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, 2024.

 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 2021-3
 (Exact name of issuing entity as specified in its
charter)

 Commission file number of the issuing entity: 333-228364-16

 Central Index Key Number of issuing entity: 0001868834

 SANTANDER DRIVE AUTO RECEIVABLES LLC

 (Exact name of depositor as specified in its charter)

 Commission file number of depositor: 333-228364

 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)
 86-6424675

 (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.

 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

 Item 4.

 Mine Safety Disclosures

 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)

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

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

 Item 1117 of Regulation AB. Legal
Proceedings.

 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.

 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. 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. has been identified by the issuing entity as the servicer with respect to the asset pool held by the issuing
entity. Santander Consumer USA Inc. has completed a statement of compliance with applicable servicing criteria (a "Compliance Statement") signed by an authorized officer. The Compliance Statement is attached as an exhibit to this Form 10-K.

 Item 15.

 Exhibit and Financial Statement Schedules

 (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

 1.1

 Underwriting Agreement, dated as of July
14, 2021, among Santander Drive Auto Receivables LLC ("Santander Drive"), Santander Consumer USA Inc. ("SC") and Barclays Capital Inc., as representative of the several underwriters (incorporated by reference to Exhibit 1.1 of Form
 8-K filed by the Issuer (Commission File No. 333-228364-16) with the Securities and Exchange Commission on July 16,
2021)

 3.1

 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.
333-228364) with the Securities and Exchange Commission on November 13, 2018)

 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 3.2 of Form SF-3 filed by Santander Drive (Commission File No.
333-228364) with the Securities and Exchange Commission on November 13, 2018)

 4.1

 Indenture, dated as of July
21, 2021, between Santander Drive Auto Receivables Trust 2021-3, 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. 333-228364-16) with the Securities and Exchange Commission on
July 21, 2021)

 10.1

 Purchase Agreement, dated as of July 21, 2021, between SC and Santander Drive (incorporated by reference to Exhibit 10.1 of Form 8-K filed by the Issuer (Commission File No. 333-228364-16) with the Securities and Exchange Commission on July 21, 2021)

 10.2

 Sale and Servicing Agreement, dated as of July
21, 2021, among the Issuer, Santander Drive, SC and the Indenture Trustee (incorporated by reference to Exhibit 10.2 of Form 8-K filed by the Issuer (Commission File No. 333-228364-16) with the Securities and Exchange Commission on July 21, 2021)

 10.3

 Administration Agreement, dated as of July
21, 2021, 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. 333-228364-16) with the Securities and Exchange Commission July 21, 2021)

 10.4

 Amended and Restated Trust Agreement, dated as of July
21, 2021, between Santander Drive and Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee for the Issuer (incorporated by reference to Exhibit 10.4 of Form 8-K filed
 by the Issuer (Commission File No. 333-228364-16) with the Securities and Exchange Commission on July 21, 2021)

 10.5

 Asset Representations Review Agreement, dated as of July
21, 2021, among the Issuer, SC, as sponsor and servicer, 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. 333-228364-16) with the Securities and Exchange Commission on July 21, 2021)

 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 (Citibank, N.A.)

 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 Citibank, N.A.)

 35.1

 Servicer Compliance Statement (SC)

 (c)

 Not Applicable.

 Item 16.

 Form 10-K Summary

 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, 2025

 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)


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, 2024.

 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 2024-5
 (Exact name of issuing entity as specified in its
charter)
 Commission file number of the issuing entity:
 333-261901-20
 Central Index Key Number of issuing
entity: 0002039227
 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)

 99-6196303

 (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.

 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

 Item 4.

 Mine Safety Disclosures

 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)

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

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

 Item 1117 of Regulation AB. Legal
Proceedings.

 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.

 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. 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. has been identified by the issuing entity as the servicer with respect to the asset pool held by the issuing
entity. Santander Consumer USA Inc. has completed a statement of compliance with applicable servicing criteria (a "Compliance Statement") signed by an authorized officer. The Compliance Statement is attached as an exhibit to this Form 10-K.

 Item 15.

