# EDGAR Filing Document

**Accession Number:** 0001986424
**File Stem:** 0001193125-26-131067
**Filing Date:** 2026-3
**Character Count:** 61710
**Document Hash:** 71d66cd43000dc064f6e33ac933aca17
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-131067.hdr.sgml**: 20260330

**ACCESSION NUMBER**: 0001193125-26-131067

**CONFORMED SUBMISSION TYPE**: 10-K

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260330

**DATE AS OF CHANGE**: 20260330

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Fifth Third Auto Trust 2023-1
- **CENTRAL INDEX KEY:** 0001986424
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-267774-01
- **FILM NUMBER:** 26811644

**BUSINESS ADDRESS:**
- **STREET 1:** 1701 GOLF ROAD, TOWER 1, 9TH FLOOR
- **CITY:** ROLLING MEADOWS
- **STATE:** IL
- **ZIP:** 60008
- **BUSINESS PHONE:** 847-354-7341

**MAIL ADDRESS:**
- **STREET 1:** 1701 GOLF ROAD, TOWER 1, 9TH FLOOR
- **CITY:** ROLLING MEADOWS
- **STATE:** IL
- **ZIP:** 60008
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Fifth Third Holdings Funding, LLC
- **CENTRAL INDEX KEY:** 0001405332
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352301537
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-144316
- **FILM NUMBER:** 26811645

**BUSINESS ADDRESS:**
- **STREET 1:** 1701 GOLF ROAD, TOWER 1, 9TH FLOOR
- **CITY:** ROLLING MEADOWS
- **STATE:** IL
- **ZIP:** 60008
- **BUSINESS PHONE:** 847-354-7341

**MAIL ADDRESS:**
- **STREET 1:** 1701 GOLF ROAD, TOWER 1, 9TH FLOOR
- **CITY:** ROLLING MEADOWS
- **STATE:** IL
- **ZIP:** 60008

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM 10-K** 

**(Mark One)** 

☒ **ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934** 

**For the fiscal year ended December 31, 2025.** 

**or** 

☐ **TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934** 

**For the transition period from to** 

## Fifth Third Auto Trust 2023-1
**(Exact name of issuing entity as specified in its charter)** 

**Commission File Number of Issuing Entity: 333-267774-01** 

**Central Index Key Number of Issuing Entity: 0001986424** 

## Fifth Third Holdings Funding, LLC
**(Exact name of depositor as specified in its charter)** 

**Commission File Number of Depositor: 333-267774** 

**Central Index Key Number of Depositor: 0001405332** 

## Fifth Third Bank, National Association
**(Exact name of sponsor as specified in its charter)** 

**Central Index Key Number of Sponsor: 0000035528** 

**Delaware** 

**(State or other jurisdiction of incorporation or organization of the issuing entity)** 

**36-7706841** 

**(I.R.S. Employer Identification No. of issuing entity)** 

**c/o Fifth Third Holdings Funding, LLC** 

**6111 North River Road** 

**Rosemont, Illinois** 

**60018** 

**(847) 354-7341** 

**(Address and telephone number of principal executive office of issuing entity)** 

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

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| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| **None** | **None** | **None** |

---

**Securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934: None** 

Indicate by check mark if the registrant is a well-known seasoned issuer (as defined in Rule 405 of the Securities Act). ☐ Yes ☒ No

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Securities Exchange Act. ☐ Yes ☒ No

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulations S-T (§ 232.405) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

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| | | | |
|:---|:---|:---|:---|
| Large accelerated filer: | ☐ | Accelerated filer: | ☐ |
| Non-accelerated filer: | ☒ | Smaller reporting company: | ☐ |
|  |  | Emerging growth company: | ☐ |

---

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☐

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). ☐ Yes ☒ No

State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.

