Non-GAAP to GAAP Reconciliations

Apr-13 CREDIT Apr-15 Jun-14 SEVERITY Jun-15 SC: Auto Industry Analysis Jun-16 Used Vehicle Indices1 SC Recovery Rates 145 Manheim: Seasonally Adjusted Manheim JD Power: Not Seasonally Adjusted % JDP Used-Vehicle Price Index 2 65% Auction Recovery Rate SC Recovery Rate (Quarterly) 3 140.5 140 60.2% 60.3% 134.9 60% 135 130 125 55% 123.7 120.1 50% 50.8% 120 115 45% 46.5% 110 40% 105 100 35% Jun-17 Jun-18 Jun-19 Jun-14 Jun-15 Industry Net Loss Rates4 % Subprime Max: 10.2% Industry 60+ Day Delinquency Rates4 % ⚫Subprime M www. mmm 6.4 6.6 4.0 Max: 5.9% 4.3 Apr-17 1 Manheim, Inc. indexed to a basis of 100 at 1995 levels; JD Power Used-Vehicle Price Index (not seasonally adjusted) 2 Auction Only - includes all auto-related recoveries including inorganic/purchased receivables from auction lanes only 3 Recovery Rate - Per the financial statements includes insurance proceeds, bankruptcy/deficiency sales, and timing impacts 4 Standard & Poor's Rating Services (ABS Auto Trust Data - two-months lag on data, as of April 30, 2019) 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. Min: 4.0% Apr-19 Apr-13 Apr-15 Apr-17 Jun-16 Jun-17 Min: 1.6% Apr-19 Santander Jun-18 Jun-19 38

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