 Exhibit and Financial Statement Schedules

 (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

 1.1

 Underwriting Agreement, dated as of October
16, 2024, among Santander Drive Auto Receivables LLC ("Santander Drive"), Santander Consumer USA Inc. ("SC") and Wells Fargo Securities, LLC, as representative of the several underwriters (incorporated by reference to Exhibit 1.1 of
 Form 8-K filed by the Issuer (Commission File No. 333-261901-20) with the Securities and Exchange Commission on
October 18, 2024)

 3.1

 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)

 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 3.2 of Form SF-3 filed by Santander Drive (Commission File No.
333-261901) with the Securities and Exchange Commission on December 27, 2021)

 4.1

 Indenture, dated as of October
29, 2024, between Santander Drive Auto Receivables Trust 2024-5, 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. 333-261901-20) with the Securities and Exchange Commission on
October 29, 2024)

 10.1

 Purchase Agreement, dated as of October 29, 2024, between SC and Santander Drive (incorporated by reference to Exhibit 10.1 of Form 8-K filed by the Issuer (Commission File No. 333-261901-20) with the Securities and Exchange Commission on October 29, 2024)

 10.2

 Sale and Servicing Agreement, dated as of October
29, 2024, among the Issuer, Santander Drive, SC and the Indenture Trustee (incorporated by reference to Exhibit 10.2 of Form 8-K filed by the Issuer (Commission File No. 333-261901-20) with the Securities and Exchange Commission on October 29, 2024)

 10.3

 Administration Agreement, dated as of October
29, 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. 333-261901-20) with the Securities and Exchange Commission October 29, 2024)

 10.4

 Amended and Restated Trust Agreement, dated as of October
29, 2024, between Santander Drive and Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee for the Issuer (incorporated by reference to Exhibit 10.4 of Form 8-K filed
 by the Issuer (Commission File No. 333-261901-20) with the Securities and Exchange Commission on October 29, 2024)

 10.5

 Asset Representations Review Agreement, dated as of October
29, 2024, among the Issuer, SC, as sponsor and servicer, 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. 333-261901-20) with the Securities and Exchange Commission on October 29, 2024)

 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 (Citibank, N.A.)

 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 Citibank, N.A.)

 35.1

 Servicer Compliance Statement (SC)

 (c)

 Not Applicable.

 Item 16.

 Form 10-K Summary

 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, 2025

 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)


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, 2024.

 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 2022-6
 (Exact name of issuing entity as specified in its
charter)

 Commission file number of the issuing entity: 333-261901-06

 Central Index Key Number of issuing entity: 0001943670

 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)
 88-6459538

 (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.

 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

 Item 4.

 Mine Safety Disclosures

 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)

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

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

 Item 1117 of Regulation AB. Legal
Proceedings.

 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.

 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. 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. has been identified by the issuing entity as the servicer with respect to the asset pool held by the issuing
entity. Santander Consumer USA Inc. has completed a statement of compliance with applicable servicing criteria (a "Compliance Statement") signed by an authorized officer. The Compliance Statement is attached as an exhibit to this Form 10-K.

 Item 15.

 Exhibit and Financial Statement Schedules

 (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

 1.1

 Underwriting Agreement, dated as of September
12, 2022, among Santander Drive Auto Receivables LLC ("Santander Drive"), Santander Consumer USA Inc. ("SC") and RBC Capital Markets, LLC, as representative of the several underwriters (incorporated by reference to Exhibit 1.1 of Form
 8-K filed by the Issuer (Commission File No. 333-261901-06) with the Securities and Exchange Commission on
September 14, 2022)

 3.1

 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)

 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 3.2 of Form SF-3 filed by Santander Drive (Commission File No.
333-261901) with the Securities and Exchange Commission on December 27, 2021)

 4.1

 Indenture, dated as of September
21, 2022, between Santander Drive Auto Receivables Trust 2022-6, 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. 333-261901-06) with the Securities and Exchange Commission on
September 21, 2022)

 10.1

 Purchase Agreement, dated as of September
21, 2022, between SC and Santander Drive (incorporated by reference to Exhibit 10.1 of Form 8-K filed by the Issuer (Commission File No.
333-261901-06) with the Securities and Exchange Commission on September 21, 2022)

 10.2

 Sale and Servicing Agreement, dated as of September
21, 2022, among the Issuer, Santander Drive, SC and the Indenture Trustee (incorporated by reference to Exhibit 10.2 of Form 8-K filed by the Issuer (Commission File No. 333-261901-06) with the Securities and Exchange Commission on September 21, 2022)

