Santander Consumer USA Holdings Inc. Contracts & Agreements

Offer Letter Amendment by and between Santander Consumer USA Inc. and Mahesh Aditya, executed on January 12, 2022 (Filed With SEC on January 14, 2022)

Offer Letter, dated August 31, 2021, by and between Marc Womack and Santander Consumer USA Inc. and Santander Consumer USA Holdings Inc (Filed With SEC on October 27, 2021)

Agreement and Plan of Merger, dated as of August 23, 2021, by and among Santander Consumer USA Holdings Inc., Santander Holdings USA, Inc. and Max Merger Sub, Inc (Filed With SEC on August 26, 2021)

Offer letter, dated April 20, 2021 by and between Bruce Jackson and Santander Consumer USA Inc (Filed With SEC on July 30, 2021)

Offer letter, dated May 7, 2021 by and between Sandra Rosa and Santander Consumer USA Inc (Filed With SEC on July 30, 2021)

Offer Letter including Non-Disclosure of Confidential Information and Non-Solicitation Agreement, by and between Santander Consumer USA Inc. and Mahesh Aditya, executed on June... (Filed With SEC on July 1, 2021)

Amendment to Master Private Label Financing Agreement, dated May 18, 2021 (certain identified information has been excluded from this exhibit because it is both (i) not material... (Filed With SEC on May 21, 2021)

Description of Santander Consumer USA Holdings Inc. Common Stock (Filed With SEC on February 24, 2021)

Offer Letter, dated (Filed With SEC on February 24, 2021)

Letter Agreement dated December 2, 2020, between Santander Consumer USA Holdings Inc. and Josh Baer (Filed With SEC on December 2, 2020)

Offer Letter, dated April 20, 2020, by and between Christopher Pfirrman and Santander Consumer USA Inc. and Santander Consumer USA Holdings Inc. (certain identified information... (Filed With SEC on July 31, 2020)

Offer Letter, by and among Gene Cohler and Santander Consumer USA Holdings Inc. and Santander Consumer USA (Filed With SEC on May 1, 2020)

Description of Santander Consumer USA Holdings Inc. Common Stock (Filed With SEC on February 27, 2020)

Offer Letter, by and between Santander Consumer USA Inc. and Mahesh C. Aditya, dated February 11, 2020 (Filed With SEC on February 18, 2020)

Post-Employment Agreement, effective December 9, 2019, executed by Scott Powell in favor of SHUSA and the Company (Filed With SEC on December 12, 2019)

Amended Letter Agreement, by and between Santander Consumer USA Holdings Inc. and Sandra Broderick, dated October 23, 2019 (Filed With SEC on October 28, 2019)

Offer Letter, by and among Fahmi Karam and Santander Consumer USA Holdings Inc. and Santander Consumer USA Inc., dated July 23, 2019 (Filed With SEC on July 24, 2019)

Amendment to the Master Private Label Financing Agreement, dated June 28, 2019 (certain identified information has been excluded from this exhibit because it is both (i) not... (Filed With SEC on July 1, 2019)

Form of Award Agreement under the Santander Consumer USA Holdings Inc. Omnibus Incentive Plan (Filed With SEC on February 26, 2019)

Letter Agreement, dated as of September 14, 2018, between Santander Holdings USA, Inc. and Scott Powell (Filed With SEC on September 20, 2018)

Offer Letter, by and among Fahmi Karam and Santander Consumer USA Holdings, Inc. and Santander Consumer USA Inc., dated May 1, 2018 (Filed With SEC on July 31, 2018)

Separation Agreement and Release of Waiver of Claims, by and among Donald Goin and Santander Consumer USA Holdings Inc. and Santander Consumer USA Inc., dated March 9, 2018 (Filed With SEC on July 31, 2018)

Separation Agreement and Release of Waiver of Claims, by and among Dale Cochran II and Santander Consumer USA Holdings Inc. and Santander Consumer USA Inc., dated May 7, 2018 (Filed With SEC on July 31, 2018)

Tolling Agreement between Santander Consumer USA Inc. and FCA US LLC, dated July 11, 2018 (Filed With SEC on July 17, 2018)

Offer Letter, by and among Joshua Baer and Santander Consumer USA Holdings, Inc. and Santander Consumer USA Inc., dated February 23, 2018 (Filed With SEC on May 2, 2018)

