# EDGAR Filing Document

**Accession Number:** 0001383094
**File Stem:** 0001193125-26-126324
**Filing Date:** 2026-3
**Character Count:** 59815
**Document Hash:** 2ad91c5b44f8519440abbc2c8cf75f4d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-126324.hdr.sgml**: 20260326

**ACCESSION NUMBER**: 0001193125-26-126324

**CONFORMED SUBMISSION TYPE**: 10-K

**PUBLIC DOCUMENT COUNT**: 16

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260326

**DATE AS OF CHANGE**: 20260326

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SANTANDER DRIVE AUTO RECEIVABLES LLC
- **CENTRAL INDEX KEY:** 0001383094
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 204382941
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-139609
- **FILM NUMBER:** 26799063

**BUSINESS ADDRESS:**
- **STREET 1:** 1601 ELM STREET
- **STREET 2:** SUITE 800
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75201
- **BUSINESS PHONE:** 214-634-1110

**MAIL ADDRESS:**
- **STREET 1:** 1601 ELM STREET
- **STREET 2:** SUITE 800
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75201

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** DRIVE AUTO RECEIVABLES LLC
- **DATE OF NAME CHANGE:** 20061208
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Drive Auto Receivables Trust 2024-2
- **CENTRAL INDEX KEY:** 0002036081
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 876995661
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-261901-19
- **FILM NUMBER:** 26799064

**BUSINESS ADDRESS:**
- **STREET 1:** 1601 ELM STREET
- **STREET 2:** SUITE 800
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75201
- **BUSINESS PHONE:** 214-634-1110

**MAIL ADDRESS:**
- **STREET 1:** 1601 ELM STREET
- **STREET 2:** SUITE 800
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75201

**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, 2025.** 

**or** 

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

**For the transition period from<u> </u> to .** 

## DRIVE AUTO RECEIVABLES TRUST 2024-2
**(Exact name of issuing entity as specified in its charter)** 

**Commission file number of the issuing entity: 333-261901-19** 

**Central Index Key Number of issuing entity: 0002036081** 

## SANTANDER DRIVE AUTO RECEIVABLES LLC
**(Exact name of depositor as specified in its charter)** 

**Commission file number of depositor: 333-261901** 

**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)** 

**87-6995661** 

**(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 every Interactive Data File required to be submitted 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 such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

---

| | | | |
|:---|:---|:---|:---|
| Large accelerated filer | ☐ | Accelerated filer | ☐ |
| Non-accelerated filer | ☒ | Smaller reporting company | ☐ |
|  |  | Emerging growth company | ☐ |

---

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☐

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐

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.

**Registrant has no voting or non-voting common equity outstanding held by non-affiliates.** 

**Documents Incorporated by Reference. See Exhibit Index.** 

------

**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 1C | Cybersecurity |
| Item 2 | Properties |
| Item 3 | Legal Proceedings |

---

---

| | |
|:---|:---|
| **Item 1B.** | **Unresolved Staff Comments**  |

---

Nothing to report.

**Item 4.** **Mine Safety Disclosures** <br>

Not applicable.

**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.** 

Wilmington Trust, National Association ("WTNA"), as the owner trustee, has provided the following information:

On February 3, 2026, certain investors served WTNA with a civil complaint, filed in the Supreme Court of the State of New York, County of New York, for an unspecified amount of damages arising from alleged breaches of contract and duties related to WTNA's roles as custodian and indenture trustee for certain Tricolor Holdings, LLC asset-backed securitization transactions. The plaintiffs generally assert causes of action related to WTNA's purported failure to comply with certain provisions related to waterfall payments, servicing transition costs and post-event of default duties and related to WTNA's purported failure to perform certain actions as custodian with respect to the related receivables. WTNA intends to vigorously defend itself against this legal action.

------

**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 | [Reserved] |
| 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**  |

---

None.

---

| | |
|:---|:---|
| **Item 9C.** | **Disclosure Regarding Foreign Jurisdictions that Prevent Inspections**  |

---

Not applicable.

------

**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 Accountant 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 Santander Consumer USA Inc., Santander Bank, N.A. and Citibank, N.A. (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.

None of the Reports on Assessment or the related Attestation Reports has identified any material instances of noncompliance with the servicing criteria described in the related Report on Assessment as being applicable to such Servicing Participant.

**Item 1123 of Regulation AB. Servicer Compliance Statements** 

Santander Consumer USA Inc. and Santander Bank, N.A. have each been identified by the issuing entity as the servicers with respect to the asset pool held by the issuing entity. Each of Santander Consumer USA Inc. and Santander Bank, N.A. have completed a statement of compliance with applicable servicing criteria (a "Compliance Statement") signed by an authorized officer of such party. The Compliance Statements are attached as exhibits to this Form 10-K.

