X0203 0000876661 NEW YORK STOCK EXCHANGE LLC 0000811830 Santander Holdings USA, Inc. 001-16581

75 STATE STREET Boston MA MASSACHUSETTS 02109

800-493-8219 Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series I 17 CFR 240.12d2-2(a)(1) Anthony Sozzi Analyst, Market Watch 2026-10-15