FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2021072629201 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Justin Thomas Maher (Respondent) Former General Securities Representative and Investment Company and Variable Contracts Products Representative CRD No. 5504995 Pursuant to FINRA Rule 9216, Respondent Justin Thomas Maher 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. 2020065142001 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Santander US Capital Markets LLC, formerly known as Santander Investment Securities Inc. (Respondent) Member Firm CRD No.

FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS Department of Enforcement, Complainant, v. Damian M. Baird, CRD No. 3097243, Respondent Disciplinary Proceeding No. 2023077669201 COMPLAINT The Department of Enforcement alleges: SUMMARY 1. In 2023, Respondent Damian M. Baird failed to provide information and documents and failed to appear for on-the-record testimony that FINRA requested pursuant to FINRA Rule 8210 as part of two separate FINRA investigations into his conduct. As a result, Baird violated FINRA Rules 8210 and 2010.