Index. Page. Santander Consumer Finance Oy Hermannin Rantatie 10 Helsinki Y-tunnus

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1 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Cover Sheet Monthly Investor Report Monthly Period Aug-14 Interest Period from to = 15 days Index Page 1 Portfolio Information 1 2 Amount Due for Distribution 2 3 Reserve Accounts 3 4 Performance Data 4 5 Outstanding Notes 5 6 Counterparty Ratings, Trigger Levels and Consequences 6 7 a Original Principal Balance 7 7 b Original PB (Graph) 8 8 a Outstanding principal Balance 9 8 b Outstanding PB (Graph) 1 9 a Geographical Distribution 11 9 b Geographical (Graph) 12 1 a Interest Rate 13 1 b Interest Rate (Graph) a Remaining Terms b Remaining Terms (Graph) a Seasoning b Seasoning (Graph) a Balloon loans as % of other loans b Balloon loans as % of other loans (Graph) 2 14 a Loans per borrower b Loans per borrower (Graph) a Amortization Profile b Amortization Profile (Graph) a Payment Holidays b Payment Holidays (Graph) a Restructured Loans b Restructured Loans (Graph) Defaults, Recoveries and Losses by Quarter of Default Priority of Payments Pre-Enforcement 3 2 Transaction Costs Contact Details 32

2 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Portfolio Information Monthly Period Aug-14 Interest Period from to = 15 days Current Period Previous Period Aggregated Outstanding Aggregated Outstanding Outstanding receivables Principal Amount Principal Amount Opening balance ,4 EUR ,16 EUR Scheduled Loan Principal Repayments ,5 EUR ,6 EUR Prepayments ,18 EUR ,34 EUR Deemed Collections ,3 EUR - EUR Total Principal Payments Received ,53 EUR ,4 EUR New Defaulted Auto Loans in Period 51 74,51 EUR 83 65,72 EUR Closing Balance - EUR ,4 EUR Total revenue collections Revenue and fees received on loan balances ,2 EUR ,72 EUR recoveries on loans in default 81 47,3 EUR ,8 EUR of which proceeds from bad debt sales - EUR - EUR of which due to proceeds exceeding valuation - EUR - EUR Total revenue received in period 53 14,32 EUR ,8 EUR # Loans At beginning of period Loans Loans Paid in full 89 Loans 966 Loans Repurchased (Deemed Collections) 12 9 Loans - Loans New loans into Default 9 Loans 1 Loans of which required payment to customer upon valuation - Loans - Loans At end of period - Loans Loans Weighted Average Loan Return 13,88 %

3 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Amount Due for Distribution Monthly Period Aug-14 Interest Period from to = 15 days Purchaser Available Distribution Amount Current Period Previous Period a. Collections (Principal, interest, and fee etc) ,85 EUR #REF! NOK b. Stamp Duty, Taxes, Liabilities etc. Paid by the Seller to the Purchaser, EUR #REF! NOK c. Default, Interest, Indemnities etc Paid by the Seller to the Purchaser, EUR #REF! NOK d. Other amounts Paid by the Seller to the Purchaser, EUR #REF! NOK e. Interest Earned by the Purchaser, EUR #REF! NOK Total Amount for Purchaser Available Distribution Amount ,85 EUR #REF! NOK Issuer Available Distribution Amount Current Period a. Amounts due to Issuer from Purchaser under the Loan Agreement ,52 EUR b. Reserve Fund , EUR c. Swap counterparty payment to the Issuer, EUR d. Drawings under the Liquidity Facility, EUR e. Interest Earned by the Issuer -194,74 EUR Total Amount for Issuer Available Distribution Amount ,78 EUR

4 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Reserve Accounts Monthly Period Aug-14 Interest Period from to = 15 days Note Balance Beginning of Period , EUR End of Period - EUR Reserve Fund in % Beginning of Period 3,4 % , EUR Cash Outflow , EUR Cash Inflow - EUR End of Period, % - EUR Required Reserve Amount, % - EUR Servicer Advance Reserve Fund Beginning of Period 1, EUR Cash Outflow 1, EUR Cash Inflow - EUR End of Period - EUR Required Reserve Amount - EUR Set-off from Deposits No borrowers whose loans were sold to SCF Rahoituspalvelut Ltd held deposits with. The risk of set-off from deposits is therefore zero.

