Exhibit 33.2

Wells Fargo Bank, National

Association

600 South 4^th Street

Minneapolis, MN 55415

ASSESSMENT OF COMPLIANCE WITH THE APPLICABLE SERVICING CRITERIA

ABS Platform

The management (“Management”) of the Corporate Trust Services division of Wells Fargo Bank, National Association (the “Company” or “Wells Fargo”) is responsible for assessing the Company’s compliance with the applicable servicing criteria set forth in Item 1122(d) of Regulation AB of the Securities and Exchange Commission. Management has determined that the servicing criteria are applicable in regard to the servicing platform for the period as follows:

Sale of Corporate Trust Services Business. On November 1, 2021, Wells Fargo and certain of its affiliates sold substantially all of its Corporate Trust Services (“CTS”) division to Computershare Trust Company, N.A. (“Computershare Trust Company”), Computershare Delaware Trust Company (“CDTC”), and Computershare Limited (“Computershare Limited,” and collectively with Computershare Trust Company and CDTC, “Computershare”). Virtually all CTS employees of Wells Fargo, along with most existing CTS systems, technology, and offices transferred to Computershare as part of the sale. See Appendix B for more information regarding such transition as it relates to the ABS Platform (defined below).

Period: As of and for the twelve months ended December 31, 2023 (the “Period”).

Platform: The platform consists of asset-backed securities (“ABS”) transactions for which the Company was appointed to provide trustee (except Delaware trustee or owner trustee), paying agent services, and/or related services, and for which either (a) some or all of the issued securities for such ABS transactions were publicly offered pursuant to a registration statement delivered under the Securities Act of 1933, as amended, or (b) the issued securities for such ABS transactions were privately offered pursuant to an exemption from registration and the Company has an obligation under the transaction agreements to deliver an assessment of compliance with the applicable servicing criteria under Item 1122(d) of Regulation AB; provided however that, the platform excludes (i) any transactions for which the securities issued are mortgage-backed securities or mortgage-related asset-backed securities, and (ii) certain transactions for which the issuing entity has a fiscal year that ends on a date other than the end of the calendar year (the “ABS Platform”). As a result of Wells Fargo’s sale of the CTS division to Computershare, Wells Fargo has not accepted any appointments to perform trustee, paying agent services, and/or related services, on new ABS transactions after November 1, 2021, other than a few exceptions to facilitate the transition of the CTS business to Computershare. Appendix A identifies the individual transactions defined by Management as constituting the ABS Platform for the Period.

Applicable Servicing Criteria for the Period: Management has determined that the following servicing criteria set forth in Item 1122(d) are relevant to the servicing activities performed by the Company with respect to the ABS Platform transactions for the Period: 1122(d)(1)(ii) and 1122(d)(1)(iv) from January 1, 2023 through December 31, 2023, and 1122(d)(2)(vi) from January 1, 2023 through October 9, 2023 (the “Applicable Servicing Criteria”). Management has determined that all other servicing criteria set forth in Item 1122(d) are not applicable to the Company’s servicing activities with respect to the ABS Platform for the Period.

With respect to the ABS Platform and the Period, Management provides the following assessment of the Company’s compliance with respect to the Applicable Servicing Criteria:

1. Management is responsible for assessing the Company’s compliance with the Applicable Servicing Criteria.

2. Management has assessed the Company’s compliance with the Applicable Servicing Criteria. In performing this assessment, Management used the criteria set forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation AB.

3. Based on such assessment for the Period, the Company has complied in all material respects with the Applicable Servicing Criteria for the Period.

KPMG LLP, an independent registered public accounting firm, has issued an attestation report with respect to Management’s assessment of the Company’s compliance with the Applicable Servicing Criteria for the Period.