Offer Letter, by and among Reza Leaali and Santander Consumer USA Holdings Inc. and Santander Consumer USA Inc., dated January 24, 2018 (Filed With SEC on February 28, 2018)

Settlement Agreement, dated November 15, 2017, by and among SC, SHUSA, Santander Consumer USA Inc., Santander, Mr. Dundon, and DDFS, LLC (Filed With SEC on November 17, 2017)

Separation Agreement and Release and Waiver of Claims, by and among Ismail Dawood and Santander Consumer USA Holdings Inc. and Santander Consumer USA Inc., dated October 3, 2017 (Filed With SEC on October 6, 2017)

Offer Letter, by and among Juan Carlos Alvarez de Soto and Santander Consumer USA Holdings Inc. and Santander Consumer USA Inc., dated September 28, 2017 (Filed With SEC on October 2, 2017)

Offer Letter, by and among Sandra Broderick and Santander Consumer USA Holdings Inc. and Santander Consumer USA Inc., dated September 20, 2017 (Filed With SEC on October 2, 2017)

Waiver and Release of Claims Agreement, effective September 7, 2017, executed by Jason A. Kulas in favor of the Company (Filed With SEC on September 13, 2017)

EXHIBIT A CONFIDENTIALITY AND RESTRICTIVE COVENANT AGREEMENT (Filed With SEC on May 5, 2017)

FIRST AMENDMENT TO SEPARATION AGREEMENT (Filed With SEC on February 28, 2017)

FORM OF CONFIDENTIALITY AND RESTRICTIVE COVENANT AGREEMENT (Filed With SEC on October 27, 2016)

SEPARATION AGREEMENT (Filed With SEC on September 16, 2016)

SECOND AMENDMENT TO SEPARATION AGREEMENT (Filed With SEC on September 7, 2016)

THIRD AMENDMENT TO SHAREHOLDERS AGREEMENT (Filed With SEC on September 7, 2016)

Exhibit A FORM OF CONFIDENTIALITY AND RESTRICTIVE COVENANT AGREEMENT Exhibit B ARBITRATION POLICY (Filed With SEC on June 23, 2016)

SANTANDER CONSUMER USA HOLDINGS INC. OMNIBUS INCENTIVE PLAN (Amended and Restated Effective as of June 16, 2016) (Filed With SEC on June 17, 2016)

SANTANDER CONSUMER USA HOLDINGS INC. OMNIBUS INCENTIVE PLAN RESTRICTED STOCK UNIT AWARD AGREEMENT (Filed With SEC on March 31, 2016)

SANTANDER CONSUMER USA HOLDINGS INC. LONG-TERM CASH AWARD AGREEMENT (Filed With SEC on March 31, 2016)

SANTANDER CONSUMER USA HOLDINGS INC. OMNIBUS INCENTIVE PLAN NONQUALIFIED STOCK OPTION AGREEMENT (Filed With SEC on March 31, 2016)

SANTANDER CONSUMER USA HOLDINGS INC. OMNIBUS INCENTIVE PLAN FORM OF DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT (Filed With SEC on October 29, 2015)

SECOND AMENDMENT TO SHAREHOLDERS AGREEMENT (Filed With SEC on July 2, 2015)

FIRST AMENDMENT TO SHAREHOLDERS AGREEMENT (Filed With SEC on May 27, 2015)

SANTANDER CONSUMER USA HOLDINGS INC. OMNIBUS INCENTIVE PLAN RESTRICTED STOCK UNIT AWARD AGREEMENT (Filed With SEC on March 2, 2015)

SANTANDER CONSUMER USA HOLDINGS INC. LONG-TERM CASH AWARD AGREEMENT (Filed With SEC on March 2, 2015)

SANTANDER CONSUMER USA HOLDINGS INC. OMNIBUS INCENTIVE PLAN NONQUALIFIED STOCK OPTION AGREEMENT (Filed With SEC on March 2, 2015)

Santander Consumer USA Holdings Inc. 10,047,954 Shares Common Stock ($0.01 par value) Underwriting Agreement (Filed With SEC on September 8, 2014)

Santander Consumer USA Holdings Inc. [ ] Shares Plus an option to purchase from the Selling Stockholder up to[ ] additional securities to cover over-allotments Common Stock ($0.01... (Filed With SEC on August 14, 2014)

