Material Agreement (Form 8-K)

On January 28, 2026, CNH Equipment Trust 2026-A (the "Trust") publicly issued $186,400,000 of Class A-1 Asset Backed Notes (the "Class A-1 Notes"), $352,698,000 of Class A-2a and $150,000,000 of Class A-2b Asset Backed Notes (together, the "Class A-2 Notes"), $437,790,000 of Class A-3 Asset Backed Notes (the "Class A-3 Notes"), and $84,440,000 of Class A-4 Asset Backed Notes (the "Class A-4 Notes" and together with the Class A-1 Notes, the Class A-2 Notes, and the Class A-3 Notes, the "Notes") pursuant to the registration statement filed with the Securities and Exchange Commission on Form SF-3 (File No. 333-286570), as amended by Amendment No. 1 and Amendment No. 2, effective on August 11, 2025.

The lead managers for the issuance of the Notes are BofA Securities, Inc., J.P. Morgan Securities LLC, Mizuho Securities USA LLC and Santander US Capital Markets LLC (the "Representatives"). In connection with the offering described above, as described in the Prospectus dated January 21, 2026 (the "Prospectus"), which was filed with the Securities and Exchange Commission pursuant to its Rule 424(b)(5), the Registrant is filing the final forms of the agreements listed below under exhibits (the "Transaction Documents"). The Transaction Documents are described more fully in the Prospectus.