Santander Bank, N.A. is one of the country’s leading retail and commercial banks, with $102 billion in assets as of December 31, 2024. With its corporate offices in Boston, the Bank’s more than 4,400 employees and more than 1.8 million customers are principally located in Massachusetts, New Hampshire, Connecticut, Rhode Island, New York, New Jersey, Pennsylvania, Delaware and Florida. The Bank is a wholly-owned subsidiary of Madrid-based Banco Santander, S.A. (NYSE: SAN), recognized as one of the world’s most admired companies by Fortune Magazine in 2025, with approximately 176 million customers in the U.S., Europe, and Latin America. Santander Bank is overseen by Santander Holdings USA, Inc., Banco Santander’s intermediate holding company in the U.S.

Santander Consumer USA Inc., 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 began originating retail installment contracts in 1997. Today it is a wholly owned subsidiary of Santander Holdings USA, Inc., and part of the Santander US Auto business, which manages a combined asset portfolio of more than $60 billion, as of December 31, 2024. The company is part of Madrid, Spain-based global banking leader Banco Santander, recognized as one of the world’s most admired companies by Fortune Magazine in 2025.

Banco Santander International (BSI) is a wholly owned subsidiary of Banco Santander, S.A. (NYSE: SAN), one of the world’s largest financial institutions serving over 175 million customers across the U.S., Europe, and Latin America. Headquartered in Miami since 1979, BSI also operates offices in Houston, San Diego, and New York, and is part of Santander’s Wealth Management & Insurance division. The Bank provides trusted, responsible wealth management solutions to individuals and families across the Americas and Europe, backed by the global strength and stability of the Santander Group. As of year-end 2024, Santander Private Banking managed €327 billion in client assets and liabilities globally.

Santander’s global division that supports corporate and institutional clients, offering tailored services and value-added wholesale products suited to their complexity and sophistication, as well as to responsible banking standards that contribute to the progress of society.

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.