**Registrant does not have any voting or non-voting common equity outstanding held by non-affiliates, has not been involved in bankruptcy proceedings during the past five years and is not a corporate registrant.** 

**Documents Incorporated by Reference. See Exhibit Index.** 

------

**PART I** 

**THE FOLLOWING ITEMS HAVE BEEN OMITTED IN ACCORDANCE WITH GENERAL INSTRUCTION J TO FORM 10-K:** 

(a) **Item 1. Business.** 

(b) **Item 1A. Risk Factors and Item 1C. Cybersecurity.** 

(c) **Item 2. Properties.** 

(d) **Item 3. Legal Proceedings.** 

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| | |
|:---|:---|
| **Item 1B.** | **Unresolved Staff Comments.**  |

---

Not applicable.

**Item 4.** **Mine Safety Disclosures.** <br>

Not applicable.

**PART II** 

**THE FOLLOWING ITEMS HAVE BEEN OMITTED IN ACCORDANCE WITH GENERAL INSTRUCTION J TO FORM 10-K:** 

**Item 5.** **Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.** <br>

**Item 6.** **[Reserved.]** <br>

**Item 7.** **Management's Discussion and Analysis of Financial Condition and Results of Operations.** <br>

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| | |
|:---|:---|
| **Item 7A.** | **Quantitative and Qualitative Disclosures About Market Risk.**  |

---

**Item 8.** **Financial Statements and Supplementary Data.** <br>

**Item 9.** **Changes in and Disagreements With Accountants on Accounting and Financial Disclosure.** <br>

---

| | |
|:---|:---|
| **Item 9A.** | **Controls and Procedures.**  |

---

---

| | |
|:---|:---|
| **Item 9B.** | **Other Information.**  |

---

None.

---

| | |
|:---|:---|
| **Item 9C.** | **Disclosure Regarding Foreign Jurisdictions that Prevent Inspections.**  |

---

Not applicable.

------

**PART III** 

**THE FOLLOWING ITEMS HAVE BEEN OMITTED IN ACCORDANCE WITH GENERAL INSTRUCTION J TO FORM 10-K:** 

**Item 10.** **Directors, Executive Officers and Corporate Governance.** <br>

**Item 11.** **Executive Compensation.** <br>

**Item 12.** **Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.** <br>

**Item 13.** **Certain Relationships and Related Transactions, and Director Independence.** <br>

**Item 14.** **Principal Accountant Fees and Services.** <br>

**PART IV** 

**Item 15.** **Exhibits and Financial Statement Schedules.** <br>

(a) (1)   Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) The exhibits filed in response to Item 601 of Regulation S-K are listed
in Item 15(b) below.

(b) The exhibits filed in response to Item 601 of Regulation S-K are listed
below and either included or incorporated by reference as indicated:

**EXHIBIT INDEX** 

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| | |
|:---|:---|
| Exhibit 3.1 | [Certificate of Formation for Fifth Third Holdings Funding, LLC ("Fifth Third Funding") (filed as Exhibit 3.1 to Form SF-3 of Fifth Third Funding, filed on May 16, 2016 (No. 333-267774)).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312522259557/d336412dex31.htm) |
| Exhibit 3.2 | [Limited Liability Company Agreement of Fifth Third Funding (filed as Exhibit 3.2 to Form SF-3 of Fifth Third Funding, filed on May 16, 2016 (No. 333-267774)).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312522259557/d336412dex32.htm) |
| Exhibit 4.1 | [Indenture, dated as of August 23, 2023, between the Issuing Entity and Wilmington Trust, National Association, as indenture trustee (the "Indenture Trustee") (filed as Exhibit 4.1 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on August 24, 2023).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312523220195/d527973dex41.htm) |
| Exhibit 10.1 | [Receivables Sale Agreement, dated as of August 23, 2023, between Fifth Third, as seller, and Fifth Third Holdings, LLC, as purchaser (filed as Exhibit 10.1 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on August 24, 2023).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312523220195/d527973dex101.htm) |
| Exhibit 10.2 | [Purchase Agreement, dated as of August 23, 2023, between Fifth Third Holdings, LLC, as seller, and Fifth Third Funding, as purchaser (filed as Exhibit 10.2 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on August 24, 2023).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312523220195/d527973dex102.htm) |
| Exhibit 10.3 | [Sale Agreement, dated as of August 23, 2023, between Fifth Third Funding, as seller, and the Issuing Entity, as purchaser (filed as Exhibit 10.3 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on August 24, 2023).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312523220195/d527973dex103.htm) |
| Exhibit 10.4 | [Servicing Agreement, dated as of August 23, 2023, among Fifth Third, as servicer, the Issuing Entity and the Indenture Trustee (filed as Exhibit 10.4 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on August 24, 2023).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312523220195/d527973dex104.htm) |

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| | |
|:---|:---|
| Exhibit 10.5 | [Administration Agreement, dated as of August 23, 2023, among Fifth Third, the Issuing Entity and the Indenture Trustee (filed as Exhibit 10.5 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on August 24, 2023).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312523220195/d527973dex105.htm) |
| Exhibit 10.6 | [Second Amended and Restated Trust Agreement, dated as August 23, 2023, among Fifth Third Funding and U.S. Bank Trust National Association, as owner trustee (filed as Exhibit 10.6 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on August 24, 2023).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312523220195/d527973dex106.htm) |
| Exhibit 10.7 | [Asset Representations Review Agreement, dated as of August 23, 2023, among the Issuing Entity, Fifth Third, as servicer, and Clayton Fixed Income Services LLC, as asset representations reviewer (filed as Exhibit 10.7 to Form 8-K filed by Fifth Third Funding and the Issuing Entity on August 24, 2023).\*](http://www.sec.gov/Archives/edgar/data/1405332/000119312523220195/d527973dex107.htm) |
| Exhibit 31.1 | [Certification of the senior officer in charge of securitization of Fifth Third Funding, as depositor, pursuant to Rule 15d-14(d).](d833533dex311.htm) |
| Exhibit 33.1 | [Report on Assessment of Compliance with Servicing Criteria of Fifth Third Bank, National Association.](d833533dex331.htm) |
| Exhibit 33.2 | [Report on Assessment of Compliance with Servicing Criteria of the Indenture Trustee.](d833533dex332.htm) |
| Exhibit 34.1 | [Attestation Report on Assessment of Compliance with Servicing Criteria of Deloitte and Touche LLP on behalf of Fifth Third.](d833533dex341.htm) |
| Exhibit 34.2 | [Attestation Report on Assessment of Compliance with Servicing Criteria of PricewaterhouseCoopers LLP on behalf of the Indenture Trustee.](d833533dex342.htm) |
| Exhibit 35.1 | [Servicing Compliance Statement of Fifth Third.](d833533dex351.htm) |

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\* Incorporated by reference.

(c) None.

**Item 16.** **Form 10–K Summary.** <br>

Not applicable.

**SUBSTITUTE INFORMATION PROVIDED IN ACCORDANCE WITH GENERAL INSTRUCTION J(2) TO FORM 10-K:** 

**Item 1112(b) of Regulation AB: Significant Obligors of Pool Assets (Financial information).** 

Not applicable.

**Item 1114(b)(2) of Regulation AB: Credit Enhancement and Other Support, Except for Certain Derivatives Instruments (Financial information).** 

Not applicable.

**Item 1115(b) of Regulation AB: Certain Derivatives Instruments (Financial information).** 

Not applicable.

**Item 1117 of Regulation AB: Legal proceedings.** 

Except as disclosed in the following paragraph, no legal proceedings are pending against any of Fifth Third Bank, National Association, a national banking association ("Fifth Third") (in its capacity as an originator contemplated by Item 1110(b) of Regulation AB (the "Originator"), in its capacity as sponsor (the "Sponsor"), in its capacity as

------

servicer (the "Servicer") and in its capacity as administrator (the "Administrator") of Fifth Third Auto Trust 2023-1 (the "Issuing Entity")), Fifth Third Holdings, LLC, as seller (the "Seller"), Fifth Third Holdings Funding, LLC (the "Depositor"), Wilmington Trust, National Association (the "Indenture Trustee"), U.S. Bank Trust National Association (the "Owner Trustee"), the Issuing Entity, or of which any property of the foregoing is subject, that are material to holders of the asset-backed notes (the "Notes") or asset-backed certificates (the "Certificates"), and no such proceedings are known to be contemplated by governmental authorities.

