Non-GAAP to GAAP Reconciliations

SC: TDR Balance Composition by Vintage TDR Balance by Origination Vintage ($ billions) 6.3 6.3 6.1 6.1 5.9 2% 5.8 6% 16% 8% 20% 5.4 10% 24% 4.9 14% 1% 26% 4.5 3% 27% 17% 37% 37% 37% 36% 34% 32% 31% 29% 28% 27% 19% 27% 27% 27% 24% 22% 20% 18% 17% 16% 15% 28% 23% 14% 21% 18% 16% 14% 12% 11% 9% 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 ■2013 & Prior 2014 2015 2016 2017 2018 SOURCE: SC Second Quarter 2019 presentation in its Form 8-K filed on July 24, 2019. See http://investors.santanderconsumerusa.com/financial-info/quarterly-results. 39 Santander

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