Form of Non-Employee Independent Director Option Award Agreement (Filed With SEC on January 22, 2014)

Form of Time- and Performance-Based Option Award Agreement (Series 3) (Filed With SEC on January 22, 2014)

Form of Time-Based Option Award Agreement (Series 2) (Filed With SEC on January 22, 2014)

Santander Consumer USA Holdings Inc. [ ] Shares Plus an option to purchase from the Selling Stockholders up to[ ] additional Securities tocover over-allotments Common Stock ($0.01... (Filed With SEC on January 17, 2014)

AGREEMENT AND PLAN OF MERGER (Filed With SEC on January 17, 2014)

[FORM OF SHAREHOLDERS AGREEMENT] Santander Consumer USA Holdings Inc. (a Delaware corporation) SHAREHOLDERS AGREEMENT Dated as of [ ], 2014 TABLE OF CONTENTS (Filed With SEC on January 17, 2014)

Amendment No. 1 to Shareholders Agreement (Filed With SEC on January 17, 2014)

Amendment No. 1 to Santander Consumer USA Inc. 2011 Management Equity Plan (Filed With SEC on January 17, 2014)

SANTANDER CONSUMER USA HOLDINGS INC. SENIOR EXECUTIVE ANNUAL BONUS PLAN (Filed With SEC on January 17, 2014)

Amendment No. 1 to Shareholders Agreement (Filed With SEC on January 9, 2014)

RECITALS: (Filed With SEC on January 9, 2014)

SANTANDER CONSUMER USA INC. OMNIBUS INCENTIVE PLAN (Effective as of December 28, 2013) (Filed With SEC on January 9, 2014)

SANTANDER CONSUMER USA INC. OMNIBUS INCENTIVE PLAN RESTRICTED STOCK AWARD AGREEMENT (FOR MANAGEMENT) (Filed With SEC on January 9, 2014)

Amendment No. 1 to Santander Consumer USA Inc. 2011 Management Equity Plan (Filed With SEC on January 9, 2014)

Amendment No. 1 to Option Award Agreement (Filed With SEC on January 9, 2014)

Amendment No. 1 to Shareholders Agreement (Filed With SEC on January 9, 2014)

MASTER PRIVATE LABEL FINANCING AGREEMENT between CHRYSLER GROUP LLC and SANTANDERCONSUMER USA INC. Dated as of February 6, 2013 TABLE OF CONTENTS (Filed With SEC on January 9, 2014)

SANTANDER CONSUMER USA INC. OMNIBUS INCENTIVE PLAN (Effective as of December 28, 2013) (Filed With SEC on January 9, 2014)

SANTANDER CONSUMER USA INC. OMNIBUS INCENTIVE PLAN RESTRICTED STOCK AWARD AGREEMENT (FOR MANAGEMENT) (Filed With SEC on January 9, 2014)

Amendment No. 1 to Santander Consumer USA Inc. 2011 Management Equity Plan (Filed With SEC on January 9, 2014)

Amendment No. 1 to Option Award Agreement (Filed With SEC on January 9, 2014)

[SANTANDER CONSUMER USA HOLDINGS INC. LOGO] (Filed With SEC on January 7, 2014)

FORM OF SHAREHOLDERS AGREEMENT (Filed With SEC on December 31, 2013)

ARTICLE I DEFINITIONS; RULES OF CONSTRUCTION (Filed With SEC on November 22, 2013)

CONFIDENTIAL EMPLOYMENT AGREEMENT (Filed With SEC on November 22, 2013)

MASTER PRIVATE LABEL FINANCING AGREEMENT between CHRYSLER GROUP LLC and SANTANDERCONSUMER USA INC. Dated as of February 6, 2013 TABLE OF CONTENTS (Filed With SEC on November 22, 2013)

CONFIDENTIAL EMPLOYMENT AGREEMENT (Filed With SEC on July 3, 2013)

AMENDED AND RESTATED EMPLOYMENT AGREEMENT (Filed With SEC on July 3, 2013)

SANTANDER CONSUMER USA, INC. 2011 MANAGEMENT EQUITY PLAN (Filed With SEC on July 3, 2013)

Form of Option Award Agreement (Filed With SEC on July 3, 2013)

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Santander Consumer USA Holdings Inc. Contracts & Agreements