» Competitive rates

» Low fees

» Participation/flats

» Co-signer does not have to cohabitate

» Equifax bureaus

» Higher advances

» Approvals good for 30 days from initial submission date

» Fewer stips

» Room for backend on all deals

» 72 mo. term available (without a term fee)

» Self-employed friendly

» Fast funding

© 2011 Santander Consumer USA Inc. All rights reserved. Rev. 11/2011 | 866.552.2528 | SantanderAuto.com

FICO range 550 - 680

Buy rate as low as1 9%

Discount fee 1-5%

Flat fee – payable to dealer Range from $100 - $250

Participation2 Up to 2 pts, 75/25 split

Max term 72 months

Max advance3 135%

Max LTV 150%

Max PTI 18%

Max DTI 65%

Vehicles New or Quality Pre-owned, 7 years max, up to 100,000 miles

Minimum down $500 – cash, trade or mix

Max loan $50,000

Minimum loan $7,500

Minimum monthly income $1,500

Max backend4 GAP is lesser of $700 max or state max; warranty varies by tier with max ranges from $2,000 - $3,000

1 Dealer can buy down rate for $300/point up to 2 points. 2 Max of $1,250 or state max. Customer must make fi rst 3 payments, in full, to avoid

participation chargeback.3 Restricted advances for Isuzu, Mercury, Oldsmobile, Plymouth, Pontiac, Saturn and Saab.4 Max backend is subject to state max, where applicable; warranty maxes may vary based on tier.

max Term max miles

61-72 60,000

49-60 70,000

37-48 80,000

24-36 100,000

FICO Range Approval %

book-to- Approve %

550-580 17.80% 22.60%

581-620 29.20% 19.00%

621-660 45.00% 13.20%

661-700 58.80% 10.50%

701+ 70.90% 11.40%

TERM MILEAGE GRID

FICO APPROVAL RANGE

This chart provides a very high level gauge of what to expect when submitting Santander Auto Finance applications. The approval percentage illustrates the percentage of applications you can expect to be approved in that FICO range. The book-to-approve percentages shows how many of those approvals have historically funded, post approval.

Santander Auto FinanceA near-prime program that’s Ready for your BusinessSM

How to spot an SAF customer

» 550 and above

» No recent major derogatory credit information

» Minimum $500 cash or trade

» Minimum of four open trade lines

For best pricing

» 60,000 miles or less

» Avoid restricted units

» Add a favorable co-signer

» Use favorable deal structures

� PTI less than 5% � LTV lower than 120% � >20% down payment

To avoid additional fees please be aware of the following

» Expired approval fees will apply if approval is expired

» Resubmittal fee of $495 will apply if contracts have to be resubmitted

» No past due bills (POR/phone bills) or $249.99 will be charged

» Self-employed applicants using bank statements as POI (in lieu of Tax Return) will be charged a $200 fee

SEND US All oF yoUr primE DEcliNES 550 AND AbovE We look forward to earning your business and helping you sell more cars. We have money to lend and want to partner with high-quality dealers who value their customers as much as we do.

LISTED ON DEALERTRACK AND ROUTEONE AS “SANTANDER AUTO.”

SANTANDER AUTO FINANCEReady for your Business SM

866.552.2528 | SantanderAuto.com

Santander Auto Finance resources

SANTANDER CREDIT NUmbER > 866.552.2528FUNDINg NUmbER > 800.877.4696S-gUARD NUmbER > 800.527.1984 x8703SANTANDER PAyOFFS NUmbER > 888.222.4227

WEb SITE > www.SantanderconsumerUSA.comNEWS & TIPS > www.GreenlightToDrive.comExTRANET > Dealer.SantanderconsumerUSA.com

CONTRACT PACKAgES FEDExSantander Consumer USAeDocs Program, Suite 20394054 Willow Lake boulevardmemphis, TN 38153

CONTRACT PACKAgES UPS OR USPSSantander Consumer USAeDocs Program, Suite 20393268 Progress WayWilmington, OH 45177

LIENHOLDER

(FOR TITLE AND bACK-END PRODUCTS)Santander Consumer USAP.O. box 25120Lehigh Valley, PA 18002-5120

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