 10.3

 Administration Agreement, dated as of September
21, 2022, 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. 333-261901-06) with the Securities and Exchange Commission September 21, 2022)

 10.4

 Amended and Restated Trust Agreement, dated as of September
21, 2022, between Santander Drive and Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee for the Issuer (incorporated by reference to Exhibit 10.4 of Form 8-K filed
 by the Issuer (Commission File No. 333-261901-06) with the Securities and Exchange Commission on September 21,
2022)

 10.5

 Asset Representations Review Agreement, dated as of September
21, 2022, among the Issuer, SC, as sponsor and servicer, 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. 333-261901-06) with the Securities and Exchange Commission on September 21, 2022)

 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 (Citibank, N.A.)

 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 Citibank, N.A.)

 35.1

 Servicer Compliance Statement (SC)

 (c)

 Not Applicable.

 Item 16.

 Form 10-K Summary

 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, 2025

 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)


UNITED STATES

 SECURITIES AND EXCHANGE COMMISSION

 Washington, D.C. 20549

 FORM 10-K

 ANNUAL REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 For the fiscal year ended December 31, 2024

 Commission file number of issuing entity: 333-52984-03, 333-131355, 333-171055-01, 333-208054, 333-224484, 333-261769, 333-283962
 Central Index Key Number of
issuing entity: 0001108348

 CITIBANK CREDIT CARD ISSUANCE TRUST*

 (Issuing Entity in respect of the Notes)

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

 DELAWARE

 NOT APPLICABLE

 (State or other jurisdiction of incorporation

 or organization of issuing entity)

 (I.R.S. Employer Identification No.

 of issuing entity)

 Commission file number of issuing entity:
 333-80743-02, 333-171055-02, 333-208054-01, 333-224484-02, 333-261769-02, 333-283962-02
 Central Index Key Number of issuing entity:
0000921864

 CITIBANK CREDIT CARD MASTER TRUST I

 (Issuing Entity in respect of the Collateral Certificate)

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

 NEW YORK

 NOT APPLICABLE

 (State or other jurisdiction of incorporation

 or organization of issuing entity)

 (I.R.S. Employer Identification No.

 of issuing entity)

 Commission file number of depositor and sponsor: 333-145220-03, 333-171055-03, 333-208054-02, 333-224484-01, 333-261769-01, 333-283962-01
 Central Index Key Number of sponsor
and depositor: 0001522616

 CITIBANK, N.A.
 (Exact
name of depositor and sponsor as specified in its charter)

 UNITED STATES OF AMERICA

 13-5266470

 (State or other jurisdiction of

 incorporation or organization)

 (I.R.S. Employer

 Identification No.)

 388 Greenwich St

 New York, New York

 10013

 (Address of principal executive offices

 of depositor and sponsor)

 (Zip Code)

 Registrant's telephone number, including area code: (212)
 559-1000
 Securities registered pursuant to Section 12(b) of the Act:

 Title of each class

 Trading

 Symbol(s)

 Name of each exchange

 on which registered

 NONE

 Securities registered pursuant to Section 12(g) of the Act: 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
 [Rule 405 of Regulation S-T is not applicable.]
 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. [Not Applicable]
 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:
 NOT APPLICABLE

 *

 In accordance with relevant regulations of the Securities and Exchange Commission, the depositor files annual
and other reports concerning the Notes with the Commission on behalf of Citibank Credit Card Issuance Trust and Citibank Credit Card Master Trust I under the Central Index Key (CIK) number (0001108348) for Citibank Credit Card Issuance Trust.

 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.

 Item 4. Mine Safety
Disclosures.

 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).