5 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Performance Data Monthly Period Aug-14 Interest Period from to = 15 days Asset Balance Beginning of Period ,4 EUR End of Period - EUR Portfolio Performance: EUR % # loans Performing Receivables: Current -, % 1-3 days past due -, % Delinquent Receivables: 31-6 days past due -, % 61-9 days past due -, % days past due -, % days past due -, % days past due -, % Total Performing and Delinquent -, % Current Period Defaults 51 74,51 9 Cumulative Defaults ,23 42 Current Period Recoveries 81 47,3 Cumulative Recoveries ,9

6 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Outstanding Notes Monthly Period Aug-14 Interest Period from to = 15 days 1. Note Balance All Notes Class A Class A Class B Class B General Note Information ISIN Code N/A x N/A N/A Currency EUR EUR EUR EUR Initial Tranching 1 % 83 % % 16 %,5 % Legal Final Maturity Date Rating (Fitch/Moody's) AAAsf/Aaa(sf) AAAsf/Aaa(sf) N/A N/A Initial Notes Aggregate Principal Outstanding Balance , EUR 42 4, EUR 35, EUR 79 5, EUR 24 EUR Initial Nominal per Note 1, EUR 1, EUR 1, EUR 1 EUR Initial Number of Notes per Class Current Note Information Class Principal Outstanding Opening Balance , EUR - EUR - EUR ,68 EUR ,32 EUR Available Distribution Amount ,85 EUR Amortisation , EUR Redemption per Class ,32 EUR - EUR - EUR , EUR ,32 EUR Redemption per Note - EUR - EUR , EUR , EUR Class Principal Outstanding Closing Balance - EUR - EUR - EUR - EUR - EUR Current Tranching, %, %, %, % Current Pool Factor Payments to Investors per Note All Notes Class A Class A Class B Class B Interest Rate Basis: 1-M EURIBOR / Spread,8 % 1, % 1, % 1,1 % 1,1 % Day Count Convention 15, 15, 15, 15, Interest Days 15 Principal Outstanding per Note Beginning of Period - EUR - EUR ,99 EUR 887,18 EUR >Principal Repayment per note - EUR - EUR ,99 EUR 887,18 EUR Principal Outstanding per Note End of Period - EUR - EUR - EUR - EUR >Interest accrued for the period - EUR - EUR 44, EUR - EUR Interest Payment 34 98, - EUR - EUR 34 98, EUR - EUR Interest Payment per Note - EUR - EUR 44, EUR - EUR 3. Credit Enhancements Initial total CE (Subordination, Reserve) 18, % 1,5 % Current CE (incl. Excess Spread), %, % Current CE (excl. Excess Spread), %, %

