Exhibit 99.1
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-1 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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Deal Age |
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8 |
Determination Date: 10/16/2026 |
Actual/360 Days |
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30 |
Record Date: 10/20/2026 |
30/360 Days |
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30 |
Payment Date: 10/21/2026 |
ORIGINAL DEAL PARAMETERS
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Dollar Amount |
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Number of Receivables |
Total Portfolio Balance |
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$2,483,131,904.21 |
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101,438 |
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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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$604,800,000.00 |
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24.36% |
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3.81700% |
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February 22, 2027 |
Class A-2a Notes |
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30/360 |
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$505,000,000.00 |
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20.34% |
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3.71000% |
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September 21, 2028 |
Class A-2b Notes |
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Actual/360 |
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$333,500,000.00 |
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13.43% |
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3.64783% |
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0.340% |
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3.98783% |
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September 21, 2028 |
Class A-3 Notes |
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30/360 |
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$838,500,000.00 |
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33.77% |
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3.78000% |
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September 23, 2030 |
Class A-4 Notes |
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30/360 |
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$139,253,000.00 |
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5.61% |
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3.86000% |
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May 21, 2032 |
Certificates |
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30/360 |
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$62,078,904.21 |
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2.50% |
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0.00000% |
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Total Securities Balance |
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$2,483,131,904.21 |
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Total Note Balance |
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$2,421,053,000.00 |
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Reserve Account Initial Deposit |
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$6,207,829.76 |
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Yield Supplement Account Deposit |
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$101,670,710.79 |
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COLLECTIONS
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Interest Collections |
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Simple Interest Collections |
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$7,697,390.25 |
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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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$7,697,390.25 |
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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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$50,124,662.01 |
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Prepayments in Full |
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$21,279,455.29 |
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Liquidation Proceeds |
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$536,506.82 |
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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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$88,869.47 |
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Total Principal Collections |
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$72,029,493.59 |
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Total Interest and Principal Collections |
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$79,726,883.84 |
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Yield Supplement Deposit |
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$3,960,437.37 |
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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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$83,687,321.21 |
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SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-1 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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Deal Age |
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8 |
Determination Date: 10/16/2026 |
Actual/360 Days |
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30 |
Record Date: 10/20/2026 |
30/360 Days |
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30 |
Payment Date: 10/21/2026 |
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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$1,515,868.95 |
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$1,515,868.95 |
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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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$1,450,894.92 |
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$1,450,894.92 |
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$0.00 |
Interest - Class A-2b Notes |
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$1,029,919.18 |
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$1,029,919.18 |
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$0.00 |
Interest - Class A-3 Notes |
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$2,641,275.00 |
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$2,641,275.00 |
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$0.00 |
Interest - Class A-4 Notes |
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$447,930.48 |
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$447,930.48 |
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$0.00 |
Total Monthly Interest |
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$5,570,019.58 |
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$5,570,019.58 |
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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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$43,683,958.27 |
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$43,683,958.27 |
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$0.00 |
Principal - Class A-2b Notes |
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$28,848,713.03 |
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$28,848,713.03 |
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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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$72,532,671.30 |
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$72,532,671.30 |
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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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$4,068,761.38 |
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$0.00 |
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$0.00 |
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$0.00 |
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$4,068,761.38 |
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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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$0.61 |
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$1,515,868.95 |
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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$2.87 |
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$0.00 |
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$86.50 |
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$0.00 |
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$45,134,853.19 |
Class A-2b Notes |
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$3.09 |
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$0.00 |
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$86.50 |
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$0.00 |
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$29,878,632.21 |
Class A-3 Notes |
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$3.15 |
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$0.00 |
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$0.00 |
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$0.00 |
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$2,641,275.00 |
Class A-4 Notes |
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$3.22 |
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$0.00 |
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$0.00 |
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$0.00 |
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$447,930.48 |
