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HELPING BUSINESSES AND PEOPLE PROSPER

Santander US is a diversified financial business with 17,200 employees serving 5.2 million customers and with over $147 billion assets. A wholly owned subsidiary of Madrid-based Banco Santander, S.A., Santander US incorporates six financial companies: Santander Bank, N.A., Santander Consumer USA Holdings Inc. (NYSE: SC), Banco Santander International of Miami, Santander Securities LLC of Boston, Santander US Capital Markets LLC of New York, and several other subsidiaries. Additionally, there is a branch of Banco Santander S.A. in New York.

Our purpose is to help people and businesses across the U.S. prosper. We aim to be the bank of choice in each of our markets and to enhance our position as a national leader in auto finance by acting responsibly and earning the lasting loyalty of our people, customers, shareholders and communities.

OUR APPROACH TO DOING BUSINESS

Santander Holdings USA Inc. (SHUSA) serves as the intermediate holding company for Santander’s U.S. businesses and is a wholly owned subsidiary of Madrid-based Banco Santander, S.A., the largest retail and commercial bank in continental Europe by market value, and one of the best capitalized banking groups in the world.

Led by Group Executive Chairman Ana Botín, the Santander Group serves 166 million customers in primary segments to include Europe, North America, South America and the Digital Consumer Bank. Our global reach is backed by our secondary segments: Santander Corporate & Investment Banking (Santander CIB), Wealth Management & Insurance (WM&I) and PagoNxt.

Santander is committed to responsible banking and lending, with corporate social responsibility at the heart of our purpose to help people and businesses prosper. We believe that the best way to foster prosperity is in partnership with our communities, colleagues and customers. Santander is among the world’s 27 most sustainable banks according to the 2023 Dow Jones Sustainability Index (DJSI).

SANTANDER ORGANIZATIONS

Santander Bank, N.A. (SBNA) is one of the country’s largest retail and commercial banks with $102 billion in assets. With its corporate offices in Boston, the Bank’s nearly 8,600 employees and nearly 2 million customers are principally located in Massachusetts, New Hampshire, Connecticut, Rhode Island, New York, New Jersey, Pennsylvania and Delaware.

Santander Consumer USA Inc. (NYSE: SC) (“SC”), headquartered in Dallas, Texas, is a consumer finance company focused on vehicle finance, third-party servicing and delivering superior service to our more than three million customers across the full credit spectrum. Santander Consumer, which began originating retail installment contracts in 1997, had an average managed asset portfolio of approximately $63 billion for FY 2022.

Established in Miami in 1979, Banco Santander International offers holistic private banking and investment services to high-net-worth individuals and non-U.S. residents, with a focus on Latin America.

Santander Investment Services is a U.S. broker-dealer and Registered Investment Adviser and affiliate of Santander Bank. We provide financial planning and investment advice for customers at all of our bank branches and across the US.

The broker-dealer has clients throughout the Northeast and Miami markets, with over $10 billion in invested assets.

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. Santander Investment Services is an affiliate of Santander Bank, N.A.

NOT FDIC INSURED | NOT BANK GUARANTEED | MAY LOSE VALUE | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT A BANK DEPOSIT.

Santander US Capital Markets LLC (SanCap) is the institutional broker-dealer of Santander in the United States operating under Santander Corporate & Investment Banking – the global division that supports corporate and institutional clients.

SanCap was formed by merging Amherst Pierpont Securities LLC and Santander Investment Securities Inc. SanCap primary strengths and capabilities include Structured Products, Emerging Markets Credit and U.S. Investment Grade Credit, U.S. Rates, Short Term Fixed Income, Debt Capital Markets, Investment Banking, Exchange Trade Derivatives, and Cash Equities.

SanCap is a self-clearing member of FICC; Member of FINRA and SIPC. SanCap holds the Primary Dealer designation received from the Federal Reserve Bank of New York.

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