On February 3, 2026, certain investors served the Indenture Trustee with a civil complaint, filed in the Supreme Court of the State of New York, County of New York, for an unspecified amount of damages arising from alleged breaches of contract and duties related to the Indenture Trustee's roles as custodian and indenture trustee for certain Tricolor Holdings, LLC asset-backed securitization transactions. The plaintiffs generally assert causes of action related to the Indenture Trustee's purported failure to comply with certain provisions related to waterfall payments, servicing transition costs and post-event of default duties and related to the Indenture Trustee's purported failure to perform certain actions as custodian with respect to the related receivables. The Indenture Trustee intends to vigorously defend itself against this legal action. The Indenture Trustee does not believe that the ultimate resolution of this proceeding, or any other Proceedings, would be material to the investors of the Notes.

**Item 1119 of Regulation AB: Affiliations and Certain Relationships and Related Transactions.** 

The information required by Item 1119 of Regulation AB has been previously reported and has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119.

**Item 1122 of Regulation AB: Compliance with Applicable Servicing Criteria.** 

Fifth Third and the Indenture Trustee (collectively, the "Servicing Parties") have each been identified by the registrant as parties participating in the servicing function with respect to the asset pool held by the Issuing Entity. Each of the Servicing Parties has completed a report on an assessment of compliance with the servicing criteria set forth in paragraph (d) of Item 1122 of Regulation AB applicable to it (each, a "Servicing Assessment Report"), which Servicing Assessment Reports are attached as exhibits to this Form 10-K. In addition, each of Fifth Third and the Indenture Trustee has provided an attestation report (each, an "Attestation Report") by a registered public accounting firm, which reports are also attached as exhibits to this Form 10-K. None of the Servicing Assessment Reports prepared by Fifth Third or the Indenture Trustee, and none of the related Attestation Reports, has identified any material instance of noncompliance with the servicing criteria applicable to the respective Servicing Party.

**Item 1123 of Regulation AB: Servicer Compliance Statement.** 

Fifth Third has completed a statement of compliance with applicable servicing criteria (a "Compliance Statement") signed by an authorized officer of Fifth Third and such Compliance Statement is attached as Exhibit 35.1 to this Form 10-K.

**Supplemental Information to be Furnished With Reports Filed Pursuant to Section 15(d) of the Act by Registrants Which Have Not Registered Securities Pursuant to Section 12 of the Act.** 

No annual report or proxy materials have been sent to security holders and no such report or proxy materials are to be furnished to security holders subsequent to the filing of this Annual Report on Form 10-K.

------

**SIGNATURES** 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Date: March 30, 2025

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| | |
|:---|:---|
| FIFTH THIRD HOLDINGS FUNDING, LLC, as Depositor | FIFTH THIRD HOLDINGS FUNDING, LLC, as Depositor |
| By: | /s/ Brennen Willingham |
| Name: | Brennen Willingham |
| Title: | President |
| (senior officer in charge of securitization) | (senior officer in charge of securitization) |

---

## Exhibit 31.1

**EXHIBIT 31.1** 

**CERTIFICATION PURSUANT TO** 

**Rule 15d-14(d)** 

I, Brennen Willingham, certify that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. I have reviewed this report on Form 10-K and all reports on Form 10-D required to be filed in respect of the period covered by this report on Form 10-K of Fifth Third Auto Trust 2023-1 (the
"Exchange Act periodic reports");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Based on my knowledge, the Exchange Act periodic reports, taken as a whole, do not contain any untrue statement
of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Based on my knowledge, all of the distribution, servicing and other information required to be provided under
Form 10-D for the period covered by this report is included in the Exchange Act periodic reports;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Based on my knowledge and the servicer compliance statement required in this report under Item 1123 of
Regulation AB, and except as disclosed in the Exchange Act periodic reports, the servicer has fulfilled its obligations under the servicing agreement in all material respects; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. All of the reports on assessment of compliance with servicing criteria for asset-backed securities and their
related attestation reports on assessment of compliance with servicing criteria for asset-backed securities required to be included in this report in accordance with Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been included as an exhibit to this report, except as otherwise disclosed in this report. Any material instances of noncompliance described in
such reports have been disclosed in this report on Form 10-K.