------

**PART IV** 

**Item 15.** **Exhibit and Financial Statement Schedules** <br>

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| | |
|:---|:---|
| (a)(1) | Not Applicable. |
| (a)(2) | Not Applicable. |
| (a)(3) | See Item 15(b) below. |
| (b) | Exhibits |

---

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

---

| | |
|:---|:---|
| Exhibit No. | Description |
| 3.1 | [Certificate of Formation of Santander Drive (incorporated by reference to Exhibit 3.1 of Form SF-3 filed by Santander Drive (Commission File No. 333-284121) with the Securities and Exchange Commission on January 3, 2025)](http://www.sec.gov/Archives/edgar/data/1383094/000119312525001383/d867918dex31.htm) |
| 3.2 | [Amended and Restated Limited Liability Company Agreement of Santander Drive dated as of March 7, 2007 (incorporated by reference to Exhibit 3.1 of Form SF-3 filed by Santander Drive (Commission File No. 333-261901) with the Securities and Exchange Commission on December 27, 2021)](http://www.sec.gov/Archives/edgar/data/1383094/000119312521367061/d250864dex31.htm) |
| 3.3 | [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 3.2 of Form SF-3 filed by Santander Drive (Commission File No. 333-261901) with the Securities and Exchange Commission on December 27, 2021)](http://www.sec.gov/Archives/edgar/data/1383094/000119312521367061/d250864dex32.htm) |
| 4.1 | [Indenture, dated as of September 25, 2024, between Drive Auto Receivables Trust 2024-2, as issuer (the "Issuer"), and Citibank, N.A., as indenture trustee (the "Indenture Trustee") (incorporated by reference to Exhibit 4.1 of Form 8-K filed by the Issuer (Commission File No. 333-261901-19) with the Securities and Exchange Commission on September 25, 2024)](http://www.sec.gov/Archives/edgar/data/2036081/000119312524226019/d862180dex41.htm) |
| 10.1 | [Purchase Agreement, dated as of September 25, 2024, between SC and Santander Drive (incorporated by reference to Exhibit 10.1 of Form 8-K filed by the Issuer (Commission File No. 333-261901-19) with the Securities and Exchange Commission on September 25, 2024)](http://www.sec.gov/Archives/edgar/data/2036081/000119312524226019/d862180dex101.htm) |
| 10.2 | [Sale and Servicing Agreement, dated as of September 25, 2024, among the Issuer, Santander Drive, Santander Bank, N.A. ("SBNA"), as servicer (as successor to SC) and the Indenture Trustee (incorporated by reference to Exhibit 10.2 of Form 8-K filed by the Issuer (Commission File No. 333-261901-19) with the Securities and Exchange Commission on September 25, 2024)](http://www.sec.gov/Archives/edgar/data/2036081/000119312524226019/d862180dex102.htm) |
| 10.3 | [Administration Agreement, dated as of September 25, 2024, among the Issuer, SC, as administrator, and the Indenture Trustee (incorporated by reference to Exhibit 10.3 of Form 8-K filed by the Issuer (Commission File No. 333-261901-19) with the Securities and Exchange Commission on September 25, 2024)](http://www.sec.gov/Archives/edgar/data/2036081/000119312524226019/d862180dex103.htm) |
| 10.4 | [Amended and Restated Trust Agreement, dated as of September 25, 2024, between Santander Drive and Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee for the Issuer (the "Owner Trustee") (incorporated by reference to Exhibit 10.4 of Form 8-K filed by the Issuer (Commission File No. 333-261901-19) with the Securities and Exchange Commission on September 25, 2024)](http://www.sec.gov/Archives/edgar/data/2036081/000119312524226019/d862180dex104.htm) |

---

------

---

| | |
|:---|:---|
| 10.5 | [Asset Representations Review Agreement, dated as of September 25, 2024, among the Issuer, SC, as sponsor, SBNA, as servicer (as successor to SC), and Clayton Fixed Income Services, LLC, as asset representations reviewer (incorporated by reference to Exhibit 10.5 of Form 8-K filed by the Issuer (Commission File No. 333-261901-19) with the Securities and Exchange Commission on September 25, 2024)](http://www.sec.gov/Archives/edgar/data/2036081/000119312524226019/d862180dex105.htm) |
| 31.1 | [Certification (Santander Drive)](d126863dex311.htm) |
| 33.1 | [Management's Assessment of Compliance with SEC Regulation AB Servicing Criteria (SC and SBNA)](d126863dex331.htm) |
| 33.2 | [Assessment of Compliance with the Applicable Servicing Criteria (Citibank, N.A.)](d126863dex332.htm) |
| 34.1 | [Report of Independent Registered Public Accounting Firm (PricewaterhouseCoopers LLP with respect to SC and SBNA)](d126863dex341.htm) |
| 34.2 | [Report of Independent Registered Public Accounting Firm (KPMG LLP with respect to Citibank, N.A.)](d126863dex342.htm) |
| 35.1 | [Servicer Compliance Statement (SC)](d126863dex351.htm) |
| 35.2 | [Servicer Compliance Statement (SBNA)](d126863dex352.htm) |
| 99.1 | [Omnibus Amendment to Sale and Servicing Agreement, Second Amended and Restated Trust Agreement and Indenture, dated as of March 27, 2025, between the Issuer, Santander Drive, SC, the Owner Trustee and the Indenture Trustee (incorporated by reference to Exhibit 99.1 on Form 8-K filed by the Issuer (Commission File No. 333-261901-19) with the Securities and Exchange Commission on April 1, 2025)](http://www.sec.gov/Archives/edgar/data/2036081/000119312525070415/d913401dex991.htm) |

---

(c) Not Applicable.

**Item 16.** **Form 10-K Summary** <br>

None.