7 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Period No 6. Counterparty Ratings, Trigger Levels and Consequences Monthly Period Interest Period from to = 15 days Rating Triggers Short Term Long Term Fitch Moody's Fitch Moody's Transaction Role Counterparty Criteria Current Criteria Current Criteria Current Criteria Current Trigger breached? Summary of Contractual Requirements if Rating Trigger Breach Issuer Rahoituspalvelut Limited No rating No rating No rating No rating N/A Seller Santander Consumer Finance OY No rating No rating No rating No rating N/A Servicer Santander Consumer Finance OY No rating No rating No rating No rating N/A the Back-up Servicer Facilitator, Banco Santander S.A, will perform the following services: (a) in accordance with the Servicer's Owner Santander Consumer Finance N/A F2 N/A P-2 Outlook stable BBB- A- Outlook stable Baa3 Baa1 Outlook stable N provisions of this Agreement, select an appropriate bank or financial institution to act as a successor servicer in the event that a Servicer Termination Notice is delivered; (b) review the information provided to it by the Servicer under this Agreement; (c) enter into appropriate data confidentiality provisions; and (d) notify the Servicer if it requires further assistance The Liquidity Facility Provider (Banco Santander) shall either a) assign or transfer all its rights, benefits, and obligations to a bank or financial intermediary passported to perform banking activities in Ireland that (i) meets the Liquidity Facility Provider Banco Santander S.A. F1 Rating Watch Negative F2 P-1 Review for possible Downgrade P-2 Outlook stable A Rating Watch Negative A- Outlook stable A1 Review for possible downgrade Baa1 Outlook stable Y applicable Required Ratings (ii) enters into a liquidity facility agreement on substantially the same terms as the Liquidity Facility Agreement and (iii) accedes to the Issuer Security Trust Deed all by no later than 3 calendar days from the date on which the Ratings Downgrade took place if the Liquidity Facility provider fails to provide Cash Collateral or b) deposit an amount equal to the Available Facility into the Issuer Transaction Account by no later than 14 calendar days after the downgrade (Cash Collateral) The Swap Counterparty (Banco Santander) will be obliged, within the time periods specified in the Basis Swap Agreement, at its own cost, to post collateral for its obligations in accordance with the provisions of the Fitch Rating event I & Moodys first trigger F2 F2 P-2 P-2 A- A- Outlook stable A3 Baa1 Outlook stable Y Credit Support Annex, and in addition, will be obliged, within the time periods specified in the Basis Swap Agreement, at its cost, to either (i) obtain a guarantee of its obligations under the Basis Swap Agreement from a third party with the Required Ratings; or (ii) transfer all of its rights and obligations under the Basis Swap Agreement to a third party with the Required Ratings Provide collateral in the form of cash or securities or both, in support of its obligations under this Agreement, in accordance with the provisions of the Issuer Swap Provider Banco Santander S.A. Fitch Rating event II F3 F2 N/A P-2 BBB A- Outlook stable N/A Baa1 Outlook stable N Credit Support Annex (such provision of collateral being a "Fitch Ratings Event II Collateral Cure" for the purposes of Fitch), and, upon the expiry of the relevant period from (and including) the date which such Fitch Ratings Event II occurs to (and including) the 14th calendar day thereafter (the "Rating Event Cure Period") shall be deemed to have elected to effect a Fitch Ratings Event II Collateral Cure (for the purposes of Fitch) unless and until an alternative Rating Event Cure for such Fitch Ratings Event is or has been effected, Fitch Rating event III & Moodys second trigger B F2 Not Prime P-2 BB+ A- Outlook stable Ba1 Baa1 Outlook stable N Provide a eligible Guarantee, or replace Swap Counterparty If at any time a Ratings Downgrade has occurred in respect of the Transaction Account Bank, then the Issuer and the Purchaser shall (with the prior written consent of the Note Trustee) procure that, within 3 calendar days, (i) in relation to the Issuer, the Issuer Secured Accounts and the Expenses Loan Payment Account and all of the funds Issuer Bank Deutsche Bank AG F1 Rating Watch Negative F1+ P-1 Review for possible Downgrade P-1 A Rating Watch Negative A+ A 1 Review for possible downgrade A3 Y standing to the credit of the Issuer Secured Accounts and the Expenses Loan Payment Account and (ii) in relation to the Purchaser, the Purchaser Transaction Account and all funds standing to the credit of the Purchaser Transaction Account, are transferred to another bank or banks that meet the applicable Required Ratings (which bank shall be notified in writing by the Issuer to the Transaction Account Bank) and approved in writing by the Note Trustee and in accordance with the provisions of the Transaction Account Bank Agreement. The appointment of the Transaction Account Bank shall terminate on the date on which the appointment of the new transaction account bank becomes effective. Paying Agent and related roles Deutsche Bank AG F1+ P-1 A+ A3 N/A Corporate Service Provider Deutsche International Corporate Services F1+ P-1 A+ A3 N/A Note Trustee and Security Trustee Deutsche Trustee Company Limited F1+ P-1 A+ A3 N/A Within 3 calendar days, the Issuer Collections Account and all of the funds standing to the credit of the Issuer Collections Account are transferred to another bank or banks who meet the Required Ratings (which bank shall be notified in writing by the Servicer to the Collections Account Bank and approved in writing by the Note Trustee); Collections Bank SEB AB F1 Rating Watch Negative F1 P-1 Review for possible Downgrade P-1 A Rating Watch Negative A+ A1 Review for possible downgrade A 1 N the appointment of the Collections Account Bank shall terminate on the date on which the appointment of the new transaction account bank becomes effective. Upon the transfer of the Issuer Collections Account to another bank, the Issuer will procure that the new transaction Upon the transfer of the Issuer Collections Acoount to another bank, the Issuer will procure that the new transaction account bank enters into an agreement substantially in the form of the Issuer Collections Account Agreement and accedes to the Issuer Security Trust Deed.

