Matthew Spencer

Santander Consumer USA Inc.

Santander Consumer USA Inc., owner of the Drive®, Santander Auto Finance® and RoadLoans.com brands, is a leading company in the automotive finance sector, whose core business is indirect, direct and third-party originations and servicing of auto loans. The company has a serviced auto loan portfolio of approximately $25 billion and relationships with nearly 13,000 dealer partners in the U.S. The company began originating loans in 1997 and is headquartered in Dallas. Santander Consumer USA is a unit of Banco Santander (SAN.MC, STD.N, BNC.LN), a retail and commercial bank, based in Spain, with a presence in 10 main markets. At the end of 2010, Santander was the largest bank in the euro zone and 10th in the world by market capitalization. Founded in 1857, Santander had at year-end EUR 1,362 billion in managed funds, more than 95 million customers, 14,082 branches – more than any other international bank – and 179,000 employees. It is the largest financial group in Spain and Latin America. Furthermore, it has relevant positions in the United Kingdom, Portugal, the U.S. northeast and, through its Santander Consumer Finance arm, in Germany and Poland. Santander registered €8,181 million in net attributable profit in 2010.