WELLS FARGO BANK, National Association

By:		/s/ Robin A. Phelan
		Robin A. Phelan
Title:		Vice President

Dated:		February 20, 2024

Appendix A to the Company’s Assessment of Compliance with the Applicable Servicing Criteria


ABS Platform Transactions

Wells Fargo Deal Identifier		Long Name
BANKONESER1		Chase Issuance Trust
CARVANA2020P1		Carvana Auto Receivables Trust 2020-P1
CARVANA2021N1		Carvana Auto Receivables Trust 2021-N1
CARVANA2021N2		Carvana Auto Receivables Trust 2021-N2
CARVANA2021N3		Carvana Auto Receivables Trust 2021-N3
CARVANA2021N4		Carvana Auto Receivables Trust 2021-N4
CARVANA2021P1		Carvana Auto Receivables Trust 2021-P1
CARVANA2021P2		Carvana Auto Receivables Trust 2021-P2
CARVANA2021P3		Carvana Auto Receivables Trust 2021-P3
CITEL051		CIT Education Loan Trust 2005-1
EART203		Exeter Automobile Receivables Trust 2020-3
EART212		Exeter Automobile Receivables Trust 2021-2
GMCAR193		GM Financial Consumer Automobile Receivables Trust 2019-3
GMCAR194		GM Financial Consumer Automobile Receivables Trust 2019-4
GMCAR203		GM Financial Consumer Automobile Receivables Trust 2020-3
GMCAR204		GM Financial Consumer Automobile Receivables Trust 2020-4
GREENTREE961		Green Tree Manufactured Housing Contract Senior/Subordinate Pass-Through Certificates, Series 1996-1
GREENTREE962		Green Tree Manufactured Housing Contract Senior/Subordinate Pass-Through Certificates, Series 1996-2
NAVIENT151		Navient Student Loan Trust 2015-1
NAVIENT152		Navient Student Loan Trust 2015-2
NAVIENT153		Navient Student Loan Trust 2015-3
NSLT043		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2004-3
NSLT044		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2004-4
NSLT051		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2005-1
NSLT052		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2005-2
NSLT053		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2005-3
NSLT054		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2005-4
NSLT061		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2006-1
NSLT062		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2006-2
NSLT063		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2006-3
NSLT071		Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2007-1
OAKWOOD2000C		Oakwood Mortgage Investors 2000-C Senior/Subordinate Pass-Through Certificates
OAKWOOD2000D		Oakwood Mortgage Investors Series 2000-D Senior/Subordinate Pass-Through Certificates
SDART191		Santander Drive Auto Receivables Trust 2019-1
SDART192		Santander Drive Auto Receivables Trust 2019-2
SDART193		Santander Drive Auto Receivables Trust 2019-3
SDART201		Santander Drive Auto Receivables Trust 2020-1
SDART202		Santander Drive Auto Receivables Trust 2020-2
SDART203		Santander Drive Auto Receivables Trust 2020-3
SDART204		Santander Drive Auto Receivables Trust 2020-4
SDART211		Santander Drive Auto Receivables Trust 2021-1

Appendix A-1

Appendix B to the Company’s Assessment of Compliance with the Applicable Servicing Criteria

Wells Fargo’s transfer of its roles on the ABS Platform transactions to Computershare is ongoing. As of the beginning of the Period, Wells Fargo had not transferred to Computershare the roles associated with its trustee (except Delaware trustee or owner trustee), paying agent services, and/or related services, and the duties, rights, and liabilities for such roles, under the relevant agreements for any of the ABS Platform transactions. During all or a portion of the Period, for all the ABS Platform transactions, Wells Fargo engaged Computershare as a subservicer¹ to perform virtually all of Wells Fargo’s obligations under the transaction agreements. As a result, the Company has determined that Computershare is a party participating in the servicing function with respect to the ABS Platform and the applicable servicing criteria relevant to the servicing activities performed by Computershare for the ABS Platform (the “Computershare Applicable Servicing Criteria”). Accordingly, Computershare is taking, and Wells Fargo is not taking, responsibility for assessing Computershare’s compliance with the Computershare Applicable Servicing Criteria for the ABS Platform, as of and for the twelve months ended December 31, 2023.

¹	In this Assessment, the term “subservicer” means agent.

Appendix B-1

Santander Drive Auto Receivables Trust 2020-3 10-K