**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.

------

**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 26, 2026

---

| | |
|:---|:---|
| SANTANDER DRIVE AUTO RECEIVABLES LLC, as depositor | SANTANDER DRIVE AUTO RECEIVABLES LLC, as depositor |
| By: | /s/ Corey Henry |
| Name: | Corey Henry |
| Title: | President and Chief Executive Officer |
|  | (senior officer in charge of securitization of the depositor) |

---

## Exhibit 31.1

**Exhibit 31.1** 

**CERTIFICATION** 

I, Corey Henry, certify that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. I have reviewed this report on Form 10-K and all reports on Form 10-D required to be filed in respect of the period covered by this report on Form 10-K of Drive Auto Receivables Trust 2024-2 (the "Exchange Act periodic reports");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Based on my knowledge, the Exchange Act periodic reports, taken as a whole, do not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Based on my knowledge, all of the distribution, servicing and other information required to be provided under Form 10-D for the period covered by this report is included in the Exchange Act periodic reports;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Based on my knowledge and the servicer compliance statement required in this report under Item 1123 of Regulation AB, and except as disclosed in the Exchange Act periodic reports, the servicer has fulfilled its obligations under the servicing agreement in all material respects; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. All of the reports on assessment of compliance with servicing criteria for asset-backed securities and their related attestation reports on assessment of compliance with servicing criteria for asset-backed securities required to be included in this report in accordance with Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been included as an exhibit to this report, except as otherwise disclosed in this report. Any material instances of noncompliance described in such reports have been disclosed in this report on Form 10-K.

In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties: Citibank, N.A.

---

| | |
|:---|:---|
| By: | /s/ Corey Henry |
| Name: | Corey Henry |
| Title: | President and Chief Executive Officer |
|  | Santander Drive Auto Receivables LLC, as Depositor |
|  | (senior officer in charge of securitization of the depositor) |
| Date: | March 26, 2026 |

---

## Exhibit 33.1

**Exhibit 33.1**![LOGO](g79474g0325125846589.jpg)

**Management's Assessment of Compliance with SEC Regulation AB Servicing Criteria** 

1. Management of Santander Consumer USA Inc. ("SC") and Santander Bank, N.A. ("SBNA"), in
their respective role as servicer, the "Servicer", "Named Servicer" or "subservicer", as applicable, is responsible for assessing compliance with the applicable servicing criteria applicable to it under paragraph
(d) of Item 1122 of Regulation AB (See Appendix B) as of and for the year ended December 31, 2025 (in such capacity, the "Asserting Parties").

Effective April 1, 2025, SBNA assumed the obligations of the servicer and became the successor servicer under the Sale and Servicing Agreements or Servicing Agreements for the transactions listed in Part I of Appendix A that were previously serviced by SC. For transactions listed in Part II of Appendix A, SC remained the Named Servicer for the year ended December 31, 2025 and SBNA became the subservicer on April 1, 2025. Accordingly, this assessment covers (i) with respect to SC, (A) SC in its capacity as servicer with respect to the transactions listed in Part I of Appendix A, the period from January 1, 2025 through March 31, 2025 and (B) SC in its capacity as servicer with respect to the transactions listed in Part II of Appendix A, the period from January 1, 2025 through December 31, 2025, and (ii) with respect to SBNA, (A) SBNA in its capacity as servicer with respect to the transactions listed in Part I of Appendix A, the period from April 1, 2025 through December 31, 2025 and (B) SBNA in its capacity as subservicer with respect to the transactions listed in Part II of Appendix A, the period from April 1, 2025 through December 31, 2025.

The transactions covered by this report are all publicly registered transactions backed by auto loans for which the Asserting Parties acted as servicer or subservicer, as applicable, during the applicable portion of the reporting period (the "Platform"). See Appendix A.

2. The Asserting Parties have assessed their respective compliance with the applicable servicing criteria as of
December 31, 2025 and for the period during which the Asserting Parties were the Named Servicer or subservicer, as applicable. In making this assessment, management used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB
(see Appendix B), except for the following criteria which the Asserting Parties determined are not applicable to the activities performed by the Asserting Parties or through their respective vendors with respect to the Platform: 1122(d)(1)(iv),
1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), and 1122(d)(4)(xiii).

3. There were no external enhancements as of and for the year ended December 31, 2025, with respect to the
Platform taken as a whole.

4. With respect to servicing criterion, Item 1122(d)(1)(iii), some of the transactions included in the Platform
require the Asserting Parties to utilize a backup servicer when certain events, which are specified within the transaction agreements, occur. As of and for the year ended December 31, 2025, the events that would require a backup servicer as
listed in the transaction documents did not occur, and therefore the requirement for a backup servicer does not apply.

5. The Asserting Parties have engaged vendors that are not servicers as defined in Item 1101(j) of Regulation AB
to perform limited or scripted activities with respect to the servicing criteria applicable to each vendor's activities as set forth in Appendix B of this report. The Asserting Parties elected to take responsibility for assessing compliance
with the portion of the servicing criteria applicable to each such vendor with respect to the time period when the Asserting Parties were the Named Servicer. The Asserting Parties have policies and procedures in place to provide reasonable assurance
that the vendors' activities comply in all material respects with the portion of the servicing criteria applicable to each vendor. The Asserting Parties' management is solely responsible for determining that they meet the requirements to
apply Interpretation 200.06 of the SEC Compliance and Disclosure Interpretations for the period when the Asserting Parties were the Named Servicer or subservicer, as applicable.

