UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549





FORM 10-K





(Mark One)

|☒ | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934.
|- | --------------------------------------------------------------------------------------

For the fiscal year ended December 31, 2016.

or



|☐ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934.
|- | ------------------------------------------------------------------------------------------

For the transition period from
 to
.





SANTANDER
DRIVE AUTO RECEIVABLES TRUST 2015-2

(Exact name of issuing entity as specified in its
charter)

Commission file number of the issuing entity:
333-192513-06

Central Index Key Number of issuing
entity: 0001638606

SANTANDER DRIVE AUTO RECEIVABLES LLC

(Exact name of depositor as specified in its charter)

Commission file number of depositor: 333-192513

Central Index Key Number of depositor: 0001383094

SANTANDER CONSUMER USA INC.

(Exact name of sponsor as specified in its charter)

Central Index Key Number of sponsor: 0001540151





Delaware

(State or other jurisdiction of incorporation or organization of the issuing entity)

35-7100315

(I.R.S. Employer Identification No. of the issuing entity)

c/o Santander Drive Auto Receivables LLC

1601 Elm Street, Suite 800

Dallas, Texas 75201

(Address of principal executive offices)

(214) 292-1930

(Telephone number, including area code)

Securities Registered Pursuant to Section 12 (b) of the Securities Exchange Act of 1934: None

Securities Registered Pursuant to Section 12 (g) of the Securities Exchange Act of 1934: None





Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities
Act.    Yes  ☐    No  ☒

Indicate by check mark if the registrant is not required
to file reports pursuant to Section 13 or Section 15(d) of the Act.    Yes  ☐    No  ☒

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90
days.    Yes  ☒    No  ☐

Indicate by check mark whether the registrant has
submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter)
during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes  ☒    No  ☐

Indicate by check mark if the disclosure of delinquent filers pursuant to Item 405 of Regulation S-K
(§229.405 of this chapter) is not contained herein and will not be contained, to the best of the Registrants knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  ☒

Indicate by check
mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. See definition of accelerated filer and large accelerated filer in Rule 12b-2 of the Exchange Act. (Check one):



|                        |  |                                                  |  |                           |  |  
|----------------------- |  | ------------------------------------------------ |  | ------------------------- |  | -
|Large accelerated filer |  | ☐                                                |  | Accelerated filer         |  | ☐
|                        |  |                                                  | 
|Non-accelerated filer   |  | ☒  (Do not check if a smaller reporting company) |  | Smaller reporting company |  | ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule
12b-2 of the Act).    Yes  ☐    No  ☒

State the aggregate market value of the voting and non-voting common equity held by
non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrants most
recently completed second fiscal quarter.Not applicable.

List hereunder the following documents if incorporated by reference and the part of the
Form 10-K (e.g. Part I, Part II, etc.) into which the document is incorporated: (1) Any annual report to security holders; (2) Any proxy information statement; and (3) Any prospectus filed
pursuant to Rule 424(b) or (c) under the Securities Act of 1933. The listed documents should be clearly described for identification purposes (e.g., annual report to security holders for fiscal year ended December 24, 1980).None.









---

PART I

The following items have been omitted in accordance with General Instruction J to Form 10-K:



|         |  |                        
|-------- |  | -----------------------
|Item 1:  |  | Business               
|         | 
|Item 1A: |  | Risk Factors           
|         | 
|Item 2:  |  | Properties             
|         | 
|Item 3:  |  | Legal Proceedings      
|         | 
|Item 4:  |  | Mine Safety Disclosures

Item 1B. Unresolved Staff Comments.

Nothing to report.

Substitute information
provided in accordance with General Instruction J to Form 10-K:

Item 1112(b) of Regulation AB.
Significant Obligors of Pool Assets (Financial Information).

Nothing to report.

Item 1114(b)(2) of Regulation AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments (Information Regarding Significant
Enhancement Providers).

Nothing to report.

Item 1115(b) of Regulation AB. Certain Derivatives Instruments (Financial Information).

Nothing to report.

Item 1117 of
Regulation AB. Legal Proceedings.

