Non-GAAP to GAAP Reconciliations

Santander US Key Initiatives • SHUSA • SBNA SC Integrate U.S. operations and support functions to improve efficiency Optimize balance sheet and capital across U.S. businesses • • Continue to improve loyalty and the customer experience across digital and physical channels Invest in people, products and technology in Corporate Investment Banking and Commercial Banking Enhance earning asset mix • Increase non-prime originations ensuring appropriate risk-return profile Leverage SBNA for prime originations • Enhance dealer and customer experience to drive originations growth 8 Santander

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