6. The Asserting Parties have complied, in all material respects, with the applicable servicing criteria for which
the Asserting Parties were responsible, as of and for the year ended December 31, 2025, with respect to the transactions for which the Asserting Parties were the Named Servicer or subservicer, as applicable.

7. The Asserting Parties have not identified and are not aware of any material instance of noncompliance by the
vendors with regard to the applicable servicing criteria, as of and for the year ended December 31, 2025, with respect to the Platform taken as a whole.

8. The Asserting Parties have not identified any material deficiencies in their respective policies and procedures
to monitor the compliance by the vendors with the applicable servicing criteria, as of and for the year ended December 31, 2025, with respect to the Platform taken as a whole.

9. PricewaterhouseCoopers LLP, an independent registered public accounting firm, has issued an attestation report
on the Asserting Parties' compliance with the applicable servicing criteria as of and for the year ended December 31, 2025.

------

March 25, 2026

**Solely on behalf of Santander Consumer USA Inc.:** 

---

| | |
|:---|:---|
| By: | /s/ Randy Bockenstedt |
| Name: Randy Bockenstedt | Name: Randy Bockenstedt |
| Title: Head of Customer Contact Operations<br> Santander Consumer USA Inc. | Title: Head of Customer Contact Operations<br> Santander Consumer USA Inc. |
| By: | /s/ Jonathan Watson |
| Name: Jonathan Watson | Name: Jonathan Watson |
| Title: Executive Vice President, Treasurer<br> Santander Consumer USA Inc. | Title: Executive Vice President, Treasurer<br> Santander Consumer USA Inc. |
| By: | /s/ Corey Henry |
| Name: Corey Henry | Name: Corey Henry |
| Title: Senior Vice President, Capital Markets<br> Santander Consumer USA Inc. | Title: Senior Vice President, Capital Markets<br> Santander Consumer USA Inc. |

---

**Solely on behalf of Santander Bank, N.A.:** 

---

| | |
|:---|:---|
| By: | /s/ Craig Shmoldas |
| Name: Craig Shmoldas | Name: Craig Shmoldas |
| Title: Senior Vice President<br> Santander Bank, N.A. | Title: Senior Vice President<br> Santander Bank, N.A. |
| By: | /s/ Jonathan Watson |
| Name: Jonathan Watson | Name: Jonathan Watson |
| Title: Executive Vice President, Treasurer<br> Santander Bank, N.A. | Title: Executive Vice President, Treasurer<br> Santander Bank, N.A. |
| By: | /s/ Corey Henry |
| Name: Corey Henry | Name: Corey Henry |
| Title: Senior Vice President<br> Santander Bank, N.A. | Title: Senior Vice President<br> Santander Bank, N.A. |

---

------

**Appendix A** 

The Transactions in the Platform include the transactions listed in Part I and Part II below.