8 Original balance SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Original Portfolio Principal Balance Monthly Period aug. 14 Interest Period from to = 15 days Average outstanding principal balance: TOTAL Min Max No Original balance % WA months to maturity WA seasoning, 4 999, ,1 % 2,3 2,2 5, 9 999, ,1 % 33,3 16, 1, , ,5 % 4, 13,1 15, , ,2 % 44,2 12,1 2, , ,6 % 45,8 1,7 25, , ,4 % 46,3 9,8 3, , ,3 % 46,5 9,7 35, , ,1 % 45,7 1,4 4, , ,6 % 45,4 9,9 45, ,99 99, , % 45,7 1, 5, , ,8 % 45,7 9, 55, , ,6 % 45,7 1,1 6, ,7 % 44,8 9,2 Total , % 39,3 13,3

9 Original Principal Balance (NOK) SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Original Principal Balance Graph Monthly Period aug. 14 Interest Period from to = 15 days Original Principal Balance (Total) , , , , , , , , , , , ,99 +, 5, 1, 15, 2, 25, 3, 35, 4, 45, 5, 55, 6,

10 Outstanding balance SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Outstanding Principal Balance Monthly Period aug. 14 Interest Period from to = 15 days Average amount - all: #DIV/! Min Max No Outstanding balance % of Outstanding balance % of loans TOTAL WA months to maturity WA seasoning 5 % % 5 1 % % 1 15 % % 15 2 % % 2 25 % % 25 3 % % 3 35 % % 35 4 % % 4 45 % % 45 5 % % 5 55 % % 55 6 % % 6 + % % Total, % %

11 Original Principal Balance (NOK) SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Outstanding Principal Balance Graph Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : Outstanding Principal Balance (Total)

12 Geographic distribution SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Geographical Distribution Monthly Period aug. 14 Interest Period from = 3 days District No Outstanding balance % of Outstanding balance % of Loans WA months to maturity WA seasoning 1:49999 Central Finland, % 5:99999 Eastern Finland, % 1: East Tavastia, % 15: Greater Helsinki, % 2: Northern Finland, % 25: Northern Savonia, % 3: Ostrobothnia, % 35: South-Eastern Fi, % 4: South-Western Fi, % 45: Western Tavastia, % 5: TOTAL Total %, % -,

13 Oustanding Principal Balance SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Geographical Distribution Graph Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : Geographical Distribution (Total) 1 1 Central Finland Eastern Finland East Tavastia Greater Helsinki Northern Finland Northern Savonia Ostrobothnia South-Eastern Fi South-Western Fi Western Tavastia

14 Interest distribution SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Interest Rate Monthly Period aug. 14 Interest Period from to = 15 days TOTAL Min (>=) Max (<) No Outstanding balance % of total WA months to maturity WA seasoning Outstanding balance <-1% < 1 % -, %,, 1%-2% 1 % 2 % -, %,, 2%-4% 2 % 4 % -, %,, 4%-6% 4 % 6 % -, %,, 6%-8% 6 % 8 % -, %,, 8%-1% 8 % 1 % -, %,, 1%-12% 1 % 12 % 12%-14% 12 % 14 % 14%-16% 14 % 16 % 16%-18% 16 % 18 % Total % -,

15 Outstanding Principal Balance SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Interest Rate Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : 1,,9,8,7,6 Interest Rate Levels (Total),5,4,3,2,1, <-1% 1%-2% 2%-4% 4%-6% 6%-8% 8%-1% 1%-12% 12%-14% 14%-16% 16%-18% Interest Rate Level Intervals

16 Months to maturity SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Remaining Terms Monthly Period aug. 14 Interest Period from to = 15 days Min Max No Outstanding balance % WA months to maturity WA seasoning 1-12, %,, , %,, , %,, , %,, < > TOTAL Total % -,

17 Outstanding Principal Balance SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Remaining Terms Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : 1,,9,8,7,6 Remaining Terms (Total),5,4,3,2,1, < Remaining Terms

18 Months on book SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Seasoning Monthly Period aug. 14 Interest Period from to = 15 days Min Max No Outstanding balance % of Outstanding Balance WA months to maturity WA seasoning , %,, , %,, , %,, , %,, , %,, TOTAL % -,

19 Outstanding Principal Balance SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Seasoning Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : 1,,9,8,7,6 Seasoning (Total),5,4,3,2,1, Months on Book

20 Hybrid loans in % of portfolio SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Balloon loans Monthly Period aug. 14 Interest Period from to = 15 days TOTAL Min No Outstanding balance % of Outstanding % of Outstanding Residual Value Balance Balance WA months to maturity WA seasoning Standard, % -, %,, Balloon, % -, %,, Total % % -,

21 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Balloon loans Monthly Period aug. 14 Interest Period from to = 15 days : : : : : : : : : : : : : Hybrid loans in % of portfolio % Standard Balloon

22 # loans per borrower SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a # loans per borrower Monthly Period aug. 14 Interest Period from to = 15 days Total number of loans Total number of debtors Outstanding balance % , % < Total % TOTAL

23 Outstanding Principal Balance SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b # loans per borrower Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : # loans per borrower 1 1 # loans

