Exhibit 99.1
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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Deal Age |
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2 |
Determination Date: 10/14/2026 |
Actual/360 Days |
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31 |
Record Date: 10/18/2026 |
30/360 Days |
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30 |
Payment Date: 10/19/2026 |
ORIGINAL DEAL PARAMETERS
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Dollar Amount |
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Number of Receivables |
Total Portfolio Balance |
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$2,159,251,282.38 |
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87,213 |
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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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$509,400,000.00 |
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23.59% |
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3.96400% |
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August 18, 2027 |
Class A-2a Notes |
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30/360 |
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$536,600,000.00 |
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24.85% |
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4.30000% |
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April 18, 2029 |
Class A-2b Notes |
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Actual/360 |
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$200,000,000.00 |
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9.26% |
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3.64917% |
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0.320% |
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3.96917% |
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April 18, 2029 |
Class A-3 Notes |
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30/360 |
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$736,400,000.00 |
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34.10% |
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4.52000% |
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February 18, 2031 |
Class A-4 Notes |
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30/360 |
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$122,870,000.00 |
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5.69% |
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4.62000% |
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November 18, 2032 |
Certificates |
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30/360 |
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$53,981,282.38 |
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2.50% |
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0.00000% |
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Total Securities Balance |
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$2,159,251,282.38 |
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Total Note Balance |
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$2,105,270,000.00 |
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Reserve Account Initial Deposit |
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$5,398,128.21 |
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Yield Supplement Account Deposit |
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$126,094,236.40 |
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COLLECTIONS
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Interest Collections |
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Simple Interest Collections |
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$8,317,258.58 |
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Interest Related to Repurchased Receivables |
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$0.00 |
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Interest Advance for simple Interest - Net * |
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$0.00 |
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Total Interest Collections |
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$8,317,258.58 |
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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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$46,872,998.24 |
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Prepayments in Full |
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$23,381,778.51 |
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Liquidation Proceeds |
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$110,294.34 |
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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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$496.99 |
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Total Principal Collections |
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$70,365,568.08 |
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Total Interest and Principal Collections |
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$78,682,826.66 |
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Yield Supplement Deposit |
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$6,248,226.77 |
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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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$84,931,053.43 |
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SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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Deal Age |
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2 |
Determination Date: 10/14/2026 |
Actual/360 Days |
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31 |
Record Date: 10/18/2026 |
30/360 Days |
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30 |
Payment Date: 10/19/2026 |
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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$1,672,945.91 |
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$1,672,945.91 |
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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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$1,220,933.80 |
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$1,220,933.80 |
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$0.00 |
Interest - Class A-2a Notes |
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$1,922,816.67 |
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$1,922,816.67 |
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$0.00 |
Interest - Class A-2b Notes |
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$683,579.28 |
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$683,579.28 |
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$0.00 |
Interest - Class A-3 Notes |
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$2,773,773.33 |
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$2,773,773.33 |
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$0.00 |
Interest - Class A-4 Notes |
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$473,049.50 |
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$473,049.50 |
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$0.00 |
Total Monthly Interest |
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$7,074,152.58 |
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$7,074,152.58 |
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$0.00 |
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Principal - Class A-1 Notes |
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$70,456,512.82 |
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$70,456,512.82 |
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$0.00 |
Principal - Class A-2a Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Class A-2b Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Class A-3 Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Class A-4 Notes |
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$0.00 |
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$0.00 |
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$0.00 |
Total Monthly Principal |
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$70,456,512.82 |
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$70,456,512.82 |
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$0.00 |
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Interest - Certificates |
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$0.00 |
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$0.00 |
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$0.00 |
Principal - Certificates |
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$0.00 |
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$0.00 |
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$0.00 |
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Available to Deposit |
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Reserve Deposit |
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Reserve Draw |
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Excess Released |
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Released to Seller |
Reserve Account Deposit |
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$5,727,442.12 |
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$0.00 |
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$0.00 |
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$0.00 |
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$5,727,442.12 |
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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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$0.77 |
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$1,672,945.91 |
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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$2.40 |
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$0.00 |
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$138.31 |
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$0.00 |
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$71,677,446.62 |
Class A-2a Notes |
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$3.58 |
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$0.00 |
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$0.00 |
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$0.00 |
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$1,922,816.67 |
Class A-2b 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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$683,579.28 |
Class A-3 Notes |
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$3.77 |
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$0.00 |
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$0.00 |
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$0.00 |
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$2,773,773.33 |
Class A-4 Notes |
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$3.85 |
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$0.00 |
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$0.00 |
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$0.00 |
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$473,049.50 |