**Part I:** 

Drive Auto Receivables Trust 2021-1

Drive Auto Receivables Trust 2021-2

Drive Auto Receivables Trust 2021-3

Drive Auto Receivables Trust 2024-1

Drive Auto Receivables Trust 2024-2

Drive Auto Receivables Trust 2025-1

Drive Auto Receivables Trust 2025-2

Santander Drive Auto Receivables Trust 2021-2

Santander Drive Auto Receivables Trust 2022-1

Santander Drive Auto Receivables Trust 2022-2

Santander Drive Auto Receivables Trust 2022-3

Santander Drive Auto Receivables Trust 2022-4

Santander Drive Auto Receivables Trust 2022-5

Santander Drive Auto Receivables Trust 2022-6

Santander Drive Auto Receivables Trust 2022-7

Santander Drive Auto Receivables Trust 2023-1

Santander Drive Auto Receivables Trust 2023-2

Santander Drive Auto Receivables Trust 2023-3

Santander Drive Auto Receivables Trust 2023-4

Santander Drive Auto Receivables Trust 2023-5

Santander Drive Auto Receivables Trust 2023-6

Santander Drive Auto Receivables Trust 2024-1

Santander Drive Auto Receivables Trust 2024-2

Santander Drive Auto Receivables Trust 2024-3

Santander Drive Auto Receivables Trust 2024-4

Santander Drive Auto Receivables Trust 2024-5

Santander Drive Auto Receivables Trust 2025-1

Santander Drive Auto Receivables Trust 2025-2

Santander Drive Auto Receivables Trust 2025-3

Santander Drive Auto Receivables Trust 2025-4

**Part II:** 

Santander Drive Auto Receivables Trust 2020-4

Santander Drive Auto Receivables Trust 2021-1

Santander Drive Auto Receivables Trust 2021-3

Santander Drive Auto Receivables Trust 2021-4

Appendix A-1

------

**APPENDIX B** 

**SERVICING CRITERIA TO BE ADDRESSED IN THE ASSERTING PARTIES' ASSESSMENT OF COMPLIANCE** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;*Servicing Criteria* | &nbsp;&nbsp;&nbsp;*Servicing Criteria* | *Applicable Servicing Criteria* | *Applicable Servicing Criteria* | *Inapplicable<br>Servicing<br>Criteria* |
| &nbsp;&nbsp;&nbsp;**Reference** | **Criteria** | *Performed<br>Directly by the<br>Named Servicer<br>or Subservicer<sup>1</sup>* | *Performed by a Vendor for<br>which the Named Servicer<br>or Subservicer<sup>1</sup> is the<br>Responsible Party* |  |
|  | **General Servicing Considerations** |  |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(1)(i) | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. | X<sup>2</sup> |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(1)(ii) | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. | X |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(1)(iii) | Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained. | X<sup>3</sup> |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(1)(iv) | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. |  |  | X<sup>4</sup> |
| &nbsp;&nbsp;&nbsp;1122(d)(1)(v) | Aggregation of information, is mathematically accurate and the information conveyed accurately reflects the information. | X |  |  |
|  | **Cash Collection and Administration** |  |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(2)(i) | Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. | X | X |  |
| &nbsp;&nbsp;&nbsp;1122(d)(2)(ii) | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. | X |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(2)(iii) | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. |  |  | X |
| &nbsp;&nbsp;&nbsp;1122(d)(2)(iv) | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. | X |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(2)(v) | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. | X |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(2)(vi) | Unissued checks are safeguarded so as to prevent unauthorized access. |  |  | X |
| &nbsp;&nbsp;&nbsp;1122(d)(2)(vii) | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. | X |  |  |

---

Appendix B-1

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;*Servicing Criteria* | &nbsp;&nbsp;&nbsp;*Servicing Criteria* | *Applicable Servicing Criteria* | *Applicable Servicing Criteria* | *Inapplicable<br>Servicing<br>Criteria* |
| &nbsp;&nbsp;&nbsp;**Reference** | **Criteria** | *Performed<br>Directly by the<br>Named Servicer<br>or Subservicer<sup>1</sup>* | *Performed by a Vendor for<br>which the Named Servicer<br>or Subservicer<sup>1</sup> is the<br>Responsible Party* |  |
|  | **Investor Remittances and Reporting** |  |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(3)(i) | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced by the Servicer. | X |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(3)(ii) | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. | X<sup>5</sup> |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(3)(iii) | Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days specified in the transaction agreements. | X<sup>5</sup> |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(3)(iv) | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. | X<sup>5</sup> |  |  |
|  | **Pool Asset Administration** |  |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(i) | Collateral or security on pool assets is maintained as required by the transaction agreements or related asset pool documents. | X | X |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(ii) | Pool assets and related documents are safeguarded as required by the transaction agreements | X | X |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(iii) | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. | X |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(iv) | Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related asset pool documents. | X | X |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(v) | The Servicer's records regarding the accounts and the accounts agree with the Servicer's records with respect to an obligor's unpaid principal balance. | X |  |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(vi) | Changes with respect to the terms or status of an obligor's account (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. | X | X |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(vii) | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. | X | X |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(viii) | Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). | X | X |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(ix) | Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents. |  | X |  |

---

Appendix B-2

------

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;*Servicing Criteria* | &nbsp;&nbsp;&nbsp;*Servicing Criteria* | *Applicable Servicing Criteria* | *Inapplicable<br>Servicing<br>Criteria* |
| &nbsp;&nbsp;&nbsp;**Reference** | **Criteria** | *Performed<br>Directly by the<br>Named Servicer<br>or Subservicer<sup>1</sup>* *Performed by a Vendor for<br>which the Named Servicer<br>or Subservicer<sup>1</sup> is the<br>Responsible Party* |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(x) | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's Account documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable Account documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related Accounts, or such other number of days specified in the transaction agreements. |  | X |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(xi) | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. |  | X |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(xii) | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or omission. |  | X |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(xiii) | Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the transaction agreements. |  | X |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(xiv) | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. | X |  |
| &nbsp;&nbsp;&nbsp;1122(d)(4)(xv) | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. | X<sup>6</sup> |  |

---

![LOGO](g79474g0325125846836.jpg)

<sup>1</sup> SC is the named servicer for transactions listed in Part I of Appendix A from January 1, 2025 through March 31, 2025 and for transactions listed in Part II of Appendix A from January 1, 2025 through December 31, 2025. SBNA is the named servicer for transactions listed in Part I of Appendix A from April 1, 2025 through December 31, 2025 and subservicer for transactions listed in Part II of Appendix A from April 1, 2025 through December 31, 2025. 

<sup>2</sup> SC continues to be responsible for certain events of default, as listed in the Sale and Servicing Agreements, for the period April 1, 2025 through December 31, 2025 for the transactions listed in Part II of Appendix A. SBNA is responsible for certain events of default, as listed in the Sale and Servicing Agreements or Servicing Agreements, for the period April 1, 2025 through December 31, 2025 for all transactions listed in Part I and Part II of Appendix A. 

<sup>3</sup> Some of the transactions in the Platform require the applicable Asserting Parties to utilize a backup servicer when certain events, which are specified in the transaction agreements, occur.

<sup>4</sup> None of the transactions included in the Platform require the Servicers to maintain a fidelity bond and errors and omissions policy.

<sup>5</sup> Solely as it relates to allocation and/or remittance to the relevant indenture trustee.

<sup>6</sup> There were no external enhancements or other support as of and for the year ended December 31, 2025.

Appendix B-3

## Exhibit 33.2

**Exhibit 33.2** 

**MANAGEMENT'S ASSERTION OF COMPLIANCE** 

Management of the Agency and Trust division of Citibank, N.A. (or "<u>Company</u>") is responsible for assessing compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB promulgated by the Securities and Exchange Commission.

