Common use of SANTANDER INVESTMENT SERVICES ACCOUNTS AND BALANCES IN DIGITAL BANKING Clause in Contracts

SANTANDER INVESTMENT SERVICES ACCOUNTS AND BALANCES IN DIGITAL BANKING. Your Santander Investment Services (SIS) retirement and non-retirement account balances can be viewed in online and mobile banking for personal banking customers in the account “Overview” section and within the “Investments” section. Your SIS Investment account balances in Digital Banking are as of the previous Business Day or the last Business Day when there was a change in your account value. In certain cases, balances held with product sponsors may not be reflected on these applications. In such cases, you should reference the product sponsor’s accounts statements for current balances You may need to contact your annuity provider to obtain the most updated balance information if the following takes place: 1. You decide to surrender the annuity and take the proceeds. 2. You decide to move your annuity to another firm or switch broker/dealers. 3. You annuitize your investment and begin to take regular payments. 4. Your annuity carrier opts not to participate in networking. Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, Member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE

SANTANDER INVESTMENT SERVICES ACCOUNTS AND BALANCES IN DIGITAL BANKING. Your Santander Investment Services (SIS) retirement and non-retirement account balances can be viewed in online and mobile banking for personal banking customers in the account “Overview” section and within the “Investments” section. Your SIS Investment account balances in Digital Banking are as of the previous Business Day or the last Business Day when there was a change in your account value. In certain cases, balances held with product sponsors may not be reflected on these applications. In such cases, you should reference the product sponsor’s accounts statements for current balances You may need to contact your annuity provider to obtain the most updated balance information if the following takes place: 1. You decide to surrender the annuity and take the proceeds. 2. You decide to move your annuity to another firm or switch broker/dealers. 3. You annuitize your investment and begin to take regular payments. 4. Your annuity carrier opts not to participate in networking. Digital Banking Agreement 17 / 26 Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, Member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE

SANTANDER INVESTMENT SERVICES ACCOUNTS AND BALANCES IN DIGITAL BANKING. Your Santander Investment Services (SIS( SIS ) retirement and non-retirement account balances can be viewed in online and mobile banking for personal banking customers in the account “Overview” section and within the “Investments” sectiontab. Your SIS Investment account balances in Digital Banking are as of the previous Business Day or the last Business Day when there was a change in your account value. In certain cases, balances held with product sponsors may not be reflected on these applications. In such cases, you should reference the product sponsor’s accounts statements for current balances You may need to contact your annuity provider to obtain the most updated balance information if the following takes place: 1. You decide to surrender the annuity and take the proceeds. 2. You decide to move your annuity to another firm or switch broker/dealers. 3. You annuitize your investment and begin to take regular payments. 4. Your annuity carrier opts not to participate in networking. Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-broker- dealer, Member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE.