# EDGAR Filing Document

**Accession Number:** 0001133438
**File Stem:** 0001193125-25-245176
**Filing Date:** 2025-10
**Character Count:** 23886
**Document Hash:** 580efbf37d02d9d8315504f82c65b15d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-245176.hdr.sgml**: 20251021

**ACCESSION NUMBER**: 0001193125-25-245176

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20251021

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20251021

**DATE AS OF CHANGE**: 20251021

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Capital One Auto Receivables LLC
- **CENTRAL INDEX KEY:** 0001133438
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 311750007
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04552
- **FILM NUMBER:** 251407304

**BUSINESS ADDRESS:**
- **STREET 1:** 1600 CAPITAL ONE DRIVE
- **STREET 2:** ROOM 27907B
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 804.290.6736

**MAIL ADDRESS:**
- **STREET 1:** 1600 CAPITAL ONE DRIVE
- **STREET 2:** ROOM 27907B
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CAPITAL ONE AUTO RECEIVABLES LLC
- **DATE OF NAME CHANGE:** 20010130
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Capital One Auto Receivables LLC
- **CENTRAL INDEX KEY:** 0001133438
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 311750007
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 1600 CAPITAL ONE DRIVE
- **STREET 2:** ROOM 27907B
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 804.290.6736

**MAIL ADDRESS:**
- **STREET 1:** 1600 CAPITAL ONE DRIVE
- **STREET 2:** ROOM 27907B
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CAPITAL ONE AUTO RECEIVABLES LLC
- **DATE OF NAME CHANGE:** 20010130
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Capital One Auto Receivables LLC
- **CENTRAL INDEX KEY:** 0001133438
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 311750007
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04552

**BUSINESS ADDRESS:**
- **STREET 1:** 1600 CAPITAL ONE DRIVE
- **STREET 2:** ROOM 27907B
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 804.290.6736

**MAIL ADDRESS:**
- **STREET 1:** 1600 CAPITAL ONE DRIVE
- **STREET 2:** ROOM 27907B
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CAPITAL ONE AUTO RECEIVABLES LLC
- **DATE OF NAME CHANGE:** 20010130

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

**Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:** 

☐ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _________ to _________** 

**(Exact name of securitizer as specified in its charter)** 

**Date of Report (Date of earliest event reported)<u> </u>** 

**Commission File Number of securitizer:<u> </u>** 

**Central Index Key Number of securitizer:<u> </u>** 

**Name and telephone number, including area code, of the person to** 

**contact in connection with this filing.** 

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒ **Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)** 

**Capital One Prime Auto Receivables Trust 2025-1** 

**(Exact name of issuing entity as specified in its charter)** 

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| | |
|:---|:---|
| Central Index Key Number of depositor: | 0001133438 |
| Central Index Key Number of issuing entity (if applicable): | 0002089663 |
| Central Index Key Number of underwriter (if applicable): | Not applicable |

---

**Eric D. Bauder, (703) 720-3148** 

**Name and telephone number, including area code, of the person to** 

**contact in connection with this filing.** 

------

**PART II - FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS** 

**Item 2.01 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Issuer** 

Attached as Exhibit 99.1 hereto is the Report of Independent Accountants on Applying Agreed-Upon Procedures, dated October 20, 2025, with respect to certain agreed-upon procedures performed by Ernst & Young LLP.

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**SIGNATURES** 

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: October 21, 2025

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| | |
|:---|:---|
| **CAPITAL ONE AUTO RECEIVABLES, LLC** | **CAPITAL ONE AUTO RECEIVABLES, LLC** |
| (Depositor) | (Depositor) |
| By: | /s/ Franco Harris |
| Name: | Franco Harris |
| Title: | President |
|  | (senior officer in charge of securitization) |

---

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**EXHIBIT INDEX** 

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| | |
|:---|:---|
| **Exhibit 99.1** | Report of Independent Accountants on Applying Agreed-Upon Procedures, dated October 20, 2025. |

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## Exhibit 99.1

**Exhibit 99.1** 

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| | | |
|:---|:---|:---|
| ![LOGO](g16542g67m71.jpg) | Ernst & Young LLP<br> One Manhattan West<br> New York, NY 10001 | Tel: +1 212 773 3000<br> ey.com |

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**Report of Independent Accountants on Applying Agreed-Upon Procedures** 

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| | |
|:---|:---|
| Capital One Auto Receivables, LLC (the "Depositor") | 20 October 2025 |
| 1600 Capital One Drive, Room 27907B |  |
| McLean, Virginia 22102 |  |
| Capital One, National Association (the "Sponsor") |  |
| 1680 Capital One Drive |  |
| McLean, Virginia 22102 |  |

---

---

| | |
|:---|:---|
| **Re:** | **Capital One Prime Auto Receivables Trust 2025-1 (the "Issuing Entity")**  |

---

**Asset-Backed Notes (the "Notes")** 

**Sample Receivable Agreed-Upon Procedures** 

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Depositor, Sponsor, J.P. Morgan Securities LLC, BofA Securities, Inc. and Scotia Capital (USA) Inc. (collectively, the "Specified Parties"), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a pool of motor vehicle retail installment sale contracts secured by new and used automobiles, SUVs, light-duty trucks and vans (the "Receivables") relating to the Issuing Entity's securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

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|:---|:---|
| ![LOGO](g16542g67m71.jpg) | Page 2 of 4 |

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For the purpose of the procedures described in this report, the Sponsor, on behalf of the Depositor, provided us with, or instructed us to obtain, as applicable:

a. Electronic data files:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Labeled "COPAR 2025-1 Eligible Loan IDs_v1 (20250925 for EY).xlsx" and the corresponding record
layout and decode information, as applicable (the "Receivable Listing File"), that the Sponsor, on behalf of the Depositor, indicated contains a list of loan IDs (each, a "Loan ID") that correspond to certain motor vehicle
retail installment sale contracts secured by new and used automobiles, SUVs, light-duty trucks and vans (the "Preliminary Receivables") that are expected to be representative of the Receivables and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Labeled "EY Loans COPAR 2025-1 250831 Data Tape (To Send 251003)_v1.xlsx" and the corresponding
record layout and decode information, as applicable (the "Sample Data File"), that the Sponsor, on behalf of the Depositor, indicated contains information relating to the Sample Receivables (as defined in Attachment A) as of 31 August
2025 (the "Preliminary Cut-off Date"),

b. Imaged copies of the following items (collectively, the "Source Documents"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The retail installment sale contract or other related documents (collectively and as applicable, the
"Contract"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Certain printed screen shots and account summary information from the Sponsor's loan servicing system
(the "System Screen Shots") and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The vehicle invoice or other related documents (collectively and as applicable, the "Invoice") that
the Sponsor, on behalf of the Depositor, indicated relate to the Sample Receivables, as applicable,

c. A schedule (the "Obligor Credit Score Methodology") that the Sponsor, on behalf of the Depositor,
indicated contains information, assumptions and methodologies relating to the comparison or recalculation, as applicable, of the obligor credit score Sample Characteristic (as defined herein) for certain Sample Receivables,

d. The list of relevant characteristics (the "Sample Characteristics") on the Sample Data File, which
is shown on Exhibit 1 to Attachment A, and

e. Instructions, assumptions and methodologies, which are described in Attachment A.

For the purpose of the procedures described in this report, certain information contained on the Sample Data File is the "Subject Matter" as of the date of this report.

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| | |
|:---|:---|
| ![LOGO](g16542g67m71.jpg) | Page 3 of 4 |

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The procedures included in Attachment A were limited to comparing, recalculating or observing, as applicable, certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Receivable Listing File, Sample Data File, Source Documents, Obligor Credit Score Methodology, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Receivable Listing File, Source Documents, Obligor Credit Score Methodology or any other information provided to us, or that we were instructed to obtain, as applicable, by the Sponsor, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Preliminary Receivables or Receivables, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by the Sponsor, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The agreed-upon procedures described in this report were not performed for the purpose of:

a. Satisfying any criteria for due diligence published by a nationally recognized statistical rating organization
(a "rating agency") or

b. Making any findings with respect to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Whether the origination of the Receivables conformed to, or deviated from, stated underwriting or credit
extension guidelines, standards, criteria or other requirements,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The value of the collateral securing the Receivables,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Whether the originator(s) of the Receivables complied with federal, state or local laws or regulations or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Any other factor or characteristic of the Receivables that would be material to the likelihood that the issuer
of the Notes will pay interest and principal in accordance with applicable terms and conditions.

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|:---|:---|
| ![LOGO](g16542g67m71.jpg) | Page 4 of 4 |

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We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable, for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

20 October 2025

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| | |
|:---|:---|
| ![LOGO](g16542g67m71.jpg) | Attachment A |

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**<u>Procedures performed and our associated findings</u>**

1. As instructed by the Sponsor, on behalf of the Depositor, we randomly selected a sample of 125 Preliminary
Receivables from the Receivable Listing File (the "Sample Receivables"). For the purpose of this procedure, the Sponsor, on behalf of the Depositor, did not inform us as to the basis for how they determined the number of Sample
Receivables or the methodology they instructed us to use to select the Sample Receivables from the Receivable Listing File.

For the purpose of the procedures described in this report, the 125 Sample Receivables are referred to as Sample Receivable Numbers 1 through 125.

2. For each Sample Receivable, we:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Compared the Sample Characteristics listed on Exhibit 1 to Attachment A, as shown on the Sample Data File, to
the corresponding information located in, or to the corresponding information we recalculated using information located in, the Source Documents, subject to the instructions, assumptions and methodologies provided by the Sponsor, on behalf of the
Depositor, described in the notes to Exhibit 1 to Attachment A. The Source Document(s) that we were instructed by the Sponsor, on behalf of the Depositor, to use for each Sample Characteristic are shown on Exhibit 1 to Attachment A. Except for the
information shown on Exhibit 2 to Attachment A, all such compared information was found to be in agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Observed that the corresponding Contract contained a signature in the buyer signature section of such Contract.
We performed no procedures to determine the validity of the signature contained in the buyer signature section of such Contract.

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**Exhibit 1 to Attachment A** 

Page 1 of 3

**<u>Sample Characteristics and Source Documents</u>**

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| | | |
|:---|:---|:---|
| **Sample Characteristic** | **Sample Data**<br> **File Field Name** | **Source Document(s)** |
| Loan ID | LOAN_ACCT_ID | System Screen Shots |
| Funding date | FUNDING_DATE | System Screen Shots |
| Original loan amount | ORIG_BAL | Contract |
| Original first payment date | FIRST_PAY_DATE | Contract |
| Original loan term | ORIG_TERM | Contract, System Screen Shots and recalculation |
| Current maturity date | CURRENT_MATURITY_DATE | System Screen Shots |
| Original interest rate | ORIGINAL_APR | Contract |
| Vehicle manufacturer | MAKE | Contract |
| Vehicle model | MODEL | Contract |
| Vehicle year | VEH_YEAR | Contract |
| New or used | NEW_USED | Contract |
| Vehicle value | VEHICLE_VALUE | (a) Contract and System Screen Shots or |
|  |  | (b) Contract and Invoice |
| Obligor credit score | FICO | (a) System Screen Shots or |
|  |  | (b) System Screen Shots and recalculation |
| Current geographic location of obligor | STATE | System Screen Shots |
| Remaining term to maturity | REMAINING_TERM | System Screen Shots and recalculation |
| Reporting period interest rate | CURRENT_PERIOD_RATE | System Screen Shots |
| Reporting period ending actual balance | CURRENT_BAL | System Screen Shots |

---

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**Exhibit 1 to Attachment A** 

Page 2 of 3

**<u>Notes</u>:** 

i. The Loan ID Sample Characteristic is for identification purposes only.