Management has determined that the servicing criteria in Item 1122(d) of Regulation AB are applicable in regard to the servicing platform as of and for the period as follows:

<u>Platform</u>: Publicly-issued (*i.e.*, transaction-level reporting initially required under the Securities Exchange Act of 1934, as amended) and certain privately issued (i.e., for which transaction-level reporting is required pursuant to contractual obligation) automobile loan or lease-backed securities, equipment loan-backed securities and student loan-backed securities issued on or after January 1, 2006, as listed in Appendix A for which the Company provides trustee and paying agent services (the "Platform").

<u>Applicable Servicing Criteria</u>: All servicing criteria set forth in Item 1122(d), to the extent required by Item 1122(d) servicing criteria in regards to the activities performed by the Company with respect to the Platform, except for the following servicing criteria: 1122(d)(1)(i)-1122(d)(1)(v), 1122(d)(2)(iii), 1122(d)(2)(vi)-1122(d)(2)(vii), 1122(d)(3)(i) and 1122(d)(4)(i)-1122(d)(4)(xv), which management has determined are not applicable to the activities the Company performs with respect to the Platform (the "Applicable Servicing Criteria"). With respect to the Platform, Applicable Servicing Criterion 1122(d)(3)(ii) is applicable only as it relates to remittances.

<u>Period</u>: Twelve months ended December 31, 2025 (the "Period").

With respect to the Platform as of and for the Period, the Company's management provides the following assertion of compliance with respect to the Applicable Servicing Criteria:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Company's management is responsible for assessing the Company's compliance with the Applicable
Servicing Criteria.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Company's management has assessed compliance with the Applicable Servicing Criteria. In making this
assessment, management used the criteria set forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation AB.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Based on such assessment, the Company has complied, in all material respects, with the Applicable Servicing
Criteria.

KPMG LLP, an independent registered public accounting firm, has issued an attestation report with respect to management's assertion of compliance with the Applicable Servicing Criteria as of and for the Period.

---

| | |
|:---|:---|
| **CITIBANK, N.A.** | **CITIBANK, N.A.** |
| By: | /S/ James Maitland |
| Its: | Managing Director |

---

Dated: February 27, 2026

------

Appendix A

<u>Asset backed Transactions and Securities Constituting the Platform</u> 

---

| |
|:---|
| **DEAL NAME** |
| SDART 2024-3 |
| HART 2022-B |
| EART 2022-6 Auto Receivable |
| HDMOT 2021-A |
| EART 2022-5 |
| EART 2021-3 |
| SDART 2023-5 |
| VALET 2023-2 |
| EART 2021-1 |
| GMCAR 2023-3 |
| EART 2024-2 AUTO RECEIVABLE |
| EART 2022-3 |
| AMCAR 2021-2 |
| HART 2024-C |
| HART 2022-A |
| EART 2023-2 Auto Receivable |
| GMCAR 2023-1 |
| SDART 2022-6 |
| VALT 2024-A |
| HART 2021-C |
| TAOT 2023-D |
| SDART 2021-4 |
| GMCAR 2024-3 |
| EART 2021-4 |
| EXETER AUTO RECEIVABLE 2023-1 |
| HART 2020-C |
| GMCAR 2024-1 |
| SDART 2023-3 |
| GMCAR 2022-1 |
| VALT2023A |
| HART 2021-A |
| EXETER AUTO RECEIVABLE 2023-5 |
| SDART 2024-1 |
| HDMOT 2022-A |
| HART 2023-B |
| HDMOT 2024B |
| EART 2022-4 |
| HDMOT 2023-B |
| TAOT 2024-C |
| HDMOT 2023-A |
| EART 2024-1 Auto Receivable |
| EART 2024-3 AUTO RECEIVABLE |
| HART 2024-A |
| SDART 2021-3 |
| HDMOT 2024A |
| SDART 2022-5 |

---

------

---

| |
|:---|
|  EART 2024-5 AUTO RECEIVABLE |
|  SDART 2022-3 |
|  EXETER AUTO RECEIVABLE 2023-3 |
|  AMCAR 2022-2 |
|  AMCAR 2023-1 |
|  HART 2023-C |
|  EART 2023-4 Auto Receivable |
|  HART 2021-B |
|  SDART 2024-5 |
|  SDART 2022-1 |
|  SDART 2022-4 |
|  HART 2023-A |
|  EART 2022-1 |
|  HART 2024-B |
|  HART 2022-C |
|  Drive 2024-2 |
|  HDMOT 2021-B |
|  TAOT 2024-D |
|  AMCAR 2021-1 |
|  SDART 2023-1 |
|  SDART 2021-2 |
|  GMCAR 2022-3 |
|  SDART 2022-2 |
|  EART 2022-2 |
|  SDRT2207 |
|  EART 2024-4 AUTO RECEIVABLE |
|  EART 2025-1 AUTO RECEIVABLE |
|  ESART 2025-3 AUTO RECEIVABLE |
|  HART 2025-D |
|  TAOT 2025-C |
|  ESART 2025-2 AUTO RECEIVABLE |
|  GMCAR 2025-3 |
|  ESART 2025-1 Auto Receivable |
|  HART 2025-B |
|  SDART 2025-2 |
|  EART 2025-4 AUTO RECEIVABLE |
|  SDART 2025-3 |
|  EART 2025-3 AUTO RECEIVABLE |
|  VALT 2025-B |
|  TAOT 2025-D |
|  EART 2025-5 AUTO RECEIVABLE |
|  VALET 2025-1 |
|  HART 2025-A |
|  HART 2025-C |
| HDMOT 2025A |
| EART 2025-2 AUTO RECEIVABLE |
| VALT 2025-A |
| DART 2025-2 |
| GMCAR 2025-1 |

---

## Exhibit 34.1

**Exhibit 34.1**![LOGO](g79474g23t93.jpg)

**Report of Independent Registered Public Accounting Firm** 

To the Management of Santander Consumer USA Inc. and Santander Bank, N.A.

