Lawrence McAlee

Santander Holdings USA, Inc. is a parent holding company, which engages in the provision of banking services through Santander Bank. It operates through the following segments: Consumer and Business Banking; Commercial and Industrial Banking; Commercial Real Estate and Vehicle Finance; Corporate and Investment Banking; Santander Consumer USA Holdings Inc. and its subsidiaries (SC); and Other. The Consumer and Business Banking segment include consumer and business banking customers, including consumer deposit, business banking, residential mortgage, unsecured lending and investment services. The Commercial and Industrial Banking segment comprises commercial lines, loans, letters of credit, receivables financing, and deposits to medium- and large-sized commercial customers. The Commercial Real Estate and Vehicle Finance segment covers commercial loans to dealers and financing for commercial equipment and vehicles. The Corporate and Investment Banking segment focuses in the investment banking, institutional sales, and trading and offering research reports of Latin American and European equity and fixed-income securities. The SC segment encompasses consumer finance company focused on vehicle finance and third-party servicing. The Other segment involves in the certain unallocated interest expense on the company's borrowings and other debt obligations and certain unallocated corporate income and indirect expenses. The company was founded in 1987 and is headquartered in Boston, MA.

Essent Guaranty, Inc. provides mortgage insurance services. It offers MI servicing and loss management. The firm offers education for homebuyers, essential and essent online Training. The company was founded by Mark A. Casale in 2008 and is headquartered in Radnor, PA.

Arthur Andersen LLP used to provide accounting services. It was also into consulting services for clients that operate businesses throughout the United States and around the world. Arthur Andersen was founded in 1913 and was headquartered in Chicago, IL.