Non-GAAP to GAAP Reconciliations

Introduction SHUSA is a bank holding company wholly owned by Santander (NYSE: SAN) SIS SBNA SC NYSE: SC BSI • 5 SHUSA and its subsidiaries include: Well-established banking franchises • • in the Northeast U.S. and Puerto Rico A nationwide auto finance business An international private banking business A wholesale broker-dealer Headquartered in Boston. Regulated by the Federal Reserve SEC registered¹ • Bloomberg ticker: SOV SBC • Website www.santanderus.com 1SHUSA's SEC filings are accessible on the SEC website at www.sec.gov and are also accessible through SHUSA's website at www.santanderus.com. Santander

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