Wells Fargo Bank, N.A., as the indenture trustee, has provided the following information: On
June 18, 2014, a group of institutional investors filed a civil complaint in the Supreme Court of the State of New York, New York County, against Wells Fargo Bank, N.A., in its capacity as trustee under 276 residential mortgage backed
securities (RMBS) trusts, which was later amended on July 18, 2014, to increase the number of trusts to 284 RMBS trusts. On November 24, 2014, the plaintiffs filed a motion to voluntarily dismiss the state court action
without prejudice. That same day, a group of institutional investors filed a civil complaint in the United States District Court for the Southern District of New York against Wells Fargo Bank, N.A., alleging claims against the bank in its
capacity as trustee for 274 residential mortgage backed securities (RMBS) trusts (the Complaint). In December 2014, the plaintiffs motion to voluntarily dismiss their original state court action was granted. As
with the prior state court action, the Complaint is one of six similar complaints filed contemporaneously against RMBS trustees (Deutsche Bank, Citibank, HSBC, Bank of New York Mellon and US Bank) by a group of institutional investor
plaintiffs. The Complaint against Wells Fargo Bank, N.A. alleges that the trustee caused losses to investors and asserts causes of action based upon, among other things, the trustees alleged failure to (i) enforce repurchase
obligations of mortgage loan sellers for purported breaches of representations and warranties, (ii) notify investors of alleged events of default purportedly caused by breaches by mortgage loan servicers, and (iii) abide by appropriate
standards of care following alleged events of default. Relief sought includes money damages in an unspecified amount, reimbursement of expenses, and equitable relief. Other cases alleging similar causes of action have been filed against Wells
Fargo Bank, N.A. and other trustees by RMBS investors in these and other transactions.



2



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There can be no assurances as to the outcome of the litigation, or the possible impact of the
litigation on the trustee or the RMBS trusts. However, Wells Fargo Bank, N.A. denies liability and believes that it has performed its obligations under the RMBS trusts in good faith, that its actions were not the cause of any losses to investors,
and that it has meritorious defenses, and it intends to contest the plaintiffs claims vigorously.



3



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PART II

The following items have been omitted in accordance with General Instruction J to Form 10-K:



|         |  |                                                                                                             
|-------- |  | ------------------------------------------------------------------------------------------------------------
|Item 5:  |  | Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
|         | 
|Item 6:  |  | Selected Financial Data                                                                                     
|         | 
|Item 7:  |  | Managements Discussion and Analysis of Financial Condition and Results of Operations                       
|         | 
|Item 7A: |  | Quantitative and Qualitative Disclosures about Market Risk                                                  
|         | 
|Item 8:  |  | Financial Statements and Supplementary Data                                                                 
|         | 
|Item 9:  |  | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure                        
|         | 
|Item 9A: |  | Controls and Procedures                                                                                     

Item 9B. Other Information.

Santander Consumer USA Inc. (SC) is party to, or is periodically otherwise involved in, reviews, investigations, and proceedings (both formal and
informal), and information-gathering requests, by government and self-regulatory agencies, including the Board of Governors of the Federal Reserve System (the Federal Reserve), the CFPB, the U.S. Department of Justice (the
DOJ), the SEC, the Federal Trade Commission (the FTC) and various state regulatory agencies. Since July 2014, SC has received civil subpoenas and civil investigative demands from various federal and state agencies, including
from the DOJ under the Financial Institutions Reform, Recovery and Enforcement Act, the SEC and several state attorneys general, requesting the production of documents and communications that, among other things, relate to the origination,
underwriting and securitization of auto loans for varying time periods since 2007. Investigations, litigation proceedings and/or information-gathering requests that SC or any of its subsidiaries or affiliates are involved in, or may become involved
in, may result in adverse consequences to SC including, without limitation, adverse judgments, settlements, fines, penalties, injunctions, or other actions.

