Exhibit 99.1
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-4 Owner Trust |
Collection Period: February 1, 2026 through February 28, 2026 |
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Deal Age |
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4 |
Determination Date: 03/11/2026 |
Actual/360 Days |
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27 |
Record Date: 03/15/2026 |
30/360 Days |
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30 |
Payment Date: 03/16/2026 |
ORIGINAL DEAL PARAMETERS
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Dollar Amount |
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Number of Receivables |
Total Portfolio Balance |
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$2,483,150,001.52 |
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104,973 |
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Accrual Basis |
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Dollar Amount |
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% of Pool |
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Index Rate |
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Margin |
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Interest Rate |
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Final Scheduled
Maturity Date |
Class A-1 Notes |
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Actual/360 |
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$570,000,000.00 |
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22.95% |
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3.995% |
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October 15, 2026 |
Class A-2a Notes |
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30/360 |
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$550,400,000.00 |
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22.17% |
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4.040% |
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June 15, 2028 |
Class A-2b Notes |
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Actual/360 |
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$309,600,000.00 |
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12.47% |
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4.038% |
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June 15, 2028 |
Class A-3 Notes |
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30/360 |
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$864,000,000.00 |
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34.79% |
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3.658% |
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0.380% |
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3.980% |
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June 17, 2030 |
Class A-4 Notes |
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30/360 |
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$127,070,000.00 |
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5.12% |
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4.050% |
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February 17, 2032 |
Certificates |
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30/360 |
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$62,080,001.52 |
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2.50% |
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0.000% |
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Total Securities Balance |
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$2,483,150,001.52 |
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Total Note Balance |
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$2,421,070,000.00 |
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Reserve Account Initial Deposit |
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$6,207,875.00 |
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Yield Supplement Account Deposit |
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$118,260,400.85 |
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COLLECTIONS
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Interest Collections |
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Simple Interest Collections |
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$8,826,687.09 |
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Interest Related to Repurchased Receivables |
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$0.00 |
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Interest Advance for simple Interest - Net * |
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$0.00 |
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Total Interest Collections |
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$8,826,687.09 |
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* Advances are reimbursed (including outstanding advances of $0.00): |
(i) from subsequent payments, liquidation proceeds and servicer repurchase payments in respect of the related obligor, and |
(ii) to the extent amounts in clause (i) are insufficient, generally from interest (with respect to interest advances). |
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Principal Collections |
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Principal Collections |
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$56,060,979.90 |
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Prepayments in Full |
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$24,229,597.46 |
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Liquidation Proceeds |
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$311,641.24 |
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Principal Related to Repurchased Receivables |
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$0.00 |
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Recoveries from Prior Month Charge Offs |
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$39,599.99 |
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Total Principal Collections |
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$80,641,818.59 |
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Total Interest and Principal Collections |
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$89,468,505.68 |
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Yield Supplement Deposit |
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$5,594,240.76 |
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Collection Account Investment Earnings |
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$0.00 |
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Total Available Amount |
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$95,062,746.44 |
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SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-4 Owner Trust |
Collection Period: February 1, 2026 through February 28, 2026 |
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Deal Age |
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4 |
Determination Date: 03/11/2026 |
Actual/360 Days |
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27 |
Record Date: 03/15/2026 |
30/360 Days |
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30 |
Payment Date: 03/16/2026 |
DISTRIBUTIONS
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Note Percentage |
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100.00% |
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Certificate Percentage |
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0.00% |
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Amount Due |
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Amount Paid |
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Shortfall |
Total Servicing Fee |
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1.00% |
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$1,791,894.74 |
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$1,791,894.74 |
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$0.00 |
Trustee Fees |
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$0.00 |
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$0.00 |
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$0.00 |
Asset Representations Reviewer Fees (Accrued & Unpaid) |
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$0.00 |
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$0.00 |
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$0.00 |
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Interest - Class A-1 Notes |
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$710,481.86 |
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$710,481.86 |
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$0.00 |
Interest - Class A-2a Notes |
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$1,853,013.33 |
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$1,853,013.33 |
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$0.00 |
Interest - Class A-2b Notes |
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$937,667.72 |
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$937,667.72 |
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$0.00 |
Interest - Class A-3 Notes |
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$2,865,600.00 |
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$2,865,600.00 |
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$0.00 |
Interest - Class A-4 Notes |
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$428,861.25 |
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$428,861.25 |
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$0.00 |
Total Monthly Interest |
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$6,795,624.16 |
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$6,795,624.16 |
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$0.00 |
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Principal - Class A-1 Notes |
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$81,174,618.65 |
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$81,174,618.65 |
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$0.00 |
