Company: BCDRF
Filing Date: 2025-01-08
Form Type: 424B5
Source: 0001193125-25-003514
Chunk: 149

Company: Banco Santander, S.A.
Filing Date: 2025-01-08
Form: 424B5
Chunk 149
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 the interest rate or rates, or how to calculate the interest rate or rates; |

| • |     | the date or dates from which interest, if any, will accrue or the method, if any, by which such date or dates 
 will be determined;                                                                                           |

| • |     | whether payments are subject to certain conditions that relate to our financial condition, including our capital 
 ratios;                                                                                                          |

| • |     | the times and places at which any interest payments are payable; |

| • |     | any modifications or additions to mandatory or optional redemption, including the amount of any premium; |

| • |     | any modifications or additions to the events of default with respect to the debt securities offered; |

| • |     | any provisions relating to conversion or exchange for other securities issued by us; |

| • |     | the currency or currencies in which they are denominated and in which Banco Santander will make any payments; |

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| • |     | any index used to determine the amount of any payments on the debt securities; |

| • |     | any restrictions that apply to the offer, sale and delivery of the debt securities and the exchange of debt 
 securities of one form for debt securities of another form;                                                 |

| • |     | whether and under what circumstances, if other than those described in this prospectus, Banco Santander will pay                                                                                         
 additional amounts on the debt securities and whether, and on what terms, if other than those described in this prospectus, Banco Santander may redeem the debt securities following those developments; |

| • |     | the clearing system in which such debt securities will be settled and cleared; and |

| • |     | any listing on a securities exchange. |

Holders of debt securities shall have no voting rights except those described under the heading “ —Modification and Waiver” below. Payments of Interest Banco Santander will make any payments of interest and principal on any particular series of debt securities on the dates and, in the case of payments of interest, at the rate or rates, that Banco Santander sets out in, or that are determined by the method of calculation described in, the relevant prospectus supplement. All payments in respect of the debt securities will be subject in all cases to any fiscal or other laws and regulations applicable thereto in the place of payment (including FATCA, any regulations or agreements thereunder, any official interpretation thereof, any intergovernmental agreements with respect thereto, or any law implementing an intergovernment