We have examined management's assertion, included in the accompanying Management's Assessment of Compliance with SEC Regulation AB Servicing Criteria, that Santander Consumer USA Inc. and Santander Bank, N.A. (the "Asserting Parties") complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for all publicly registered transactions backed by auto loans for which the Asserting Parties acted as the servicer or subservicer (the "Platform"), as of December 31, 2025 and for the year then ended, excluding criteria 1122(d)(1)(iv), 1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), and 1122(d)(4)(xiii), which the Asserting Parties have determined are not applicable to the servicing activities performed by it with respect to the Platform. As described in management's assertion, for servicing criteria 1122(d)(2)(i), 1122(d)(4)(i), 1122(d)(4)(ii), 1122(d)(4)(iv), 1122(d)(4)(vi), 1122(d)(4)(vii) and 1122(d)(4)(viii), the Asserting Parties have engaged various vendors to perform the activities required by these servicing criteria. The Asserting Parties have determined that these vendors are not considered "servicers" as defined in Item 1101(j) of Regulation AB, and the Asserting Parties have elected to take responsibility for assessing compliance with the servicing criteria applicable to each vendor as permitted by Compliance and Disclosure Interpretation 200.06 of the SEC Division of Corporation Finance's interpretations of the rules adopted under Regulation AB and the Securities Act and the Exchange Act ("Interpretation 200.06"). As permitted by Interpretation 200.06, the Asserting Parties have asserted that it has policies and procedures in place designed to provide reasonable assurance that the vendors' activities comply in all material respects with the servicing criteria applicable to each vendor. The Asserting Parties are solely responsible for determining that they meet the SEC requirements to apply Interpretation 200.06 for the vendors and related criteria as described in its assertion, and we performed no procedures with respect to the Asserting Parties' determination of its eligibility to use Interpretation 200.06. Appendix A to management's assertion identifies the individual asset-backed transactions and securities defined by management as constituting the Platform. The Asserting Parties' management is responsible for its assertion and for the Asserting Parties' compliance with the applicable servicing criteria. Our responsibility is to express an opinion on management's assertion about the Asserting Parties' compliance with the applicable servicing criteria based on our examination.

Our examination was conducted in accordance with the attestation standards of the Public Company Accounting Oversight Board (United States) and in accordance with attestation standards established by the American Institute of Certified Public Accountants. Those standards require that we plan and perform the examination to obtain reasonable assurance about whether management's assertion about compliance with the applicable servicing criteria is fairly stated, in all material respects, and, accordingly, included examining, on a test basis, evidence about the Asserting Parties' compliance with the applicable servicing criteria and performing such other procedures as we considered necessary in the circumstances. Our examination included testing of selected asset-backed transactions and securities that comprise the Platform, testing of selected servicing activities related to the Platform, and determining whether the Asserting Parties processed those selected transactions and performed those selected activities in compliance with the applicable servicing criteria. Our procedures were limited to the selected transactions and servicing activities performed by the Asserting Parties during the period covered by this report. Our procedures were not designed to detect noncompliance arising from errors that may have occurred prior to or subsequent to our tests that may have affected the balances or amounts calculated or reported by the Asserting Parties during the period covered by this report. We believe that our examination provides, and that the evidence we obtained is sufficient and appropriate to provide, a reasonable basis for our opinion. Our examination does not provide a legal determination on the Asserting Parties' compliance with the servicing criteria.

PricewaterhouseCoopers LLP, 101 Seaport Boulevard, Boston, MA 02210

T: (617) 530 5000, www.pwc.com/us

------

![LOGO](g79474g23t93.jpg)

We are required to be independent and to meet our other ethical responsibilities in accordance with relevant ethical requirements related to the engagement.

In our opinion, management's assertion that the Asserting Parties complied with the aforementioned applicable servicing criteria as of and for the year ended December 31, 2025 for all publicly registered transactions backed by auto loans for which the Asserting Parties acted as the servicer or subservicer is fairly stated, in all material respects.

