5F
M,A*TDW,OCI<54X`-F9='$)H6UD+M#42<<%6Q1!V5@#TI7%TB*<F91QP6R-J8
M)B4&7'#':88:5!WVE9Y]&B:7WTXKML64CCBB]]^.2[:)WH=Y\DCAH`4915%C
MD)FTD**/,4KHHY!&*NE19)ZDJ*,M58K4I`QUA2AA?G$Z('?MU<>BB%<%99ZH
M"F%&I:"L$O\(VY7'T1AK0]?MM>JMJOG8%Y!H;E0EBAU=9U.P&Y'ETV)F@42J
MK1G:""UO[UU$%G\9!14<;I>!R9-!;`*E'K,"!)B=2.^%.6.")2G%(E%:0HCH
M6D7"2NV*+)9%I+`A<404GO3]B2R]\L+'DK-'`:@IM1HA?&:V-`GV[5\_065G
M3^6R:,"G_')<5D?[;GBBJ5AVF2"52U[\V6?3"O@L3YN1'/#)6+*W%WG7S<44
M=R9^NUS.R3FY(,#;G7QBC:=5G*Y(;?%:JWA'GU=N?QA+UU&$0J)&-,8_%?:4
M<84IBZR.6S\GK-49]19UOM7YFEV466N(E(Z%$05M6GG!MQO5A1Y,?9U.P^+G
M,\814MPW2R/.3!;?<N(KV=MO?PJY0'PW?1'''*G4UI&-`7I4KM[1+'7&1>'&
;G@%$DKKQ6QQ?))JO0GGL].RTUV[[[;@'!``[
`
end

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