 The primary asset of Citibank Credit Card Issuance Trust, a Delaware statutory trust formed on September 12, 2000 (the "issuance
trust") – and its primary source of funds for the payment of principal of and interest on the notes – is a collateral certificate issued by Citibank Credit Card Master Trust I (the "master trust") to the issuance trust. The
collateral certificate represents an undivided interest in the assets of the master trust. The master trust's assets consist primarily of credit card receivables arising in a portfolio of revolving credit card accounts. The master trust,
therefore, may be considered a significant obligor in relation to the issuance trust. Pursuant to Instruction 2.b. to Item 1112(b) of Regulation AB, the information required by Instruction J to Form 10-K in
respect of the master trust has been disclosed in this Annual Report on Form 10-K for the fiscal year ended December 31, 2024 ("2024 Form 10-K") in lieu
of the information otherwise contemplated by Item 1112(b).
 The pool assets held by the master trust do not include any significant
obligors.
 Item 1114(b)(2) of Regulation AB: Credit enhancement and other support, except for certain derivatives instruments (financial
information).
 Based on the standards set forth in Item 1114(b)(2) of Regulation AB, no information is required in response to this
Item.

 Item 1115(b) of Regulation AB: Certain derivatives instruments (financial information).

 Based on the standards set forth in Item 1115(b) of Regulation AB, no information is required in response to this Item.

 Item 1117 of Regulation AB: Legal proceedings.

 Sponsor, Depositor Issuing Entity or Service Litigation

 Interchange Fee Litigation
 Beginning in
2005, several putative class actions were filed against Citigroup Inc., Citibank, N.A., and Citicorp LLC, together with Visa, MasterCard, and other banks and their affiliates, in various federal district courts and consolidated with other related
individual cases in a multi-district litigation proceeding in the United States District Court for the Eastern District of New York. This proceeding is captioned IN RE PAYMENT CARD INTERCHANGE FEE AND MERCHANT DISCOUNT ANTITRUST LITIGATION.

 The plaintiffs, merchants that accept Visa and MasterCard branded payment cards, as well as various membership associations that claim to
represent certain groups of merchants, allege, among other things, that defendants have engaged in conspiracies to set the price of interchange and merchant discount fees on credit and debit card transactions and to restrain trade unreasonably
through various Visa and MasterCard rules governing merchant conduct, all in violation of Section 1 of the Sherman Act and certain California statutes. Plaintiffs further allege violations of Section 2 of the Sherman Act. Supplemental
complaints also were filed against defendants in the putative class actions alleging that Visa's and MasterCard's respective initial public offerings were anticompetitive and violated Section 7 of the Clayton Act, and that
MasterCard's initial public offering constituted a fraudulent conveyance.
 In 2014, the district court entered a final judgment
approving the terms of a class settlement. Various objectors appealed from the final class settlement approval order to the United States Court of Appeals for the Second Circuit. In 2016, the Court of Appeals reversed the district court's
approval of the class settlement and remanded for further proceedings. The district court thereafter appointed separate counsel for a putative class seeking damages and a putative class seeking injunctive relief. Amended or new complaints on behalf
of the putative classes and various individual merchants were subsequently filed, including a further amended complaint on behalf of a putative damages class and a new complaint on behalf of a putative injunctive class, both of which named Citigroup
Inc., Citibank, N.A., and Citicorp LLC. In addition, numerous merchants have filed amended or new complaints against Visa, MasterCard, and in some instances one or more issuing banks, including Citigroup Inc., Citibank, N.A., and Citicorp Payment
Services.
 In 2019, the district court granted the damages class plaintiffs' motion for final approval of a new settlement with the
defendants. The settlement involves the damages class only and does not settle the claims of the injunctive relief class or any actions brought on a non-class basis by individual merchants. The settlement
provides for a cash payment to the damages class of $6.24 billion, later reduced by $700 million based on the transaction volume of class members that opted out from the settlement. Several merchants and merchant groups appealed the final
approval