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In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties: Wilmington Trust, National Association and U.S. Bank Trust National Association.

March 30, 2026

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| | |
|:---|:---|
| **Fifth Third Holdings Funding, LLC**, as Depositor | **Fifth Third Holdings Funding, LLC**, as Depositor |
| By: | /s/ Brennen Willingham |
| Name: Brennen Willingham | Name: Brennen Willingham |
| Title: President | Title: President |
| (senior officer in charge of securitization) | (senior officer in charge of securitization) |

---

*Certification pursuant to* *Rule 15d-14(d) (FTAT 2023-1)*

## Exhibit 33.1

**EXHIBIT 33.1** 

**Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria** 

1. Fifth Third Bank, National Association, a national banking association (" <u>Fifth Third</u> "), is
responsible for assessing compliance with the servicing criteria applicable to it under paragraph (d) of Item 1122 of Regulation AB as of and for the period ended December 31, 2025 (the " <u>Reporting Period</u> "), as set forth
in Appendix A hereto (such servicing criteria, excluding the criteria listed under the column titled "Inapplicable Servicing Criteria" on Appendix A hereto, the " <u>Applicable Servicing Criteria</u> "). The transactions
covered by this report include all asset-backed securities transactions, for which Fifth Third acted as servicer involving retail auto loans, that have been registered with the Securities and Exchange Commission pursuant to the Securities Act of
1933, where the related asset-backed securities were outstanding during the Reporting Period (the " <u>Platform</u> "). See Appendix B for the asset-backed transactions covered by the Platform;

2. Fifth Third has engaged vendors (" <u>Vendor</u> ") that are not servicers as defined in Item 1101(j)
of Regulation AB to perform specific, limited or scripted activities and Fifth Third elects to take responsibility for assessing compliance with the servicing criteria or portion of the servicing criteria applicable to such Vendor's
activities, as set forth in Appendix A hereto;

3. Except as set forth in paragraph 4 below, Fifth Third used the criteria set forth in paragraph (d) of Item
1122 of Regulation AB to assess the compliance by Fifth Third with the Applicable Servicing Criteria;

4. The criteria listed under the column titled "Inapplicable Servicing Criteria" on Appendix A hereto
are inapplicable to Fifth Third based on the activities it performs, directly or through its vendors, with respect to the Platform;

5. Fifth Third has complied, in all material respects, with the Applicable Servicing Criteria as of
December 31, 2025 and for the Reporting Period with respect to the Platform taken as a whole;

6. Fifth Third has not identified and is not aware of any material instance of noncompliance by the Vendor with
the Applicable Servicing Criteria as of December 31, 2025 and for the Reporting Period with respect to the Platform as a whole;

7. Fifth Third has not identified any material deficiency in its policies and procedures to monitor the compliance
by the Vendor with the Applicable Servicing Criteria as of December 31, 2025 and for the Reporting Period with respect to the Platform taken as a whole; and

8. Deloitte and Touche LLP, an independent registered public accounting firm, has issued an attestation report for
the Platform on Fifth Third's assessment of compliance with the Applicable Servicing Criteria as of December 31, 2025 and for the Reporting Period.

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| | |
|:---|:---|
| March 30, 2026 | March 30, 2026 |
| **FIFTH THIRD BANK, NATIONAL ASSOCIATION** | **FIFTH THIRD BANK, NATIONAL ASSOCIATION** |
| By: | /s/ Nathan Steuber |
| Name: Nathan Steuber | Name: Nathan Steuber |
| Title: Senior Vice President | Title: Senior Vice President |

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APPENDIX A

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| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
|  | **General Servicing Considerations** | **General Servicing Considerations** | **General Servicing Considerations** | **General Servicing Considerations** |
| 1122(d)(1)(i) | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. | X |  |  |
| 1122(d)(1)(ii) | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. | X |  |  |
| 1122(d)(1)(iii) | Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained. |  |  | X |