In October 2016, the parent of SC, Santander Consumer Holdings USA Inc. (SC Holdings), filed amendments to certain periodic reports previously
filed with the SEC after determining that its previously issued audited financial statements for the years ended December 31, 2015, 2014 and 2013, and previously issued unaudited financial statements contained in its Quarterly Reports on Form 10-Q for the quarters ended March 31, 2016, 2015 and 2014, June 30, 2015 and 2014 and September 30, 2015 and 2014 should no longer be relied on and should be restated due to certain errors identified
in such financial statements relating to (i) SC Holdings methodology for accreting dealer discounts, subvention payments from manufacturers and capitalized origination costs, (ii) SC Holdings lack of consideration of net
discounts when estimating the allowance for credit losses and (iii) the discount rate used in determining the impairment for loans accounted for as troubled debt restructurings. SC Holdings has reviewed all critical relationships and does not
foresee a material interruption in, or change to, normal business activities related to the delayed and amended filings. The financial statement errors relate to non-cash items and have no material impact on
net cash from operating activities, investing activities or financing activities. Additional information about SC Holdings, including information contained in required annual reports on Form 10-K, quarterly
reports on Form 10-Q and current reports on Form 8-K, is on file with the SEC under the name Santander Consumer USA Holdings Inc. and file number 001-36270.



4



---

SC, as servicer, entered into a Servicing Agreement, dated as of July 15, 2016 (the Subservicing
Agreement), and a related Amended and Restated Program Portfolio Schedule (SDART Publicly Registered Transactions), dated as of January 31, 2017 (the Program Portfolio Schedule), with Santander Consumer International Puerto
Rico LLC (the Subservicer), pursuant to which SC delegated to the Subservicer certain of its duties as servicer with respect to the asset pool held by the issuing entity. The Subservicing Agreement and the Program Portfolio Schedule are
attached as exhibits to this Form 10-K.

SC, as sole equity member, entered into a First Amendment, dated as of
February 28, 2017, to the Amended and Restated Limited Company Agreement of Santander Drive Auto Receivables LLC, the depositor, amending the definition of independent director. The First Amendment is attached as an exhibit to this Form 10-K.

On December 9, 2016, a First Amendment to Sale and Servicing Agreement was entered into amending the
definitions of Non-Investment Grade Notes and Restricted Notes in the Sale and Servicing Agreement. The First Amendment is attached as an exhibit to this Form 10-K.



5



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PART III

The following items have been omitted in accordance with General Instruction J to Form 10-K:



|         |  |                                                                                               
|-------- |  | ----------------------------------------------------------------------------------------------
|Item 10: |  | Directors, Executive Officers, and Corporate Governance                                       
|         | 
|Item 11: |  | Executive Compensation                                                                        
|         | 
|Item 12: |  | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
|         | 
|Item 13: |  | Certain Relationships and Related Transactions, and Director Independence                     
|         | 
|Item 14: |  | Principal Accounting Fees and Services                                                        

Substitute information provided in accordance with General Instruction J to Form
10-K:

Item 1119 of Regulation AB. Affiliations and Certain Relationships and Related
Transactions.

Information required by Item 1119 of Regulation AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119.

Item 1122 of Regulation AB. Compliance with
Applicable Servicing Criteria.

Each of SC, the Subservicer and Wells Fargo Bank, National Association (each, a Servicing
Participant) have been identified by the issuing entity as parties participating in the servicing function with respect to the pool assets held by the issuing entity. Each of the Servicing Participants has completed a report on an
assessment of compliance with the servicing criteria applicable to it (each, a Report on Assessment), which Reports on Assessment are attached as exhibits to this Form 10-K. In addition, each
of the Servicing Participants has provided an attestation report (each, an Attestation Report) by one or more registered public accounting firms, which reports are also attached as exhibits to this Form
10-K.

Managements Assessment of Compliance for SC has identified a material instance of
noncompliance related to the servicing criterion set forth in Item 1122(d)(3)(i)reports to investors, including those to be filed with the Commission, were not maintained in accordance with the transaction agreements and applicable Commission
requirements. Specifically, reports to investors provided information that was not calculated in accordance with the terms specified in the transaction agreements. This material instance of noncompliance relates to the asset-backed securities
covered in this Form 10-K and issued by the Issuer. The instance relates to two separate matters:

(1) Under the transaction agreements for the Platform, SC, as Servicer, is entitled to receive all Supplemental Servicing Fees as additional
servicing compensation, and such Supplemental Servicing Fees do not constitute Available Funds. However, SC included Supplemental Servicing Fees for certain transactions in the Platform under other amounts received and included such
amounts as part of Available Funds in the investor reports; for these transactions, Supplemental Servicing Fees were distributed in accordance with the payment priorities set forth in the related transaction agreements rather than being
retained by the Servicer.

