Exhibit 99.1
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
Collection Period: May 1, 2026 through May 31, 2026 |
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Deal Age |
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10 |
Determination Date: 06/17/2026 |
Actual/360 Days |
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32 |
Record Date: 06/21/2026 |
30/360 Days |
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30 |
Payment Date: 06/22/2026 |
ORIGINAL DEAL PARAMETERS
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Dollar Amount |
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Number of Receivables |
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Total Portfolio Balance |
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$ |
2,483,149,121.84 |
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105,913 |
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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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$621,000,000.00 |
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25.01% |
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4.36200% |
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August 21, 2026 |
Class A-2a Notes |
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30/360 |
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$550,020,000.00 |
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22.15% |
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4.19000% |
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March 21, 2028 |
Class A-2b Notes |
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Actual/360 |
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$289,500,000.00 |
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11.66% |
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3.62113% |
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0.350% |
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3.97113% |
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March 21, 2028 |
Class A-3 Notes |
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30/360 |
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$839,520,000.00 |
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33.81% |
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4.04000% |
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February 21, 2030 |
Class A-4 Notes |
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30/360 |
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$121,030,000.00 |
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4.87% |
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4.10000% |
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November 21, 2031 |
Certificates |
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30/360 |
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$62,079,121.84 |
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2.50% |
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0.00000% |
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Total Securities Balance |
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$2,483,149,121.84 |
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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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$6,207,872.80 |
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Yield Supplement Account Deposit |
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$118,472,460.26 |
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COLLECTIONS
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Interest Collections |
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Simple Interest Collections |
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$6,926,734.31 |
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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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$6,926,734.31 |
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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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$49,260,232.06 |
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Prepayments in Full |
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$21,643,350.58 |
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Liquidation Proceeds |
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$533,315.46 |
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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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$71,937.06 |
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Total Principal Collections |
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$71,508,835.16 |
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Total Interest and Principal Collections |
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$78,435,569.47 |
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Yield Supplement Deposit |
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$4,272,812.64 |
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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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$82,708,382.11 |
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SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
Collection Period: May 1, 2026 through May 31, 2026 |
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Deal Age |
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10 |
Determination Date: 06/17/2026 |
Actual/360 Days |
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32 |
Record Date: 06/21/2026 |
30/360 Days |
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30 |
Payment Date: 06/22/2026 |
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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$1,395,594.41 |
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$1,395,594.41 |
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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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$1,491,708.16 |
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$1,491,708.16 |
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$0.00 |
Interest - Class A-2b Notes |
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$793,748.21 |
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$793,748.21 |
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$0.00 |
Interest - Class A-3 Notes |
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$2,826,384.00 |
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$2,826,384.00 |
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$0.00 |
Interest - Class A-4 Notes |
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$413,519.17 |
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$413,519.17 |
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$0.00 |
Total Monthly Interest |
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$5,525,359.54 |
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$5,525,359.54 |
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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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$47,104,820.01 |
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$47,104,820.01 |
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$0.00 |
Principal - Class A-2b Notes |
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$24,793,362.78 |
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$24,793,362.78 |
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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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$71,898,182.79 |
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$71,898,182.79 |
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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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$3,889,245.37 |
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$0.00 |
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$0.00 |
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$0.00 |
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$3,889,245.37 |
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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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$0.56 |
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$1,395,594.41 |
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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$2.71 |
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$0.00 |
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$85.64 |
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$0.00 |
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$48,596,528.17 |
Class A-2b Notes |
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$2.74 |
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$0.00 |
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$85.64 |
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$0.00 |
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$25,587,110.99 |
Class A-3 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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$2,826,384.00 |
Class A-4 Notes |
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$3.42 |
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$0.00 |
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$0.00 |
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$0.00 |
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$413,519.17 |
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 2025-3 Owner Trust |
Collection Period: May 1, 2026 through May 31, 2026 |
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Deal Age |
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10 |
