Santander Holdings U.S.A.

Santander Holdings USA, Inc. (SHUSA) filed Item 1C of its 10-K disclosing its cybersecurity risk management and governance framework. The filing explicitly states that as of the time of filing, there are no known cybersecurity threats that have materially affected or are reasonably likely to materially affect the Company's business, operations, or financial condition. No specific incidents, breaches, or material impacts are reported.