ii. For the purpose of comparing the original loan amount Sample Characteristic, the Sponsor, on behalf of the
Depositor, instructed us to ignore differences of +/- $0.05 or less.

iii. For the purpose of comparing the original loan term Sample Characteristic, the Sponsor, on behalf of the
Depositor, instructed us to recalculate the original loan term by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Calculating the original maturity date (the "Original Maturity Date") by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Subtracting one from the number of payments in the payment schedule, as shown in the Contract, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Adding the result (in months) obtained in (1) above to the original first payment date, as shown in the
Contract,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Calculating the difference in months between the funding date, as shown in the System Screen Shots, and
Original Maturity Date, as calculated in a. above, assuming both the funding date and Original Maturity Date occurred on the first day of the applicable month, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Adding 1 to the result obtained in b. above if the day of the Original Maturity Date, as calculated in a.
above, is after the day of the funding date, as shown in the System Screen Shots.

iv. The Sponsor, on behalf of the Depositor, indicated that certain of the System Screen Shots contained account
activity that occurred after the Preliminary Cut-off Date. For the purpose of comparing the current maturity date Sample Characteristic, the Sponsor, on behalf of the Depositor, instructed us to only consider account activity that occurred on or
prior to the Preliminary Cut-off Date.

v. For the purpose of comparing the vehicle manufacturer and vehicle model Sample Characteristics, the Sponsor, on
behalf of the Depositor, instructed us to ignore differences that appear to be due to abbreviations, truncations, spelling errors and general vehicle descriptors.

vi. For the purpose of comparing the new or used Sample Characteristic, the Sponsor, on behalf of the Depositor,
instructed us to note agreement if the new or used value, as shown on the Sample Data File, agreed with the corresponding new or used value, as show on the corresponding Contract, in accordance with the decode table shown below:

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| | |
|:---|:---|
| **Sample Data File Value** | **Contract Value** |
| 1 | New |
| 2 | Used |

---

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**Exhibit 1 to Attachment A** 

Page 3 of 3

vii. For the purpose of comparing the vehicle value Sample Characteristic for each Sample Receivable with a new or
used value of "Used," as shown in the Contract,

the Sponsor, on behalf of the Depositor, instructed us to use the System Screen Shots as the Source Document.

For the purpose of comparing the vehicle value Sample Characteristic for each Sample Receivable with a:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. New or used value of "New" and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Vehicle year value of "2023," "2024" or "2025,"

both as shown in the Contract, the Sponsor, on behalf of the Depositor, instructed us to use the Invoice as the Source Document.

For the purpose of comparing the vehicle value Sample Characteristic for the remaining Sample Receivables, the Sponsor, on behalf of the Depositor, instructed us to use the System Screen Shots as the Source Document.

viii. For the purpose of comparing the vehicle value Sample Characteristic, the Sponsor, on behalf of the Depositor,
instructed us to ignore differences of +/- $1.00 or less.

ix. For the purpose of comparing the obligor credit score Sample Characteristic, the Sponsor, on behalf of the
Depositor, instructed us to compare or recalculate the obligor credit score (as applicable) using:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Information in the System Screen Shots and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The Obligor Credit Score Methodology.

x. For the purpose of comparing the remaining term to maturity Sample Characteristic, the Sponsor, on behalf of
the Depositor, instructed us to recalculate the remaining term to maturity as the difference in months between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current maturity date, as shown in the System Screen Shots, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Preliminary Cut-off Date,

assuming both the current maturity date and Preliminary Cut-off Date occurred on the first day of the applicable month.

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions, and methodologies provided by the Sponsor, on behalf of the Depositor, described in the notes above.

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**Exhibit 2 to Attachment A** 

**<u>Sample Characteristic Difference</u>**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Sample**<br> **Receivable Number** | **Sample**<br>**Characteristic** | **Sample**<br>**Characteristic** | **Sample**<br> **Data File Value**  | **Source**<br> **Document Value**  |
|  39 |  | Obligor credit score | 823 | 834 |

---