X0206 3 2017-11-15 0 0001580608 Santander Consumer USA Holdings Inc. SC 0000891478 Banco Santander, S.A. CIUDAD GRUPO SANTANDER 28660 BOADILLA DEL MONTE MADRID U3 SPAIN 0 0 1 0 Common Stock 245593555 I See note (1) in Explanation of Responses below. The 245,593,555 shares of common stock of Santander Consumer USA Holdings Inc. (the "Issuer") are owned directly by Santander Holdings USA, Inc. ("SHUSA"), a wholly-owned subsidiary of Banco Santander, S.A. (the "Reporting Person"), and are comprised of 210,995,049 shares of common stock previously owned directly by SHUSA and 34,598,506 shares of common stock of the Issuer purchased by the Reporting Person on November 15, 2017 from DDFS LLC ("DDFS") for an aggregate of $941,945,420, which shares were subsequently contributed to SHUSA as a capital contribution on November 15, 2017. /s/ Javier Illescas 2017-11-17