![LOGO](g79474g62r59.jpg)

Boston, MA

March 25, 2026

## Exhibit 34.2

**Exhibit 34.2** 

---

| | |
|:---|:---|
| ![LOGO](g126863g01c32.jpg) |  |
|  | ![LOGO](g126863g16w99.jpg) |

---

**Report of Independent Registered Public Accounting Firm** 

The Board of Directors

Citibank, N.A.:

We have examined management's assertion, included in the accompanying Management's Assertion of Compliance, that the Agency and Trust division of Citibank, N.A. (the "Company") complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for publicly-issued (i.e., transaction-level reporting initially required under the Securities Exchange Act of 1934, as amended) and certain privately-issued (i.e., for which transaction-level reporting is required pursuant to contractual obligation) automobile loan or lease-backed securities, equipment loan-backed securities and student loan-backed securities issued on or after January 1, 2006, as listed in Appendix A of the accompanying Management's Assertion of Compliance, for which the Company provides trustee and paying agent services (the "Platform"), except for servicing criteria 1122(d)(1)(i)-1122(d)(1)(v), 1122(d)(2)(iii), 1122(d)(2)(vi)-1122(d)(2)(vii), 1122(d)(3)(i) and 1122(d)(4)(i)-1122(d)(4)(xv), which the Company has determined are not applicable to the activities it performs with respect to the Platform (the "Applicable Servicing Criteria"), as of and for the twelve months ended December 31, 2025. With respect to the Platform, servicing criterion 1122(d)(3)(ii) is applicable only as it relates to remittances. Management is responsible for the Company's compliance with the Applicable Servicing Criteria for the Platform. Our responsibility is to express an opinion on Management's Assertion about the Company's compliance with the Applicable Servicing Criteria for the Platform based on our examination.

Our examination was conducted in accordance with the standards of the Public Company Accounting Oversight Board (United States) and in accordance with attestation standards established by the American Institute of Certified Public Accountants to obtain reasonable assurance and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the Applicable Servicing Criteria for the Platform and performing such other procedures as we considered necessary in the circumstances. Our examination included testing selected asset-backed transactions and securities that comprise the Platform, testing selected servicing activities related to the Platform, and determining whether the Company processed those selected transactions and performed those selected activities in compliance with the Applicable Servicing Criteria. Furthermore, our procedures were limited to the selected transactions and servicing activities performed by the Company during the period covered by this report. Our procedures were not designed to determine whether errors may have occurred either prior to or subsequent to our tests that may have affected the balances or amounts calculated or reported by the Company during the period covered by this report for the selected transactions or any other transactions. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the Applicable Servicing Criteria for the Platform.

We are required to be independent and to meet our other ethical responsibilities in accordance with relevant ethical requirements relating to the examination engagement.

In our opinion, Management's Assertion that the Company complied with the aforementioned Applicable Servicing Criteria for the Platform as of and for the twelve months ended December 31, 2025 is fairly stated, in all material respects.

![LOGO](g126863g49f02.jpg)

------

![LOGO](g126863g09z02.jpg)

Our opinion on Management's Assertion does not extend to any other information that accompanies or contains our report.

/s/ KPMG LLP

Chicago, Illinois

February 27, 2026

## Exhibit 35.1

**Exhibit 35.1** 

**SERVICER COMPLIANCE STATEMENT** 

In connection with the Annual Report on Form 10-K of Drive Auto Receivables Trust 2024-2 for the period beginning January 1, 2025 and ending March 31, 2025, (the "Report"), the undersigned, a duly authorized officer of Santander Consumer USA Inc. (the "Servicer" or "Santander Consumer"), does hereby certify and represent that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the activities and performance of the Servicer under the Sale and Servicing Agreement, dated as of
September 25, 2024, among Santander Drive Auto Receivables LLC, Santander Bank, N.A. (as successor to Santander Consumer), Drive Auto Receivables Trust 2024-2 and Citibank, N.A. (the
"Agreement") during the period that is the subject of the Report has been made under my supervision.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. To the best of my knowledge, based on such review, the Servicer has fulfilled all of its obligations under the
Agreement in all material respects throughout the period that is the subject of the Report.

---

| | |
|:---|:---|
| By: | /s/ Randy Bockenstedt |
| Name: | Randy Bockenstedt |
| Title: | Head of Customer Contact Operations |
| Date: | March 26, 2026 |
| By: | /s/ Jonathan Watson |
| Name: | Jonathan Watson |
| Title: | Executive Vice President, Treasurer |
| Date: | March 26, 2026 |
| By: | /s/ Corey Henry |
| Name: | Corey Henry |
| Title: | Senior Vice President, Capital Markets |
| Date: | March 26, 2026 |

---

## Exhibit 35.2

**Exhibit 35.2** 

**SERVICER COMPLIANCE STATEMENT** 

In connection with the Annual Report on Form 10-K of Drive Auto Receivables Trust 2024-2 for the period beginning April 1, 2025 and ending December 31, 2025, (the "Report"), the undersigned, a duly authorized officer of Santander Bank, N.A. (the "Servicer"), does hereby certify and represent that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the activities and performance of the Servicer under the Sale and Servicing Agreement, dated as of
September 25, 2024, among Santander Drive Auto Receivables LLC, the Servicer (as successor to Santander Consumer USA Inc.), Drive Auto Receivables Trust 2024-2 and Citibank, N.A. (the
"Agreement") during the period that is the subject of the Report has been made under my supervision.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. To the best of my knowledge, based on such review, the Servicer has fulfilled all of its obligations under the
Agreement in all material respects throughout the period that is the subject of the Report.

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| | |
|:---|:---|
| By: | /s/ Craig Shmoldas |
| Name: | Craig Shmoldas |
| Title: | Senior Vice President |
| Date: | March 26, 2026 |
| By: | /s/ Jonathan Watson |
| Name: | Jonathan Watson |
| Title: | Treasurer and Executive Vice President |
| Date: | March 26, 2026 |
| By: | /s/ Corey Henry |
| Name: | Corey Henry |
| Title: | Senior Vice President |
| Date: | March 26, 2026 |

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