Publication of Final Terms

SANTANDER UK PLC€35 BILLION GLOBAL COVERED BOND PROGRAMMEPublication of Final Terms - Series 94 and Series 95

The following final terms (the Series 94 and Series 95 Final Terms) are available for viewing:

Issue of Series 94 €1,250,000,000 Fixed Rate Covered Bonds due 12 May 2029 (ISIN XS3295866779) and Series 95 €1,000,000,000 Fixed Rate Covered Bonds due 12 February 2033 (ISIN XS3295866183) (together, the Series 94 and Series 95 Covered Bonds) under the €35 billion Global Covered Bond Programme of Santander UK plc (the Programme).

To view the full Series 94 and Series 95 Final Terms, please click on or paste the following URL into the address bar of your browser:

http://www.rns-pdf.londonstockexchange.com/rns/3724T_1-2026-2-17.pdf

http://www.rns-pdf.londonstockexchange.com/rns/3724T_2-2026-2-17.pdf

A copy of the above Series 94 and Series 95 Final Terms has been submitted to the National Storage Mechanism and will shortly be available for inspection at: https://data.fca.org.uk/#/nsm/nationalstoragemechanism.

The Series 94 and Series 95 Final Terms can also be viewed at: https://www.santander.co.uk/uk/about-santander-uk/debt-investors/santander-uk-covered-bonds.

Please see Annex 1 to this notice for additional information in relation to the Series 94 and Series 95 Covered Bonds.

For further information, please contact:

Funding, Asset Rotation and Investor RelationsSantander UK plc2 Triton SquareRegent's PlaceLondon NW1 3AN

Email: [email protected]

DISCLAIMER - INTENDED ADDRESSEES

Please note that the information contained in the Series 94 and Series 95 Final Terms and the base prospectus published in respect of the Programme on 21 March 2025 as supplemented on 30 April 2025, 30 July 2025, 29 August 2025 and 4 February 2026 (the Prospectus) may be addressed to and/or targeted at persons who are residents of particular countries only (as further specified in the Prospectus) and is not intended for use and should not be relied upon by any person outside these countries and/or to whom the offer contained in the Series 94 and Series 95 Final Terms and the Prospectus is not addressed. Prior to relying on the information contained in the Series 94 and Series 95 Final Terms and the Prospectus you must ascertain from the Series 94 and Series 95 Final Terms and the Prospectus whether or not you are part of the intended addressees of the information contained therein. Your right to access this service is conditional upon complying with the above requirement.

ANNEX 1

ADDITIONAL INFORMATION IN RELATION TO SERIES 94 €1,250,000,000 FIXED RATE COVERED BONDS DUE 12 MAY 2029 AND SERIES 95 €1,000,000,000 FIXED RATE COVERED BONDS DUE 12 FEBRUARY 2033

OPERATIONAL INFORMATION DOCUMENT

This Operational Information Document related to the Series 94 Final Terms dated 16 February 2026 (the Series 94 Final Terms) in respect of the issue of Series 94 €1,250,000,000 Fixed Rate Covered Bonds due 12 May 2029 (ISIN XS3295866779) and Series 95 Final Terms dated 16 February 2026 (the Series 95 Final Terms) in respect of the issue of Series 95 €1,000,000,000 Fixed Rate Covered Bonds due 12 February 2033 (ISIN XS3295866183) (together, the Series 94 and Series 95 Final Terms).

This Operational Information Document has not been reviewed or approved by any competent authority for the purposes of the UK Prospectus Regulation or otherwise and does not form part of the Series 94 and Series 95 Final Terms for the purposes of the UK Prospectus Regulation. However, for all other purposes this Operational Information Document must be read in conjunction with the Series 94 and Series 95 Final Terms. Words and expressions which have a defined meaning in the Series 94 and Series 95 Final Terms or Base Prospectus dated 21 March 2025 as supplemented on 30 April 2025, 30 July 2025, 29 August 2025 and 4 February 2026 and have the same meanings in this Operational Information Document.

DISTRIBUTION

(a) If syndicated, names of Joint Lead Managers: Banco Santander, S.A.;

ABN AMRO Bank N.V.;

Crédit Agricole Corporate and Investment Bank; Danske Bank A/S;

Landesbank Baden-Württemberg;

Lloyds Bank Corporate Markets plc; and

UniCredit Bank GmbH

(each a "Joint Lead Manager" and together, the "Joint Lead Managers")

(b) Date of Subscription Agreement: 16 February 2026

(c) If not syndicated, name of relevant Dealer: Not applicable

(d) U.S. Selling Restrictions: Regulation S