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: May 1, 2026 through May 31, 2026 |
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Deal Age |
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7 |
Determination Date: 06/10/2026 |
Actual/360 Days |
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31 |
Record Date: 06/14/2026 |
30/360 Days |
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30 |
Payment Date: 06/15/2026 |
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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3.99500% |
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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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4.04000% |
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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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3.64285% |
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0.380% |
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4.02285% |
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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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3.98000% |
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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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4.05000% |
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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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0.00000% |
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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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$7,737,666.44 |
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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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$7,737,666.44 |
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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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$52,454,593.94 |
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Prepayments in Full |
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$24,006,784.58 |
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Liquidation Proceeds |
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$677,391.07 |
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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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$128,131.31 |
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Total Principal Collections |
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$77,266,900.90 |
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Total Interest and Principal Collections |
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$85,004,567.34 |
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Yield Supplement Deposit |
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$4,964,843.26 |
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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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$89,969,410.60 |
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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: May 1, 2026 through May 31, 2026 |
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Deal Age |
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7 |
Determination Date: 06/10/2026 |
Actual/360 Days |
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31 |
Record Date: 06/14/2026 |
30/360 Days |
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30 |
Payment Date: 06/15/2026 |
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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$1,583,784.44 |
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$1,583,784.44 |
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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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$0.00 |
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$0.00 |
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$0.00 |
Interest - Class A-2a Notes |
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$1,825,845.83 |
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$1,825,845.83 |
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$0.00 |
Interest - Class A-2b Notes |
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$1,056,767.73 |
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$1,056,767.73 |
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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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$6,177,074.81 |
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$6,177,074.81 |
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$0.00 |
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Principal - Class A-1 Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Class A-2a Notes |
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$49,681,566.55 |
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$49,681,566.55 |
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$0.00 |
Principal - Class A-2b Notes |
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$27,945,881.19 |
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$27,945,881.19 |
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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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$77,627,447.74 |
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$77,627,447.74 |
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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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$4,581,103.61 |
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$0.00 |
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$0.00 |
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$0.00 |
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$4,581,103.61 |
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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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$0.64 |
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$1,583,784.44 |
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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$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 |
Class A-2a Notes |
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$3.32 |
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$0.00 |
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$90.26 |
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$0.00 |
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$51,507,412.38 |
Class A-2b Notes |
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$3.41 |
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$0.00 |
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$90.26 |
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$0.00 |
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$29,002,648.92 |
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: May 1, 2026 through May 31, 2026 |
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Deal Age |
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7 |
Determination Date: 06/10/2026 |
Actual/360 Days |
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31 |
Record Date: 06/14/2026 |
30/360 Days |
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30 |
Payment Date: 06/15/2026 |
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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$0.00 |
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0.0000000 |
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$0.00 |
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0.0000000 |
Class A-2a Notes |
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$0.00 |
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$0.00 |
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$542,330,445.34 |
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0.9853387 |
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$492,648,878.79 |
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0.8950743 |
Class A-2b Notes |
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$0.00 |
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$0.00 |
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$305,060,875.50 |
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0.9853387 |
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$277,114,994.31 |
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0.8950743 |
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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$1,900,541,322.36 |
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0.7653752 |
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$1,822,913,874.62 |
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0.7341135 |
Total Notes |
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$1,838,461,320.84 |
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0.7593590 |
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$1,760,833,873.10 |
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0.7272957 |
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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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4.98% |
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4.98% |
Weighted Average Remaining Maturity (WAM) |
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49.45 |
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43.32853678 |
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42.51 |
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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93,441 |
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91,595 |
Portfolio Receivable Balance |
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$2,483,150,001.52 |
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$1,900,541,322.36 |
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$1,822,913,874.62 |
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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$1,166,069.22 |
Liquidation Proceeds |
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$677,391.07 |
Recoveries on Previously Defaulted Contracts |
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$128,131.31 |
Aggregate Net Losses for Collection Period |
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$360,546.84 |
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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$2,813,838.22 |
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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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628 |
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0.69% |
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$13,156,969.07 |
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0.72% |
61-90 Days Delinquent |
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120 |
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0.13% |
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$2,556,557.62 |
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0.14% |
91-120 Days Delinquent |
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33 |
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0.04% |
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$683,113.07 |
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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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23 |
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0.03% |
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$586,751.66 |
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0.03% |
Total Accumulated Repossessed Vehicles in Inventory |
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50 |
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0.05% |
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$1,324,952.20 |
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0.07% |
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-4 Owner Trust |
Collection Period: May 1, 2026 through May 31, 2026 |
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Deal Age |
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7 |
Determination Date: 06/10/2026 |
Actual/360 Days |
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31 |
Record Date: 06/14/2026 |
30/360 Days |
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30 |
Payment Date: 06/15/2026 |
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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0.30% |
Second Preceding Collection Period |
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0.40% |
Preceding Collection Period |
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0.33% |
Current Collection Period |
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0.23% |
Four Month Average |
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0.32% |
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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0.20% |
Preceding Collection Period |
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0.21% |
Current Collection Period |
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0.22% |
Three Month Average |
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0.21% |
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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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0.18% |
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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 |
|
Units |
|
Amount |
Gross Principal on Defaulted Receivables |
43 |
|
$1,143,423.82 |
|
217 |
|
$5,777,072.86 |
Liquidation Proceeds and Recoveries on Defaulted Receivables |
64 |
|
$780,640.96 |
|
177 |
|
$2,952,600.10 |
Net Loss Amount |
43 |
|
$362,782.86 |
|
217 |
|
$2,824,472.76 |
Net Loss % of Average Portfolio Balance (Annualized) |
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|
0.23% |
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Cumulative Net Loss % of Initial Balance |
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0.11% |
Average Net Loss of Assets Experiencing a Loss |
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$13,016.00 |
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 |
|
$76,197,730.15 |
Investment Earnings |
|
$18,454.70 |
|
Investment Earnings |
|
$232,836.85 |
Excess Interest Deposited into the Reserve Account |
|
$0.00 |
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Additional Yield Supplement Amounts |
|
$0.00 |
Investment Withdrawal to Seller |
|
$(18,454.70) |
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Yield Supplement Withdrawal Amount |
|
$4,964,843.26 |
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 |
|
$71,465,723.74 |
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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: May 1, 2026 through May 31, 2026 |
|
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|
Deal Age |
|
7 |
Determination Date: 06/10/2026 |
Actual/360 Days |
|
31 |
Record Date: 06/14/2026 |
30/360 Days |
|
30 |
Payment Date: 06/15/2026 |
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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