order. In September 2021, the court granted the injunctive relief class plaintiffs' motion to certify a
 non-opt-out class. On March 15, 2023, the United States Court of Appeals for the Second Circuit affirmed the district court's final approval of the damages
class settlement and remanded the case back to the district court for administration of the settlement claims process. On January 8, 2024, the district court issued decisions on two pending motions for summary judgment. It granted in part and
denied in part defendants' motions for summary judgment. The district court also denied Mastercard's motion for summary judgment as to Mastercard's lack of market power. From February to April 2024, the court issued opinions regarding
the parties' remaining respective summary judgment motions. On March 26, 2024, the injunctive relief class plaintiffs filed a motion seeking preliminary approval of the parties' March 25, 2024, agreement to settle the injunctive
relief class claims. On June 25, 2024, the district court denied the motion for preliminary approval of the injunctive relief class settlement. Beginning on June 25, 2024, the district court issued orders concluding the multi-district
litigation proceedings and remanding the cases to other districts in GRUBHUB HOLDINGS, INC., ET AL. v. VISA INC., ET AL.; MIRAGE WINE & SPIRITS, INC., ET AL. v. VISA INC., ET AL.; TARGET CORP., ET AL. v. VISA INC., ET AL.; and 7-ELEVEN, INC., ET AL. v. VISA INC., ET AL. Additional information concerning these actions is publicly available in court filings under the docket numbers 1:05md-01720 (E.D.N.Y.) (Brodie, J.); 1:13-cv-04442 (S.D.N.Y.) (Hellerstein, J.); 1:13-cv-03477 (S.D.N.Y.) (Hellerstein, J.); and
1:19cv-07273 (N.D. Ill.) (Chang, J.).
 Indenture Trustee and Master Trust Trustee Litigation

 Deutsche Bank Trust Company Americas, the indenture trustee and the master trust trustee ("DBTCA"), and Deutsche Bank National Trust
Company ("DBNTC") have been sued by investors in civil litigation concerning their role as trustees of certain residential mortgage- backed securities ("RMBS") trusts.

 On June 18, 2014, a group of investors, including funds managed by Blackrock Advisors, LLC, PIMCO-Advisors, L.P. and others, filed an
action against DBNTC and DBTCA in New York State Supreme Court alleging that DBNTC and DBTCA failed to perform purported duties, as trustees for 544 private-label RMBS trusts, to enforce breaches of representations and warranties as to mortgage
loans held by the trusts and to enforce breaches by servicers of their mortgage loan servicing obligations for the trusts. During the course of the litigation, plaintiffs dismissed the case from New York State Supreme Court and refiled two separate
cases, one in the U.S. District Court for the Southern District of New York (the "BlackRock SDNY Case") and the other in the Superior Court of California, Orange County (the "BlackRock California Case"). Pursuant to a settlement
among the parties, the BlackRock SDNY Case was dismissed on December 6, 2018, and the BlackRock California Case was dismissed on January 11, 2019.

 On September 27, 2017, DBTCA was added as a defendant to a case brought by certain special purpose entities including Phoenix Light SF
Limited in the U.S. District Court for the Southern District of New York, in which the plaintiffs previously alleged incorrectly that DBNTC served as trustee for all 43 of the trusts at issue. On September 27, 2017, plaintiffs filed a third
amended complaint that names DBTCA as a defendant in addition to DBNTC. DBTCA serves as trustee for one of the 43 trusts at issue. DBNTC serves as trustee for the other 42 trusts at issue. Plaintiffs' third amended complaint brings claims for
violation of the