24 Amortization profile (first 2 periods) SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Amortization Profile Monthly Period aug. 14 Interest Period from to = 15 days Period Opening Balance Closing Balance Amortization Interest Yield Percentage , %, % , %, % , %, % , %, % , %, % , %, % , %, % , %, % , %, % 121-< , %, % TOTAL , %, % , %, % , %, % , %, % , %, % , %, % , %, % , %, % , %, % , %, %

25 Amount Outstanding SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Amortization Profile Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : Amortization Profile 4 Closing balance EOP Period

26 Paymet Holiday SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Payment Holidays Monthly Period aug. 14 Interest Period from to = 15 days TOTAL Period No Number of periods granted Sum of Payments Closing Balance Total

27 # periods granted SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Payment Holidays Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : Payment Holidays 1 5 Period

28 Restructured SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date a Restructured Loans Monthly Period aug. 14 Interest Period from to = 15 days TOTAL Period No Outstanding Balance Total

29 Outstanding Balance SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date b Restructured Loans Monthly Period aug. 14 Interest Period from to = 15 days 1: : : : : : : : : : : : : Restructured Loans Period

30 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Defaults, recoveries and loss Monthly Period aug. 14 Interest Period from to = 15 days Default Quarter Default Amount Recovery Quarter No Of Loans Recoveries Cum. Cum. Cum. Cum. Recoveries Loss Recoveries Recoveries Loss Recoveries Recoveries Loss Recoveries Recoveries Loss Default Quarter Default Amount Recovery Quarter No Of Loans Recoveries Cum. Cum. Cum.Recovor Cum.Recovor Recoveries Loss Recoveries Recoveries Loss Recoveries ies Loss Recoveries ies Loss Default Quarter Default Amount Recovery Quarter No Of Loans Recoveries Cum.Recovor ies Loss

31 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Priority of Payments Monthly Period aug. 14 Interest Period from to = 15 days Purchaser Priority of Payments Purchaser Available Distribution Amount ,85 EUR Senior Expenses ,3 EUR Servicing Fee - - EUR Interest on Loan to Issuer ,55 EUR Principal on Loan to Issuer , EUR Principal on Purchaser Subordinated Loan - - EUR - Issuer Priority of Payments Issuer Available Distribution Amount ,78 EUR Senior Expenses ,97 EUR Net Swap Payments ,37 EUR Interest Notes Class A - - EUR Payments to Liquidity Provider - - EUR Principal Payments on Class A - - EUR Interest Notes Class B , EUR Principal Payments Class B , EUR Payments to Reserve Fund - - EUR Interest Issuer Subordinated Loan ,57 EUR Principal Issuer Subordinated Loan , EUR Termination Payment Swap Counterparty - - EUR Payment to Purchaser ,87 EUR Purchaser Priority of Payments: Second Pass Available Distribution Amount ,87 EUR Servicer Advance Fund Replenishment - - EUR Interest on Purchaser Subordinated Loan (SAF) - 128,29 EUR Principal on Purchaser Subordinated Loan (SAF) - - EUR Payment of residual funds to Seller* = ,58 EUR

32 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Transaction Costs Monthly Period aug. 14 Interest Period from to = 15 days Transaction Costs All Notes Class A Class B Senior Expenses 4 99,3 EUR Interest accrued for the Period 34 98, EUR - EUR 34 98, EUR Cumulative Interest accrued , EUR , EUR , EUR Interest Payments 34 98, EUR - EUR 34 98, EUR Cumulative Interest Payments , EUR , EUR , EUR Interest accrued on Subordinated Loans for the Period 3 219,86 EUR Cumulative Interest accrued on Subordinated Loans 44 49,11 EUR Interest Payments on Subordinated Loans 3 219,86 EUR Cumulative Interest Payments on Subordinated Loans 44 49,11 EUR Unpaid Interest for the Period - EUR Cumulative Unpaid Interest - EUR

33 SCF Rahoituspalvelut Limited Reporting Date Monthly Investor Report Payment date Contact Details Monthly Period aug. 14 Interest Period from to = 15 days Santander Consumer Bank AS Financial Markets Anders Bruun-Olsen anders.bruun.olsen@santanderconsumer.no Priscilla Halverson priscilla.halverson@santanderconsumer.no Thomas Andren-Johansen thomas.andren.johansen@santanderconsumer.no Accounting and Taxes Sari Alto sari.alto@santanderconsumer.no Risk Morten Christoffer Freberg Holme morten.holme@santanderconsumer.no Tom Daniel Sivertsen tom.daniel.sivertsen@santanderconsumer.no