José Luis de Mora Gil-Gallardo

Merrill Lynch, Pierce, Fenner & Smith, Inc. (MLPFS) is the SEC-registered broker/dealer subsidiary of Merrill Lynch & Co., Inc., ultimately held by Charlotte-based Bank of America Corp. (NYSE: BAC). The firm was founded in 1958 and is headquartered in New York City. In 2010, Banc of America Securities LLC merged with MLPFS and the firm uses the trade name Bank of America Merrill Lynch. MLPFS's global strategy and economics team serves institutional and individual investors using a wide range of macroeconomic disciplines. Their analysis of global issues provides clients with investment ideas, market forecasts, macro overviews and specific sector recommendations across asset classes, regions and disciplines. Their equity research team conducts fundamental analysis on companies globally and provides institutional and retail clients with industry-specific and in-depth research and analysis on numerous industries. The firm's global fixed-income and equity-linked research focuses on fixed-income and equity derivatives, fixed-income strategy, convertibles, commodities, high-yield, mortgages, municipals and global foreign exchange.

Santander Bank, NA engages in provision of financial products and services. It offers retail banking, mortgages, corporate banking, cash management, capital markets, trust and wealth management, and insurance. The company was founded in 2013 and is headquartered in Wilmington, DE.

Santander Consumer USA, Inc. provides automobile financing services. It offers auto lead and lending programs on direct and indirect platforms. The company was founded by Thomas G. Dundon in 1995 and is headquartered in Forth Worth, TX.

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.

Santander Consumer Finance SA engages in provision of retail finance products. It offers car finance, credit card, debt consolidation, deposits, durables finance, industrial equipment leasing and insurance. The company was founded in 1963 and is headquartered in Boadilla del Monte, Spain.

Santander Consumer Bank SA engages in the provision of banking services. It offers credits, loans, deposits, installment plans, insurance, and other financial services. The company was founded in 1995 and is headquartered in Wroclaw, Poland.