 U.S. Trust Indenture Act of 1939 ("TIA"); breach of contract; breach of fiduciary duty; negligence
and gross negligence; violation of the New York Streit Act; and breach of the covenant of good faith. However, in the third amended complaint, plaintiffs acknowledge that, before DBTCA was added to the case, the court dismissed plaintiffs' TIA
Act claims, negligence and gross negligence claims, Streit Act claims, claims for breach of the covenant of good faith, and certain theories of plaintiffs' breach of contract claims, and plaintiffs only include these claims to preserve any
rights on appeal. Plaintiffs allege damages of "hundreds of millions of dollars." On November 13, 2017, DBNTC and DBTCA filed an answer to the third amended complaint. On December 7, 2018, DBNTC and DBTCA filed a motion for
summary judgment. Also on December 7, 2018, plaintiffs, jointly with Commerzbank AG (see description of Commerzbank case below), filed a motion for partial summary judgment. On October 27, 2021, DBNTC and DBTCA filed a supplemental motion
for summary judgment relating to plaintiffs' standing. On February 8, 2022, the court issued an order in which it granted DBNTC and DBTCA's supplemental motion for summary judgment, granted in part DBNTC and DBTCA's initial
motion for summary judgment, and denied plaintiffs' motion for partial summary judgment. As a result of that order, all of plaintiffs' claims were dismissed with prejudice. On April 26, 2023, the United States Court of Appeals for the
Second Circuit affirmed the court's summary judgment order.
 On November 30, 2017, DBTCA was added as a defendant to a case
brought by Commerzbank AG ("Commerzbank") in the U.S. District Court for the Southern District of New York, in which Commerzbank previously alleged incorrectly that DBNTC served as trustee for all 50 of the trusts at issue. On
November 30, 2017, Commerzbank filed a second amended complaint that names DBTCA as a defendant in addition to DBNTC. DBTCA serves as trustee for 1 of the 50 trusts at issue. DBNTC serves as trustee for the other 49 trusts at issue.
Commerzbank's second amended complaint brings claims for violation of the TIA; breach of contract; breach of fiduciary duty; negligence; violation of the Streit Act; and breach of the covenant of good faith. However, in the second amended
complaint, Commerzbank acknowledges that, before DBTCA was added to the case, the court dismissed Commerzbank's TIA claims for the trusts governed by pooling and servicing agreements, as well as its Streit Act claims and claims for breach of
the covenant of good faith, and Commerzbank only includes these claims to preserve any rights on appeal. The second amended complaint alleges that DBNTC and DBTCA caused Commerzbank to suffer "hundreds of millions of dollars in losses,"
but the complaint does not include a demand for money damages in a sum certain. On January 29, 2018, DBNTC and DBTCA filed an answer to the second amended complaint. On December 7, 2018, DBNTC and DBTCA filed a motion for summary judgment.
Also on December 7, 2018, Commerzbank, jointly with the Phoenix Light plaintiffs, filed a motion for partial summary judgment. On February 8, 2022, the court issued an order in which it granted in part DBNTC and DBTCA's motion for
summary judgment and denied plaintiffs' motion for partial summary judgment. As a result of that order, many of plaintiffs' claims and theories were dismissed with prejudice. The operative scheduling order contemplates that a second phase
of summary judgment briefing will be completed by January 23, 2025.

 On December 30, 2015, IKB International, S.A. in Liquidation and IKB Deutsche
Industriebank A.G. (collectively, "IKB"), as an investor in 37 RMBS trusts, filed a summons with notice in the Supreme Court of the State of New York, New York County, against DBNTC and DBTCA as trustees of the trusts. On May 27,
2016, IKB served its complaint asserting claims for breach of contract, breach of fiduciary duty, breach of duty to avoid conflicts of interest, violation of the Streit Act, violation of the TIA, violation of Regulation AB, and violation of
Section 9 of the Uniform Commercial Code. IKB alleges that DBNTC and DBTCA are liable for over U.S. $268 million in damages. On October 5, 2016, DBNTC and DBTCA, together with several other trustees defending lawsuits by IKB, filed a
joint motion to dismiss. On January 6, 2017 IKB filed a notice of discontinuance, voluntarily dismissing with prejudice all claims as to three trusts. On June 20, 2017, the parties filed a stipulation, voluntarily dismissing with prejudice
all claims as to four additional trusts. On January 27, 2021, the court granted in part and denied in part DBNTC and DBTCA's motion to dismiss. The court granted the motion to dismiss with respect to IKB's claims for violations of the
Streit Act, Regulation AB, and Section 9 of the Uniform Commercial Code, as well as certain aspects of IKB's claims for breach of contract, breach of fiduciary duty, and violation of the TIA. The court denied the remainder of the motion to
dismiss. IKB's remaining claims for breach of contract, breach of fiduciary duty, breach of duty to avoid conflicts of interest, and violation of the TIA will proceed. On May 10, 2021, DBNTC and DBTCA filed a notice of appeal with the New
York Supreme Court Appellate Division, First Department, regarding certain aspects of the court's order on the motion to dismiss. On May 20, 2021, IKB filed a notice of cross appeal with respect to other aspects of that order. On
August 30, 2022, the New York Supreme Court, Appellate Division, First Department affirmed in part and reversed in part the court's order on the motion to dismiss. After DBNTC and DBTCA appealed the First Department's decision, on
June 15, 2023, the New York Court of Appeals reversed the First Department's decision in part, dismissing certain additional contract claims, as well as IKB's claims for breach of fiduciary duty and breach of duty to avoid conflicts
of interest. On June 2, 2021, IKB filed a motion for re-argument regarding certain aspects of the court's order on the motion to dismiss, which the court denied on August 3, 2021. On
May 13, 2021, DBNTC and DBTCA filed an answer to the complaint. On October 28, 2021, the parties filed a stipulation, voluntarily dismissing with prejudice all claims as to seven additional trusts. On December 29, 2021, the parties
filed a stipulation, voluntarily dismissing with prejudice all claims as to one additional trust. On April 22, 2022, the parties filed a stipulation, voluntarily dismissing with prejudice all claims as to 17 certificates at issue, including all
claims as to 5 trusts. On February 28, 2023, the parties filed a stipulation, voluntarily dismissing with prejudice all claims as to two trusts, leaving 15 trusts at issue. On November 21, 2023, the parties filed a stipulation, voluntarily
dismissing with prejudice all claims as to three trusts, leaving 12 trusts at issue. On November 14, 2024, DBNTC and DBTCA filed a motion for summary judgment. Also on November 14, 2024, IKB filed a motion for partial summary judgment. The
operative scheduling order contemplates that summary judgment briefing will be completed by March 12, 2025.

