Gonzalo de Las Heras

Santander Holdings USA, Inc. is a parent holding company, which engages in the provision of banking services through Santander Bank. It operates through the following segments: Consumer and Business Banking; Commercial and Industrial Banking; Commercial Real Estate and Vehicle Finance; Corporate and Investment Banking; Santander Consumer USA Holdings Inc. and its subsidiaries (SC); and Other. The Consumer and Business Banking segment include consumer and business banking customers, including consumer deposit, business banking, residential mortgage, unsecured lending and investment services. The Commercial and Industrial Banking segment comprises commercial lines, loans, letters of credit, receivables financing, and deposits to medium- and large-sized commercial customers. The Commercial Real Estate and Vehicle Finance segment covers commercial loans to dealers and financing for commercial equipment and vehicles. The Corporate and Investment Banking segment focuses in the investment banking, institutional sales, and trading and offering research reports of Latin American and European equity and fixed-income securities. The SC segment encompasses consumer finance company focused on vehicle finance and third-party servicing. The Other segment involves in the certain unallocated interest expense on the company's borrowings and other debt obligations and certain unallocated corporate income and indirect expenses. The company was founded in 1987 and is headquartered in Boston, MA.

Stonehill Capital Management engages in the management and operation of a federally chartered savings bank. Sovereign Bank's primary business consists of attracting deposits from its network of community banking offices, and originating small business and middle market commercial loans, multi-family loans, residential mortgage loans, home equity loans and lines of credit, and auto and other consumer loans. The company operates its business through the following segments: Retail Banking, Specialized Business, Corporate, and Global Banking. The Retail Banking segment is primarily comprised of its branch locations and residential mortgage business. The Specialized Business segment is primarily comprised of leases to commercial customers, national commercial real estate lending group, and indirect automobile lending group. The Corporate segment provides the majority of Sovereign Bank's commercial lending platforms such as commercial real estate loans and commercial industrial loans and also contains the company's related commercial deposits. The Global Banking segment includes business with large corporate domestic and foreign clients. It was founded in 1987 and is headquartered in Boston, MA.

Santander BanCorp operates as a holding company. It focuses on the banking and finance industries. The firm operates through the following segments: Commercial Banking, Mortgage Banking, Consumer Finance, Treasury and Investments, and Wealth Management. The company was founded in 1976 and is headquartered in Guaynabo, Puerto Rico.

Santander Consumer USA Holdings, Inc. engages in the provision of consumer financing services. It offers retail installment contracts, vehicle leases, dealer loans, financial products, and services related to motorcycles, motor cars, and marine vehicles. The company was founded in July 2013 and is headquartered in Dallas, TX.

Puerto Rico, Inc. provides online information services.

Part of Banco Santander SA, Grupo Santander Brasil is a financial services provider. The company is based in São Paulo, Brazil.

Santander Investment Securities, Inc. is an SEC-registered broker/dealer located in New York City. The firm was formerly known as Santander Central Hispano Investment Securities. They are a subsidiary of Santander Investment I SA and their ultimate parent is Banco Santander (NYSE: SAN). Santander Investment Securities offers a full array of investment services with a particular focus on Latin American companies in various sectors.