To address this issue and the related instance of noncompliance, SC will stop including Supplemental Servicing
Fees as other amounts received for all transactions in the Platform beginning with the March 2017 collection period and will retain such amounts as additional servicing compensation as specified in the transaction agreements. SC
believes that the inclusion of Supplemental Servicing Fees as available funds did not result in any material adverse effect on security holders or the amounts or timing of payments to security holders.



6



---

(2) Under the transaction agreements for the Platform, SC, as Servicer, is required to pay all
expenses incurred by it in connection with its activities as servicer other than expenses in connection with the sale of a repossessed vehicle, which may be netted from liquidation proceeds from such sale. For certain transactions in the
Platform, SC did not net external costs associated with repossession expenses attributable to financed vehicles sold after the related receivables have become defaulted receivables; for these transactions, SC paid such repossession expenses and the
Liquidation Proceeds included in the investor reports and distributed in accordance with the payment priorities set forth in the related transaction agreements were greater than they would have been had SC reduced the liquidation
proceeds by the external costs associated with repossession expenses in accordance with the transaction agreements for those transactions.

To address this issue and the related instance of noncompliance, SC will amend the transaction agreements for the effected transactions in the
Platform to memorialize the agreement of the Servicer to pay such external costs of repossessions rather than netting such amounts from sale proceeds from the disposition of repossessed financed vehicles. SC believes that the payment of
external costs associated with repossession expenses by the Servicer and the failure to report Liquidation Expenses on the investor reports net of such repossession expenses for certain transactions did not result in any material adverse effect on
security holders or the amounts or timing of payments to security holders.

With respect to the matters described in paragraphs (1) and (2)
above, SC has already implemented additional policies and procedures to confirm that calculations included in investor reports are completed as set forth in the amended agreements, and is in the process of implementing greater management oversight
of reporting and implementing enhanced quality assurance controls.

Item 1123 of Regulation AB. Servicer Compliance Statements.

SC and the Subservicer have been identified by the issuing entity as the servicers with respect to the asset pool held by the issuing
entity. Each of SC and the Subservicer have completed a statement of compliance with applicable servicing criteria (each, a Compliance Statement) signed by an authorized officer. The Compliance Statements are attached as
exhibits to this Form 10-K.



7



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PART IV

Item 15. Exhibits and Financial Statement Schedules.



|       |  |                
|------ |  | ---------------
|(a)(1) |  | Not Applicable.
|       | 
|(a)(2) |  | Not Applicable.
|       | 
|(a)(3) |  | Not Applicable.
|       | 
|(b)    |  | Exhibits.      

The exhibits listed below are either included or incorporated by reference as indicated:



|            |  |                                                                                                                                                                                                                                                                               
|----------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit No. |  | Description                                                                                                                                                                                                                                                                   
|            | 
|1.1*        |  | Underwriting Agreement, dated as of April 15, 2015, among Santander Drive Auto Receivables LLC (Santander Drive), Santander Consumer USA Inc. (SC) and RBC Capital Markets, LLC, as representative of the
several underwriters                                            
|            | 
|3.1**       |  | Amended and Restated Limited Liability Company Agreement of Santander Drive dated as of March 7, 2007                                                                                                                                                                         
|            | 
|3.2         |  | First Amendment to Amended and Restated Limited Liability Company Agreement, dated as of February 28, 2017, by SC, as sole equity member (Incorporated by reference to Exhibit 3.1 to Form
8-K filed by the Santander Drive (Commission File No. 333-139609) on March 1, 2017)
|            | 
|4.1***      |  | Indenture, dated as of April 22, 2015, between Santander Drive Auto Receivables Trust 2015-2, as issuer (the Issuer), and Wells Fargo Bank, National Association, as indenture
trustee (the Indenture Trustee)                                                            
|            | 
|10.1***     |  | Purchase Agreement, dated as of April 22, 2015, between SC and Santander Drive                                                                                                                                                                                                
|            | 
|10.2***     |  | Sale and Servicing Agreement, dated as of April 22, 2015, among the Issuer, Santander Drive, SC and the Indenture Trustee                                                                                                                                                     
|            | 
|10.3***     |  | Administration Agreement, dated as of April 22, 2015, among the Issuer, SC, as administrator, and the Indenture Trustee                                                                                                                                                       
|            | 
|10.4***     |  | Amended and Restated Trust Agreement, dated as of April 22, 2015, between Santander Drive and Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee for the Issuer                                                               
|            | 
|10.5        |  | First Amendment to Sale and Servicing Agreement, dated December 9, 2016 (Incorporated by reference from Form 10-D filed by the Issuer (Commission File No. 333-192513-06) with the Securities and Exchange Commission on December 15, 2016)                                   
|            | 
|31.1        |  | Certification (Santander Drive)                                                                                                                                                                                                                                               
|            | 
|33.1        |  | Managements Assessment of Compliance with SEC Regulation AB Servicing Criteria (SC)                                                                                                                                                                                          
|            | 
|33.2        |  | Assessment of Compliance with the Applicable Servicing Criteria (Indenture Trustee)                                                                                                                                                                                           