 It is DBTCA's belief that it has no pending legal proceedings (including, based on
DBTCA's present evaluation, the litigation disclosed in the foregoing paragraphs) that would materially affect its ability to perform its duties as the trustee for the issuance trust and the master trust.

 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 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 6. [Reserved]

 Item 9B. Other Information.
 None

 Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections.

 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.

 Citibank, N.A. and Deutsche Bank Trust Company Americas have been identified by the registrant as parties participating in the servicing
function during the year ended December 31, 2024, with respect to Citibank Credit Card Issuance Trust and Citibank Credit Card Master Trust I. Each of Citibank, N.A. and Deutsche Bank Trust Company Americas has delivered a report on an
assessment of compliance with the servicing criteria applicable to such party (each, an "Assessment Report") as of, and for the year ended, December 31, 2024, which Assessment Reports are attached as exhibits 33.1 and 33.2,
respectively, to this 2024 Form 10-K. In addition, each of Citibank, N.A. and Deutsche Bank Trust Company Americas has provided an attestation report (each, an "Attestation Report") by KPMG LLP and
Ernst & Young LLP, respectively, each an independent registered public accounting firm, regarding its related Assessment Report. The Attestation Reports are attached as exhibits 34.1 and 34.2, respectively, to this 2024 Form 10-K.
 No Assessment Report or related Attestation Report has identified any material instance of
noncompliance with the servicing criteria identified in such Assessment Report as applicable to the related servicing participant.

 Platform-Level Reports: Regulations of the SEC require that a servicing participant perform a "platform" level assessment for
purposes of assessing servicing compliance. This means that the transactions covered in a report on an assessment of compliance should include asset-backed securities transactions involving such servicing participant that are backed by the same
asset type. Further guidance from the SEC staff identifies additional parameters which a servicing participant may apply to define and further limit its platform. For example, a servicing participant may define its platform to include only
transactions that were completed on or after January 1, 2006 (the effective date of Regulation AB) and that were registered with the SEC pursuant to the Securities Act of 1933. Each servicing participant is responsible for defining its own
platform, and each platform will naturally differ based on various factors, including the servicing participant's business model, the transactions in which it is involved and the range of activities performed in those transactions.

 The platform defined by Deutsche Bank Trust Company Americas in its Assessment Report attached as an exhibit to this 2024 Form 10-K includes more transactions than those included in Citibank, N.A.'s Assessment Report, and the range of activities performed by Deutsche Bank for some of those additional transactions is broader than the
range of activities it performs in the Citibank Credit Card Issuance Trust transactions. Accordingly, the servicing criteria addressed by Deutsche Bank in its Assessment Report include criteria in addition to the criteria applicable specifically to
the Citibank Credit Card Issuance Trust transactions.

 Item 1123 of Regulation AB: Servicer compliance statement.

 Citibank, N.A. has been identified by the registrant as the sole servicer with respect to the pool assets held by each of Citibank Credit Card
Issuance Trust and Citibank Credit Card Master Trust I. Citibank, N.A. has provided a statement of compliance relating to servicing activities for the year ended December 31, 2024, which has been signed by an authorized officer of Citibank,
N.A. and is attached hereto as exhibit 35.1.

 Item 15. Exhibit and Financial Statement Schedules.

