FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019061735701 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Santander Investment Securities Inc. (Respondent) Member Firm CRD No. 37216 Pursuant to FINRA Rule 9216, Respondent Santander Investment Securities Inc. submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019061380101 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Timothy David O'Brien, Respondent CRD No. 1182298 Pursuant to FINRA Rule 9216, Respondent Timothy David O'Brien submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.