Principal - Class A-2a Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Class A-2b Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Class A-3 Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Class A-4 Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Total Monthly Principal |
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$81,174,618.65 |
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$81,174,618.65 |
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$0.00 |
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Interest - Certificates |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Certificates |
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$0.00 |
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$0.00 |
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$0.00 |
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Available to Deposit |
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Reserve Deposit |
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Reserve Draw |
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Excess Released |
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Released to Seller |
Reserve Account Deposit |
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$5,300,608.89 |
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$0.00 |
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$0.00 |
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$0.00 |
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$5,300,608.89 |
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Noteholder/Certificateholder Distributions
(Per $1000 of Original Principal Amount) |
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Fee |
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Interest |
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Interest
Shortfall |
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Principal |
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Principal
Shortfall |
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Amount
Distributed |
Servicing Fee |
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$0.72 |
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$1,791,894.74 |
Trustee Fees |
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$0.00 |
Asset Representation Reviewer Fees |
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$0.00 |
Class A-1 Notes |
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$1.25 |
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$0.00 |
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$142.41 |
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$0.00 |
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$81,885,100.51 |
Class A-2a Notes |
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$3.37 |
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$0.00 |
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$0.00 |
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$0.00 |
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$1,853,013.33 |
Class A-2b Notes |
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$3.03 |
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$0.00 |
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$0.00 |
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$0.00 |
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$937,667.72 |
Class A-3 Notes |
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$3.32 |
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$0.00 |
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$0.00 |
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$0.00 |
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$2,865,600.00 |
Class A-4 Notes |
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$3.38 |
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$0.00 |
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$0.00 |
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$0.00 |
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$428,861.25 |
Certificates |
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$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
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$0.00 |
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-4 Owner Trust |
Collection Period: February 1, 2026 through February 28, 2026 |
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Deal Age |
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4 |
Determination Date: 03/11/2026 |
Actual/360 Days |
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27 |
Record Date: 03/15/2026 |
30/360 Days |
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30 |
Payment Date: 03/16/2026 |
POOL DATA
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Proceeding Month |
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Carryover Shortfall |
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Beginning of Period |
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End of Period |
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Interest |
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Principal |
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Balance |
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Note Factor |
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Balance |
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Note Factor |
Class A-1 Notes |
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$0.00 |
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$0.00 |
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$237,123,690.42 |
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0.4160065 |
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$155,949,071.77 |
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0.2735949 |
Class A-2a Notes |
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$0.00 |
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$0.00 |
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$550,400,000.00 |
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1.0000000 |
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$550,400,000.00 |
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1.0000000 |
Class A-2b Notes |
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$0.00 |
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$0.00 |
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$309,600,000.00 |
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1.0000000 |
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$309,600,000.00 |
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1.0000000 |
Class A-3 Notes |
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$0.00 |
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$0.00 |
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$864,000,000.00 |
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1.0000000 |
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$864,000,000.00 |
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1.0000000 |
Class A-4 Notes |
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$0.00 |
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$0.00 |
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$127,070,000.00 |
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1.0000000 |
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$127,070,000.00 |
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1.0000000 |
Certificates |
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$0.00 |
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$0.00 |
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$62,080,001.52 |
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1.0000000 |
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$62,080,001.52 |
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1.0000000 |
Total Securities |
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$2,150,273,691.94 |
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0.8659460 |
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$2,069,099,073.29 |
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0.8332558 |
Total Notes |
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$2,088,193,690.42 |
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0.8625086 |
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$2,007,019,071.77 |
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0.8289802 |
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Portfolio Information |
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Original |
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Prior Month |
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Current Month |
Weighted Average Coupon (WAC) |
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4.93% |
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4.96% |
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4.97% |
Weighted Average Remaining Maturity (WAM) |
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49.45 |
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45.75504402 |
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44.96 |
Weighted Average Original Maturity (WAOM) |
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61.9 |
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Remaining Number of Receivables |
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104,973 |
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99,011 |
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97,349 |
Portfolio Receivable Balance |
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$2,483,150,001.52 |
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$2,150,273,691.94 |
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$2,069,099,073.29 |
DELINQUENCY AND NET LOSS ACTIVITY
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Net Loss and Delinquency Account Activity |
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Amount |
Gross Principal Balance on Defaulted Receivables |
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$884,041.29 |
Liquidation Proceeds |
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$311,641.24 |
Recoveries on Previously Defaulted Contracts |
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$39,599.99 |