8



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|     |  |                                                                                                                                                                                                                                                                                                 
|---- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|     | 
|33.3 |  | Managements Assessment of Compliance with SEC Regulation AB Servicing Criteria (Subservicer)                                                                                                                                                                                                   
|     | 
|34.1 |  | Report of Independent Registered Public Accounting Firm (PricewaterhouseCoopers LLP with respect to SC)                                                                                                                                                                                         
|     | 
|34.2 |  | Report of Independent Registered Public Accounting Firm (KPMG LLP with respect to the Indenture Trustee)                                                                                                                                                                                        
|     | 
|34.3 |  | Report of Independent Registered Public Accounting Firm (PricewaterhouseCoopers LLP with respect to the Subservicer)                                                                                                                                                                            
|     | 
|35.1 |  | Servicer Compliance Statement (SC)                                                                                                                                                                                                                                                              
|     | 
|35.2 |  | Servicer Compliance Statement (Subservicer)                                                                                                                                                                                                                                                     
|     | 
|99.1 |  | Servicing Agreement, dated as of July 15, 2016, by and between SC and the Subservicer (Incorporated by reference to Exhibit 99.1 to Form 8-K filed by Santander Drive (Commission File No. 333-139609) filed on March 1, 2017)                                                                  
|     | 
|99.2 |  | Amended and Restated Program Portfolio Schedule (SDART Publicly Registered Transactions), dated as of January 31, 2017, by and between SC and the Subservicer (Incorporated by reference to Exhibit 99.2 to Form 8-K filed by Santander Drive (Commission File No. 333-139609) on March 1, 2017)



|* | Incorporated by reference from Form 8-K filed by Santander Drive (Commission File No. 333-192513) and the Issuer (Commission File No. 333-192513-06) with the Securities and Exchange Commission on April 17, 2015.
|- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|** | Incorporated by reference from Form S-3 filed by Santander Drive (Commission File No. 333-192513) with the Securities and Exchange
Commission on November 22, 2013.
|-- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------

|*** | Incorporated by reference from Form 8-K filed by Santander Drive (Commission File No. 333-192513) and the Issuer (Commission File No. 333-192513-06) with the Securities and Exchange Commission on April 23, 2015.
|--- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|(c) | Not Applicable.
|--- | ---------------

Supplemental information to be Furnished With Reports Filed Pursuant to Section 15(d) of
the Act by Registrants Which Have Not Registered Securities Pursuant to Section 12 of the Act.

No annual report, proxy statement, form of proxy
or other proxy soliciting material has been sent to certificateholders, and the registrant does not presently contemplate sending any such materials subsequent to the filing of this report.



9



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SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to
be signed on its behalf by the undersigned, thereunto duly authorized.

Date: March 30, 2017



SANTANDER DRIVE AUTO RECEIVABLES LLC, as depositorBy:

/s/ Andrew KangName:

Andrew KangTitle:

President and Chief Executive Officer(senior officer in charge of securitization of
the depositor)




