Securities, brokerage, and investment advisory services and products 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. Santander Investment Services is an affiliate of Santander Bank, N.A. Banking and credit services and products are offered by licensed affiliated banks.

This material is presented for informational and educational purposes only and should not be construed as investment advice, tax advice, legal advice, an offer, a solicitation, or a recommendation to buy or sell any security, financial instrument, investment product, or service. Investors should consult with a financial, tax, or legal professional regarding their individual situation.

Investments are subject to risk, including the loss of principal. Investment returns and principal values fluctuate, and shares may be worth more or less than their original value. Some investments, products, or services may not be suitable for all investors. Suitability depends on factors including the client’s risk profile, financial sophistication, investment experience, objectives, and existing holdings. There is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Diversification does not assure a profit or protect against market loss.

Santander Securities LLC U.S. registered representatives may only conduct business with residents of the states in which they are properly registered. Not all investments, products, or services described are available in every state or jurisdiction. Products and services may be offered on a cross-border basis and are subject to applicable local laws, regulations, licensing requirements, eligibility requirements, suitability requirements, and internal policies. Nothing in this communication constitutes an offer or solicitation in any jurisdiction where such offer or solicitation would be unlawful.

Third-party links are provided as a courtesy. Santander Securities LLC and Santander Investment Services make no representation as to the completeness or accuracy of information provided at third-party websites. Information on such sites, including third-party links contained within them, should not be construed as an endorsement or adoption by Santander Securities LLC or Santander Investment Services.

Santander Securities LLC is registered with the Securities and Exchange Commission and the Municipal Securities Rulemaking Board. An investor brochure describing protections available under MSRB rules and instructions on how to file a complaint with an appropriate regulatory authority can be found on the MSRB website.