Please find enclosed our Articles of Association

Disclosure Report

The attached report addresses the disclosure requirements of the bank according to the eighth part of the CRR (Capital Requirement Regulation). The Disclosure Report is published at least on a yearly basis after the Annual Report has been approved in due time.

Information on the emergency plan according to the benchmark regulation

Santander Consumer Bank AG, as a supervised entity, is subject to the Benchmark Regulation (BMR - Regulation (EU) 2016/1011 of the European Parliament and of the Council of 8 June 2016 on indices used as benchmarks in financial instruments and financial contracts). Pursuant to Art. 28 (2) sentences 1 and 2 BMR, supervised entities using benchmarks must establish and maintain robust written plans outlining actions they would take if a benchmark materially changes or ceases to be provided and inform their clients accordingly.

Information on the intragroup exemption of margin requirements related to the European Market Infrastructure Regulation

Following the submission of the intragroup exemption of margin requirements request between Santander Consumer Bank AG and Banco Santander S.A. to their local authorities, BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) and CNMV (Comisión Nacional del Mercado de Valores) have decided in a positive way.

Policy Statement

The Supply Chain Due Diligence Act, also known as the Supply Chain Act, highlights the entrepreneurial obligations to take care of the human right and environmental duties of care within the supply chains. The attached policy statement of Santander Consumer Bank AG takes reference.

Santander Group Green, Social & Sustainability Funding Global Framework

Banco Santander has published the following framework for the issuance of financial instruments with green, social or sustainable labels ( Santander Group Green, Social & Sustainability Funding Global Framework).