10



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EXHIBIT INDEX



|            |  |                                                                                                                                                                                                                                                                               
|----------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit No. |  | Description                                                                                                                                                                                                                                                                   
|            | 
|1.1*        |  | Underwriting Agreement, dated as of April 15, 2015, among Santander Drive Auto Receivables LLC (Santander Drive), Santander Consumer USA Inc. (SC) and RBC Capital Markets, LLC, as representative of the
several underwriters                                            
|            | 
|3.1**       |  | Amended and Restated Limited Liability Company Agreement of Santander Drive dated as of March 7, 2007                                                                                                                                                                         
|            | 
|3.2         |  | First Amendment to Amended and Restated Limited Liability Company Agreement, dated as of February 28, 2017, by SC, as sole equity member (Incorporated by reference to Exhibit 3.1 to Form
8-K filed by the Santander Drive (Commission File No. 333-139609) on March 1, 2017)
|            | 
|4.1***      |  | Indenture, dated as of April 22, 2015, between Santander Drive Auto Receivables Trust 2015-2, as issuer (the Issuer), and Wells Fargo Bank, National Association, as indenture
trustee (the Indenture Trustee)                                                            
|            | 
|10.1***     |  | Purchase Agreement, dated as of April 22, 2015, between SC and Santander Drive                                                                                                                                                                                                
|            | 
|10.2***     |  | Sale and Servicing Agreement, dated as of April 22, 2015, among the Issuer, Santander Drive, SC and the Indenture Trustee                                                                                                                                                     
|            | 
|10.3***     |  | Administration Agreement, dated as of April 22, 2015, among the Issuer, SC, as administrator, and the Indenture Trustee                                                                                                                                                       
|            | 
|10.4***     |  | Amended and Restated Trust Agreement, dated as of April 22, 2015, between Santander Drive and Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee for the Issuer                                                               
|            | 
|10.5        |  | First Amendment to Sale and Servicing Agreement, dated December 9, 2016 (Incorporated by reference from Form 10-D filed by the Issuer (Commission File No. 333-192513-06) with the Securities and Exchange Commission on December 15, 2016)                                   
|            | 
|31.1        |  | Certification (Santander Drive)                                                                                                                                                                                                                                               
|            | 
|33.1        |  | Managements Assessment of Compliance with SEC Regulation AB Servicing Criteria (SC)                                                                                                                                                                                          
|            | 
|33.2        |  | Assessment of Compliance with the Applicable Servicing Criteria (Indenture Trustee)                                                                                                                                                                                           
|            | 
|33.3        |  | Managements Assessment of Compliance with SEC Regulation AB Servicing Criteria (Subservicer)                                                                                                                                                                                 
|            | 
|34.1        |  | Report of Independent Registered Public Accounting Firm (PricewaterhouseCoopers LLP with respect to SC)                                                                                                                                                                       
|            | 
|34.2        |  | Report of Independent Registered Public Accounting Firm (KPMG LLP with respect to the Indenture Trustee)                                                                                                                                                                      



11



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|     |  |                                                                                                                                                                                                                                                                                                 
|---- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|     | 
|34.3 |  | Report of Independent Registered Public Accounting Firm (PricewaterhouseCoopers LLP with respect to the Subservicer)                                                                                                                                                                            
|     | 
|35.1 |  | Servicer Compliance Statement (SC)                                                                                                                                                                                                                                                              
|     | 
|35.2 |  | Servicer Compliance Statement (Subservicer)                                                                                                                                                                                                                                                     
|     | 
|99.1 |  | Servicing Agreement, dated as of July 15, 2016, by and between SC and the Subservicer (Incorporated by reference to Exhibit 99.1 to Form 8-K filed by Santander Drive (Commission File
No. 333-139609) filed on March 1, 2017)                                                                  
|     | 
|99.2 |  | Amended and Restated Program Portfolio Schedule (SDART Publicly Registered Transactions), dated as of January 31, 2017, by and between SC and the Subservicer (Incorporated by reference to Exhibit 99.2 to Form 8-K filed by Santander Drive (Commission File No. 333-139609) on March 1, 2017)



|* | Incorporated by reference from Form 8-K filed by Santander Drive (Commission File No. 333-192513) and the Issuer (Commission File No. 333-192513-06) with the Securities and Exchange Commission on April 17, 2015.
|- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|** | Incorporated by reference from Form S-3 filed by Santander Drive (Commission File No. 333-192513) with the Securities and Exchange
Commission on November 22, 2013.
|-- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------

|*** | Incorporated by reference from Form 8-K filed by Santander Drive (Commission File No. 333-192513) and the Issuer (Commission File No. 333-192513-06) with the Securities and Exchange Commission on April 23, 2015.
|--- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



12