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 2026-1 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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Deal Age |
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8 |
Determination Date: 10/16/2026 |
Actual/360 Days |
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30 |
Record Date: 10/20/2026 |
30/360 Days |
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30 |
Payment Date: 10/21/2026 |
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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$469,292,157.64 |
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0.9292914 |
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$425,608,199.37 |
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0.8427885 |
Class A-2b Notes |
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$0.00 |
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$0.00 |
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$309,918,682.32 |
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0.9292914 |
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$281,069,969.29 |
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0.8427885 |
Class A-3 Notes |
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$0.00 |
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$0.00 |
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$838,500,000.00 |
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1.0000000 |
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$838,500,000.00 |
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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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$139,253,000.00 |
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1.0000000 |
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$139,253,000.00 |
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1.0000000 |
Certificates |
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$0.00 |
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$0.00 |
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$62,078,904.21 |
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1.0000000 |
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$62,078,904.21 |
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1.0000000 |
Total Securities |
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$1,819,042,744.17 |
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0.7325599 |
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$1,746,510,072.87 |
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0.7033497 |
Total Notes |
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$1,756,963,839.96 |
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0.7257023 |
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$1,684,431,168.66 |
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0.6957432 |
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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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5.00% |
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5.06% |
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5.06% |
Weighted Average Remaining Maturity (WAM) |
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50.35 |
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43.42 |
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42.62 |
Weighted Average Original Maturity (WAOM) |
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61.64 |
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Remaining Number of Receivables |
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101,438 |
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87,852 |
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86,144 |
Portfolio Receivable Balance |
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$2,483,131,904.21 |
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$1,819,042,744.17 |
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$1,746,510,072.87 |
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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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$1,128,554.00 |
Liquidation Proceeds |
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$536,506.82 |
Recoveries on Previously Defaulted Contracts |
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$88,869.47 |
Aggregate Net Losses for Collection Period |
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$503,177.71 |
Net Loss Rate for Collection Period's Average Balance (annualized) |
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0.34% |
Cumulative Net Losses for all Periods |
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$2,793,469.07 |
DELINQUENCY AND NET LOSS ACTIVITY
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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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479 |
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0.56% |
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$11,146,409.14 |
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0.64% |
61-90 Days Delinquent |
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120 |
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0.14% |
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$2,705,700.16 |
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0.15% |
91-120 Days Delinquent |
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27 |
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0.03% |
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$440,694.75 |
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0.03% |
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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27 |
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0.03% |
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$793,354.97 |
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0.05% |
Total Accumulated Repossessed Vehicles in Inventory |
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50 |
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0.06% |
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$1,535,756.96 |
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0.09% |
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-1 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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Deal Age |
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8 |
Determination Date: 10/16/2026 |
Actual/360 Days |
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30 |
Record Date: 10/20/2026 |
30/360 Days |
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30 |
Payment Date: 10/21/2026 |
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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0.28% |
Second Preceding Collection Period |
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0.36% |
Preceding Collection Period |
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0.26% |
Current Collection Period |
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0.34% |
Four Month Average |
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0.31% |
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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0.17% |
Preceding Collection Period |
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0.23% |
Current Collection Period |
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0.23% |
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 |
39 |
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$1,104,898.05 |
|
221 |
|
$6,131,124.36 |
Liquidation Proceeds and Recoveries on Defaulted Receivables |
52 |
|
$601,077.07 |
|
184 |
|
$3,333,329.85 |
Net Loss Amount |
39 |
|
$503,820.98 |
|
221 |
|
$2,797,794.51 |
Net Loss % of Average Portfolio Balance (Annualized) |
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|
0.34% |
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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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$12,659.70 |
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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$6,207,829.76 |
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Beginning Yield Supplement Account Balance |
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$61,250,850.36 |
Investment Earnings |
|
$18,818.75 |
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Investment Earnings |
|
$192,388.41 |
Excess Interest Deposited into the Reserve Account |
|
$0.00 |
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Additional Yield Supplement Amounts |
|
$0.00 |
Investment Withdrawal to Seller |
|
$(18,818.75) |
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Yield Supplement Withdrawal Amount |
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$(3,960,437.37) |
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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$6,207,829.76 |
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Ending Yield Supplement Account Balance |
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$57,482,801.40 |
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Reserve Account Required Amount |
|
$6,207,829.76 |
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SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-1 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
|
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Deal Age |
|
8 |
Determination Date: 10/16/2026 |
Actual/360 Days |
|
30 |
Record Date: 10/20/2026 |
30/360 Days |
|
30 |
Payment Date: 10/21/2026 |
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/ Michi Rey |
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Ms. Michiko Yamasaki Rey |
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Secretary, American Honda Receivables |
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