Non-GAAP to GAAP Reconciliations

Management Changes On July 24, 2019, SHUSA, SBNA, and SC announced the following management changes effective September 16, 2019: At SHUSA/SBNA: . • Timothy Wennes will become President and Chief Executive Officer ("CEO") of SBNA. He joins SBNA from MUFG Union Bank in California. Mr. Wennes succeeds Duke Dayal, who was named Chief Financial Officer ("CFO") of Santander UK on July 10, 2019. Juan Carlos Alvarez will become SHUSA and SBNA CFO. Mr. Alvarez currently serves as the CFO at SC. Mr. Alvarez succeeds Mr. Dayal in this role. At SC: • Fahmi Karam, SC's Head of Pricing and Analytics, will succeed Mr. Alvarez as CFO of SC. He will continue to lead the Pricing and Analytics group in addition to his new role. Shawn Allgood, currently Executive Vice President at Chrysler Capital, succeeds Richard Morrin as Head of Chrysler Capital and Auto Relationships at SC. Mr. Morrin has resigned to assume a CEO role with a privately held company outside of the auto finance industry. 7 Santander

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