Santander Holdings USA, Inc.

Public companies file this within four business days when something important happens that investors should know about before the next quarterly report.

Santander Holdings USA, Inc. filed this to release information to investors under Regulation FD — usually a press release, conference presentation, or other event the company considers important. 1 Report of Independent Registered Public Accounting Firm To the Stockholders and the Board of Directors Webster Financial Corporation: Opinion on the Consolidated Financial Statements We have audited the accompanying consolidated balance sheets of Webster Financial Corporation and subsidiaries (the Company) as of December 31, 2025 and 2024, the related cons…