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 2026-3 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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Deal Age |
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2 |
Determination Date: 10/14/2026 |
Actual/360 Days |
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31 |
Record Date: 10/18/2026 |
30/360 Days |
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30 |
Payment Date: 10/19/2026 |
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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$357,683,807.32 |
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0.7021669 |
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$287,227,294.50 |
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0.5638541 |
Class A-2a Notes |
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$0.00 |
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$0.00 |
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$536,600,000.00 |
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1.0000000 |
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$536,600,000.00 |
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1.0000000 |
Class A-2b Notes |
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$0.00 |
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$0.00 |
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$200,000,000.00 |
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1.0000000 |
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$200,000,000.00 |
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1.0000000 |
Class A-3 Notes |
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$0.00 |
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$0.00 |
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$736,400,000.00 |
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1.0000000 |
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$736,400,000.00 |
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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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$122,870,000.00 |
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1.0000000 |
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$122,870,000.00 |
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1.0000000 |
Certificates |
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$0.00 |
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$0.00 |
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$53,981,282.38 |
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1.0000000 |
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$53,981,282.38 |
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1.0000000 |
Total Securities |
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$2,007,535,089.70 |
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0.9297367 |
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$1,937,078,576.88 |
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0.8971066 |
Total Notes |
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$1,953,553,807.32 |
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0.9279350 |
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$1,883,097,294.50 |
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0.8944683 |
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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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4.94% |
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4.95% |
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4.95% |
Weighted Average Remaining Maturity (WAM) |
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50.65 |
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48.52 |
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47.65 |
Weighted Average Original Maturity (WAOM) |
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62.68 |
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Remaining Number of Receivables |
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87,213 |
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84,458 |
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83,148 |
Portfolio Receivable Balance |
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$2,159,251,282.38 |
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$2,007,535,089.70 |
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$1,937,078,576.88 |
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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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$201,736.07 |
Liquidation Proceeds |
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$110,294.34 |
Recoveries on Previously Defaulted Contracts |
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$496.99 |
Aggregate Net Losses for Collection Period |
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$90,944.74 |
Net Loss Rate for Collection Period's Average Balance (annualized) |
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0.06% |
Cumulative Net Losses for all Periods |
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$143,521.38 |
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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393 |
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0.47% |
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$9,752,532.14 |
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0.50% |
61-90 Days Delinquent |
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86 |
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0.10% |
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$2,035,538.37 |
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0.11% |
91-120 Days Delinquent |
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24 |
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0.03% |
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$580,241.00 |
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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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17 |
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0.02% |
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$546,977.07 |
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0.03% |
Total Accumulated Repossessed Vehicles in Inventory |
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27 |
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0.03% |
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$840,527.63 |
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0.04% |
SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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Deal Age |
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2 |
Determination Date: 10/14/2026 |
Actual/360 Days |
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31 |
Record Date: 10/18/2026 |
30/360 Days |
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30 |
Payment Date: 10/19/2026 |
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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0.00% |
Second Preceding Collection Period |
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0.00% |
Preceding Collection Period |
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0.03% |
Current Collection Period |
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0.06% |
Four Month Average |
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0.04% |
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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0.00% |
Preceding Collection Period |
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0.11% |
Current Collection Period |
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0.16% |
Three Month Average |
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0.14% |
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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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0.14% |
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Receivables that are 61 days or more delinquent as a percentage of Current Outstanding Balance of Receivables |
LOSS AND CUMULATIVE LOSS INFORMATION
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Current Month |
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Cumulative |
For Assets Experiencing a Loss: |
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Units |
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Amount |
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Units |
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Amount |
Gross Principal on Defaulted Receivables |
7 |
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$201,736.07 |
|
11 |
|
$330,362.27 |
Liquidation Proceeds and Recoveries on Defaulted Receivables |
5 |
|
$110,791.33 |
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8 |
|
$186,840.89 |
Net Loss Amount |
7 |
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$90,944.74 |
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11 |
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$143,521.38 |
Net Loss % of Average Portfolio Balance (Annualized) |
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0.06% |
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Cumulative Net Loss % of Initial Balance |
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0.01% |
Average Net Loss of Assets Experiencing a Loss |
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$13,047.40 |
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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$5,398,128.21 |
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Beginning Yield Supplement Account Balance |
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$110,330,642.63 |
Investment Earnings |
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$16,350.01 |
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Investment Earnings |
|
$359,113.73 |
Excess Interest Deposited into the Reserve Account |
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$0.00 |
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Additional Yield Supplement Amounts |
|
$0.00 |
Investment Withdrawal to Seller |
|
$(16,350.01) |
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Yield Supplement Withdrawal Amount |
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$(6,248,226.77) |
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 |
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$0.00 |
Ending Reserve Account Balance |
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$5,398,128.21 |
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Ending Yield Supplement Account Balance |
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$104,441,529.59 |
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Reserve Account Required Amount |
|
$5,398,128.21 |
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SERVICER’S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
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|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
Collection Period: September 1, 2026 through September 30, 2026 |
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|
Deal Age |
|
2 |
Determination Date: 10/14/2026 |
Actual/360 Days |
|
31 |
Record Date: 10/18/2026 |
30/360 Days |
|
30 |
Payment Date: 10/19/2026 |
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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