Santander Consumer USA Inc. is one of the fastest-growing companies in the automotive finance sector. With a $4.9 billion non-prime portfolio originated from a pool of more than 14,000 dealer partners throughout North America, we are a leading provider of finance programs that cover the entire non-prime spectrum. The company began originating loans in 1997, and is headquartered in Dallas. We are owned by Banco Santander (NYSE: STD), a leading global bank with a market capitalization of $115 billion and 66 million customers. We are also a regular issuer of asset-backed securities.