Determination Date: 06/17/2026 |
Actual/360 Days |
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32 |
Record Date: 06/21/2026 |
30/360 Days |
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30 |
Payment Date: 06/22/2026 |
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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$427,219,521.39 |
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0.7767345 |
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$380,114,701.38 |
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0.6910925 |
Class A-2b Notes |
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$0.00 |
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$0.00 |
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$224,864,643.91 |
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0.7767345 |
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$200,071,281.13 |
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0.6910925 |
Class A-3 Notes |
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$0.00 |
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$0.00 |
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$839,520,000.00 |
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1.0000000 |
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$839,520,000.00 |
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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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$121,030,000.00 |
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1.0000000 |
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$121,030,000.00 |
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1.0000000 |
Certificates |
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$0.00 |
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$0.00 |
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$62,079,121.84 |
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1.0000000 |
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$62,079,121.84 |
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1.0000000 |
Total Securities |
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$1,674,713,287.14 |
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0.6744312 |
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$1,602,815,104.35 |
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0.6454768 |
Total Notes |
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$1,612,634,165.30 |
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0.6660832 |
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$1,540,735,982.51 |
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0.6363864 |
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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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4.97% |
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5.06% |
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5.07% |
Weighted Average Remaining Maturity (WAM) |
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49.36 |
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40.77557161 |
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39.98 |
Weighted Average Original Maturity (WAOM) |
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61.91 |
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Remaining Number of Receivables |
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105,913 |
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88,500 |
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86,602 |
Portfolio Receivable Balance |
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$2,483,149,121.84 |
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$1,674,713,287.14 |
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$1,602,815,104.35 |
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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$994,600.15 |
Liquidation Proceeds |
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$533,315.46 |
Recoveries on Previously Defaulted Contracts |
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$71,937.06 |
Aggregate Net Losses for Collection Period |
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$389,347.63 |
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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$3,896,327.52 |
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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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521 |
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0.60% |
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$11,433,277.62 |
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0.71% |
61-90 Days Delinquent |
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125 |
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0.14% |
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$2,790,699.65 |
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0.17% |
91-120 Days Delinquent |
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35 |
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0.04% |
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$689,863.20 |
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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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38 |
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0.04% |
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$988,245.61 |
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0.06% |
Total Accumulated Repossessed Vehicles in Inventory |
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61 |
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0.07% |
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$1,634,844.71 |
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0.10% |
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
Collection Period: May 1, 2026 through May 31, 2026 |
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Deal Age |
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10 |
Determination Date: 06/17/2026 |
Actual/360 Days |
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32 |
Record Date: 06/21/2026 |
30/360 Days |
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30 |
Payment Date: 06/22/2026 |
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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0.24% |
Second Preceding Collection Period |
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0.37% |
Preceding Collection Period |
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0.25% |
Current Collection Period |
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0.29% |
Four Month Average |
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0.28% |
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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0.22% |
Preceding Collection Period |
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0.22% |
Current Collection Period |
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0.26% |
Three Month Average |
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0.23% |
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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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0.22% |
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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: |
|
Units |
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Amount |
|
Units |
|
Amount |
Gross Principal on Defaulted Receivables |
36 |
|
$914,668.74 |
|
330 |
|
$8,961,755.60 |
Liquidation Proceeds and Recoveries on Defaulted Receivables |
49 |
|
$522,063.54 |
|
289 |
|
$5,053,026.56 |
Net Loss Amount |
36 |
|
$392,605.20 |
|
330 |
|
$3,908,729.04 |
Net Loss % of Average Portfolio Balance (Annualized) |
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0.29% |
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Cumulative Net Loss % of Initial Balance |
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0.16% |
Average Net Loss of Assets Experiencing a Loss |
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$11,844.63 |
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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$6,207,872.80 |
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Beginning Yield Supplement Account Balance |
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$62,406,435.21 |
Investment Earnings |
|
$18,617.67 |
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Investment Earnings |
|
$195,212.87 |
Excess Interest Deposited into the Reserve Account |
|
$0.00 |
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Additional Yield Supplement Amounts |
|
$0.00 |
Investment Withdrawal to Seller |
|
$(18,617.67) |
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Yield Supplement Withdrawal Amount |
|
$4,272,812.64 |
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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$6,207,872.80 |
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Ending Yield Supplement Account Balance |
|
$58,328,835.44 |
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Reserve Account Required Amount |
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$6,207,872.80 |
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SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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|
|
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
Collection Period: May 1, 2026 through May 31, 2026 |
|
|
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|
|
Deal Age |
|
10 |
Determination Date: 06/17/2026 |
Actual/360 Days |
|
32 |
Record Date: 06/21/2026 |
30/360 Days |
|
30 |
Payment Date: 06/22/2026 |
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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