Aggregate Net Losses for Collection Period |
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$532,800.06 |
Net Loss Rate for Collection Period's Average Balance (annualized) |
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$0.00 |
Cumulative Net Losses for all Periods |
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$1,240,256.27 |
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Delinquent Receivables |
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# Units |
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% Unit |
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Dollar Amount |
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% Dollar |
31-60 Days Delinquent |
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529 |
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0.54% |
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$11,625,701.60 |
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0.56% |
61-90 Days Delinquent |
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109 |
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0.11% |
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$2,465,398.73 |
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0.12% |
91-120 Days Delinquent |
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37 |
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0.04% |
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$834,817.72 |
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0.04% |
121 Days or More Delinquent |
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0 |
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0.00% |
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$0.00 |
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0.00% |
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Repossession Activity |
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# Units |
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% Unit |
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Dollar Amount |
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% Dollar |
Vehicles Repossessed During Collection Period |
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35 |
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0.04% |
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$1,044,657.12 |
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0.05% |
Total Accumulated Repossessed Vehicles in Inventory |
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62 |
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0.06% |
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$1,835,860.71 |
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0.09% |
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-4 Owner Trust |
Collection Period: February 1, 2026 through February 28, 2026 |
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Deal Age |
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4 |
Determination Date: 03/11/2026 |
Actual/360 Days |
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27 |
Record Date: 03/15/2026 |
30/360 Days |
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30 |
Payment Date: 03/16/2026 |
DELINQUENCY AND NET LOSS ACTIVITY
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Net Loss and Delinquency Ratios |
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Ratio of Net Losses to the Pool Balance as of Each Collection Period |
Third Preceding Collection Period |
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0.02% |
Second Preceding Collection Period |
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0.04% |
Preceding Collection Period |
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0.32% |
Current Collection Period |
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0.30% |
Four Month Average |
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0.17% |
Ratio of Number of Contracts Delinquent 61 Days or More to the Outstanding Number of Receivables (includes repossessions in inventory) |
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Second Preceding Collection Period |
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0.18% |
Preceding Collection Period |
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0.21% |
Current Collection Period |
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0.21% |
Three Month Average |
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0.20% |
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Delinquency Trigger |
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4.80% |
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Delinquency Percentage exceeds Delinquency Trigger: |
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No |
Delinquency Percentage - |
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0.16% |
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Receivables that are 61 days or more delinquent as a percentage of Current Outstanding Balance of Receivables |
LOSS AND CUMULATIVE LOSS INFORMATION
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Current Month |
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Cumulative |
For Assets Experiencing a Loss: |
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Units |
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Amount |
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Units |
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Amount |
Gross Principal on Defaulted Receivables |
36 |
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$884,041.29 |
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80 |
|
$1,979,297.37 |
Liquidation Proceeds and Recoveries on Defaulted Receivables |
35 |
|
$350,532.57 |
|
61 |
|
$732,484.03 |
Net Loss Amount |
36 |
|
$533,508.72 |
|
80 |
|
$1,246,813.34 |
Net Loss % of Average Portfolio Balance (Annualized) |
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0.30% |
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Cumulative Net Loss % of Initial Balance |
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0.05% |
Average Net Loss of Assets Experiencing a Loss |
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$15,585.17 |
CREDIT ENHANCEMENT
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Reconciliation of Reserve Account |
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Reconciliation of Yield Supplement Account |
Beginning Reserve Account Balance |
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$6,207,875.00 |
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Beginning Yield Supplement Account Balance |
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$91,995,041.95 |
Investment Earnings |
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$16,668.12 |
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Investment Earnings |
|
$253,520.72 |
Excess Interest Deposited into the Reserve Account |
|
$0.00 |
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Additional Yield Supplement Amounts |
|
$0.00 |
Investment Withdrawal to Seller |
|
$(16,668.12) |
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Yield Supplement Withdrawal Amount |
|
$5,594,240.76 |
Release of Reserve to Collection Account |
|
$0.00 |
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Investment Earnings Withdraw |
|
$0.00 |
Release of Reserve to Seller |
|
$0.00 |
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Release of Yield Supplement Account Balance to Seller |
|
$0.00 |
Ending Reserve Account Balance |
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$6,207,875.00 |
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Ending Yield Supplement Account Balance |
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$86,654,321.91 |
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Reserve Account Required Amount |
|
$6,207,875.00 |
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SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-4 Owner Trust |
Collection Period: February 1, 2026 through February 28, 2026 |
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|
Deal Age |
|
4 |
Determination Date: 03/11/2026 |
Actual/360 Days |
|
27 |
Record Date: 03/15/2026 |
30/360 Days |
|
30 |
Payment Date: 03/16/2026 |
REPURCHASE DEMAND ACTIVITY (RULE 15Ga-1)
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Is there any activity to report? |
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No |
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STATEMENT TO NOTEHOLDERS
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Has there been a material change in practices with respect to charge-offs, collection and management of delinquent receivables, and the effect of any grace period, re-aging, re-structuring, partial payments or other practices on delinquency and loss experience? |
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No |
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Have there been any material modifications, extensions or waivers to receivables terms, fees, penalties or payments during the collection period? |
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No |
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Have there been any material breaches of representations, warranties or covenants contained in the receivables? |
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No |
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Has there been an issuance of notes or other securities backed by the receivables? |
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No |
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Has there been a material change in the underwriting, origination or acquisition of receivables? |
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No |
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SERVICER CERTIFICATION
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I hereby certify that the servicing report provided is true and accurate to the best of my knowledge. |
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/s/ Paul C. Honda |
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Paul C. Honda |
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Vice President and Treasurer |
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