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Appendix A-1

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| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(1)(iv) | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. |  |  | X |
| 1122(d)(1)(v) | Aggregation of information, as applicable, is mathematically accurate and the information conveyed accurately reflects the information. | X |  |  |
|  | **Cash Collection and Administration** | **Cash Collection and Administration** | **Cash Collection and Administration** | **Cash Collection and Administration** |
| 1122(d)(2)(i) | Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. | X |  |  |

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Appendix A-2

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| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(2)(ii) | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. |  |  | X<sup>(1)</sup> |
| 1122(d)(2)(iii) | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. |  |  | X |
| 1122(d)(2)(iv) | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. |  |  | X<sup>(1)</sup> |

---

Appendix A-3

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(2)(v) | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. |  |  | X<sup>(1)</sup> |
| 1122(d)(2)(vi) | Unissued checks are safeguarded so as to prevent unauthorized access. |  |  | X |

---

Appendix A-4

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(2)(vii) | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. | X |  |  |

---

Appendix A-5

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
|  | **Investor Remittances and Reporting** | **Investor Remittances and Reporting** | **Investor Remittances and Reporting** | **Investor Remittances and Reporting** |
| 1122(d)(3)(i) | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced by the Servicer. | X |  |  |

---

Appendix A-6

------

---

| | | |
|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** |
| **Reference** | **Criteria** | **Criteria** |
| 1122(d)(3)(ii) | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. | X<sup>(2)</sup> |
| 1122(d)(3)(iii) | Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days specified in the transaction agreements. | X<sup>(1)</sup> |
| 1122(d)(3)(iv) | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. | X<sup>(1)</sup> |
|  | **Pool Asset Administration** | **Pool Asset Administration** |
| 1122(d)(4)(i) | Collateral or security on pool assets is maintained as required by the transaction agreements or related asset pool documents. | X |
| 1122(d)(4)(ii) | Pool assets and related documents are safeguarded as required by the transaction agreements. | X X<sup>(3)</sup> |

---

Appendix A-7

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(4)(iii) | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. | X |  |  |
| 1122(d)(4)(iv) | Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related asset pool documents. | X |  |  |
| 1122(d)(4)(v) | The Servicer's records regarding the accounts and the accounts agree with the Servicer's records with respect to an obligor's unpaid principal balance. | X |  |  |

---

Appendix A-8

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(4)(vi) | Changes with respect to the terms or status of an obligor's account (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. | X |  |  |
| 1122(d)(4)(vii) | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. | X |  |  |

---

Appendix A-9

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(4)(viii) | Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). | X |  |  |
| 1122(d)(4)(ix) | Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents. |  |  | X |

---

Appendix A-10

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(4)(x) | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's Account documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable Account documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related Accounts, or such other number of days specified in the transaction agreements. |  |  | X |

---

Appendix A-11

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(4)(xi) | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. |  |  | X |
| 1122(d)(4)(xii) | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or omission. |  |  | X |
| 1122(d)(4)(xiii) | Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the transaction agreements. |  |  | X |

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Appendix A-12

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Applicable Servicing Criteria*** | ***Inapplicable Servicing<br>Criteria*** |
| ***Servicing Criteria*** | ***Servicing Criteria*** | ***Performed***<br> ***Directly by***<br> ***Fifth Third***<br> ***Bank, National<br>Association*** | ***Performed by***<br> ***Vendor(s) for***<br> ***which Fifth***<br> ***Third Bank,***<br> ***National***<br> ***Association is***<br> ***the***<br> ***Responsible Party*** | ***Inapplicable Servicing<br>Criteria*** |
| **Reference** | **Criteria** | **Criteria** | **Criteria** | **Criteria** |
| 1122(d)(4)(xiv) | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. | X |  |  |
| 1122(d)(4)(xv) | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. |  |  | X |

---

<sup>(1)</sup> The Indenture Trustee is responsible for assessing compliance with this servicing criterion. See Exhibit 33.2 to the Form 10-K.

