Santander Holdings USA, Inc.

As of December 31, 2023, the Company utilized 540 buildings that occupy a total of 4.7 million square feet, including 116 owned properties with 0.9 million square feet, and 424 leased properties with 3.8 million square feet. The executive and primary administrative offices for SHUSA and SBNA are located at 75 State Street, Boston, Massachusetts. The Company leases this location. SC's corporate headquarters are located at 1601 Elm Street, Dallas, Texas. SC leases this location.

Eight major buildings serve as the headquarters or house significant operational and administrative functions, and are:

Operations Center - 2 Morrissey Boulevard, Dorchester, Massachusetts - Leased

SHUSA/SBNA Administrative Offices - 75 State Street, Boston, Massachusetts - Leased

Call Center and Operations and Loan Processing Center - Santander Way; 95 Amaral Street, Riverside, Rhode Island - Leased

Call Center and Operations and Loan Processing Center - 450 Penn Street, Reading; Pennsylvania - Leased

Operations and Administrative Offices - 1130 Berkshire Boulevard, Wyomissing, Pennsylvania - Owned

SC Administrative Offices - 1601 Elm Street, Dallas, Texas - Leased

BSI Operations and Administrative Offices -1401 Brickell Avenue, Miami, Florida - Owned

SCH Headquarters and Administrative offices - 437 Madison Ave, New York, New York - Leased

The majority of these eight Company properties identified above are utilized for general corporate purposes. The remaining 532 properties consist primarily of bank branches and lending offices. Of the total number of buildings, SBNA has approximately 410 retail branches.

For additional information regarding the Company's properties refer to Note 5 - "Premises and Equipment" and Note 7 - "Other Assets" in the Notes to Consolidated Financial Statements in Item 8 of this Report.