 (a)(1) Not Applicable.
 (a)(2)
 (a)(3) Not Applicable.

 (b)

 Exhibits

 Exhibit Index

 Exhibit Number

 Description

 4.1

 Second Amended and Restated Indenture for the Notes dated as of November
10, 2016, incorporated by reference from Exhibit 4.1 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on November 10, 2016.

 4.2

 Third Amended and Restated Pooling and Servicing Agreement for Citibank Credit Card Master Trust I dated as of November
10, 2016, incorporated by reference from Exhibit 4.2 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on November 10, 2016.

 4.3

 Amended and Restated Series 2000 Supplement dated as of August
9, 2011 (including the form of Collateral Certificate), to the Second Amended and Restated Pooling and Servicing Agreement dated as of August
9, 2011, incorporated by reference from Exhibit 4.3 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on August 12, 2011.

 4.4

 Amendment No. 1 dated as of November
10, 2016, to the Amended and Restated Series 2000 Supplement, incorporated by reference from Exhibit 4.4 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on November
 10, 2016.

 4.5

 Amended and Restated Trust Agreement of Citibank Credit Card Issuance Trust dated as of August
9, 2011, incorporated by reference from Exhibit 4.4 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on August 12, 2011.

 4.6

 Asset Representations Review Agreement dated as of November
18, 2016, incorporated by reference from Exhibit 4.8 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on November 18, 2016.

 4.7

 Terms Document, including the form of Note, relating to each publicly-offered subclass of notes of the Citiseries issued between January 1, 2006 and December 31, 2024, inclusive, and outstanding during 2024, as identified
below, incorporated by reference from Exhibit 4.1 of each Current Report on Form 8-K filed by the Registrant with the Securities and Exchange Commission on the following dates:

 Subclass

 Filing Date

 2007-A3

 June 15, 2007

 2007-A3 Reopen

 August 15, 2007

 2007-A4

 June 15, 2007

 2007-A4 Reopen

 August 15, 2007

 2017-A5

 May 2, 2017

 2017-A6

 May 22, 2017

 2018-A5

 August 8, 2018

 2018-A7

 October 15, 2018

 2023-A1

 December 11, 2023

 2023-A2

 December 11, 2023

 31.1

 Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 and relevant rules and regulations of the Securities and Exchange Commission.

 33.1

 Report on Assessment of Compliance with Servicing Criteria by Citibank, N.A.

 33.2

 Report on Assessment of Compliance with Servicing Criteria by Deutsche Bank Trust Company Americas.

 34.1

 Attestation Report of KPMG LLP on Assessment of Compliance with Servicing Criteria by Citibank, N.A.

 34.2

 Attestation Report of Ernst & Young LLP on Assessment of Compliance with Servicing Criteria by Deutsche Bank Trust Company Americas.

 35.1

 Servicer Compliance Statement of Citibank, N.A. for the fiscal year ended December 31, 2024.

 99.1

 Amended and Restated Series 2009 Supplement dated as of August
9, 2011 (including the form of Series 2009 Certificate), to the Second Amended and Restated Pooling and Servicing Agreement, incorporated by reference from Exhibit 99.1 of the Registrant's Current Report on Form 8-K
 filed with the Securities and Exchange Commission on August 12, 2011.

 99.2

 Amendment No. 1 dated as of July
10, 2012, to the Amended and Restated Series 2009 Supplement, incorporated by reference to Exhibit 99.1 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on July
 10, 2012.

 99.3

 Amendment No. 2 dated as of November
3, 2017, to the Amended and Restated Series 2009 Supplement, incorporated by reference to Exhibit 99.1 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on November
 3, 2017.

 99.4

 Amendment No. 3 dated as of February
6, 2023, to the Amended and Restated Series 2009 Supplement, incorporated by reference to Exhibit 99.1 of the Registrant's Current Report on Form 8-K filed with the Securities and Exchange Commission on February
 6, 2023

 (c)

 Item 16. Form 10–K Summary.

 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.

 CITIBANK, N.A.,

 as Depositor of Citibank Credit Card Issuance Trust

 and Citibank Credit Card Master Trust I

 By:

 /s/ Elissa Steinberg

 Elissa Steinberg

 Vice President

 (senior officer in charge of securitization of the depositor)

 Dated: March 26, 2025