<sup>(2)</sup> With respect to the servicing criterion 1122(d)(3)(ii), the Indenture Trustee is responsible for assessing compliance with this servicing criterion solely with respect to remittances. See Exhibit 33.2 to the Form 10-K. With respect to all activities other than remittances described in servicing criterion 1122(d)(3)(ii), such activities were performed by Fifth Third. 

<sup>(3)</sup> With respect to the servicing criterion 1122(d)(4)(ii), Fifth Third has outsourced the safeguarding of vehicle titles to the Vendor and Fifth Third has elected to take responsibility for assessing the Vendor's compliance with the servicing criterion 1122(d)(4)(ii) with respect to the safeguarding of vehicle titles. 

Appendix A-13

------

APPENDIX B

Fifth Third Auto Trust 2023-1

Appendix B-1

## Exhibit 33.2

**EXHIBIT 33.2** 

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| | |
|:---|:---|
| ![LOGO](g833533snap1.jpg) | ***Wilmington Trust, N.A.***<br> **Rodney Square North**<br> **1100 North Market Street**<br> **Wilmington, DE 19890** |

---

**<u>Management Assessment Report</u>**

Management of Wilmington Trust National Association (the Company) is responsible for assessing compliance with the applicable servicing criteria set forth in Item 1122(d)(1)(ii), 1122(d)(2)(ii), 1122(d)(2)(iv), 1122(d)(2)(v), 1122(d)(3)(ii), 1122(d)(3)(iii) and 1122(d)(3)(iv) of Regulation AB of the Securities and Exchange Commission relating to the servicing of auto related asset-backed transactions initiated or amended for purposes of Regulation AB on or after January 1, 2006, for which the Company provides trustee services (the Platform) as of and for the year ended December 31, 2025. Management has determined that all other criteria set forth in Item 1122(d) are not applicable to the servicing activities performed by the Company with respect to the Platform. Appendix A to this report identifies the auto related asset-backed transactions defined by management as constituting the Platform.

The Company's management has assessed the Company's compliance with the applicable servicing criteria as of and for the year ended December 31, 2025. In making this assessment, management used the criteria set forth by the Securities and Exchange Commission in criterion (d)(1)(ii), (d)(2)(ii), (d)(2)(iv), (d)(2)(v), (d)(3)(ii), (d)(3)(iii) and (d)(3)(iv) of Item 1122 of Regulation AB.

Based on such assessment, management believes that, as of and for the year ended December 31, 2025, the Company has complied in all material respects with the servicing criteria set forth in Item 1122(d)(1)(ii), 1122(d)(2)(ii), 1122(d)(2)(iv), 1122(d)(2)(v), 1122(d)(3)(ii), 1122(d)(3)(iii) and 1122(d)(3)(iv) of Regulation AB of the Securities and Exchange Commission relating to the servicing of the Platform. PricewaterhouseCoopers LLP, a registered public accounting firm, has issued an attestation report with respect to management's assessment of compliance with the applicable servicing criteria as of and for the year ended December 31, 2025.

------

---

| | |
|:---|:---|
| ![LOGO](g833533snap1.jpg) | ***Wilmington Trust, N.A.***<br> **Rodney Square North 1100**<br> **North Market Street**<br> **Wilmington, DE 19890** |

---

 ![LOGO](g833533snap2.jpg) <br>

---

| | |
|:---|:---|
|  Name: | Benjamin F. Jordan |
|  Title: | Senior Vice President |

---

Institutional Services Structured Finance

 <br> Date: February 27, 2026

------

List of Transactions – Appendix A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Capital One Prime Auto Receivables Trust 2022-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Capital One Prime Auto Receivables Trust 2022-2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Capital One Prime Auto Receivables Trust 2023-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Capital One Prime Auto Receivables Trust 2023-2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Capital One Prime Auto Receivables Trust 2024-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Capital One Prime Auto Receivables Trust 2025-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2022-3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2022-4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2023-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2023-2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2023-3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2025-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Select Receivables Trust 2025-A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2025-2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2025-3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Select Receivables Trust 2025-B

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2025-4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Auto Receivables Trust 2022-D

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Auto Receivables Trust 2024-B

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Auto Receivables Trust 2025-B

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Automobile Lease Securitization Trust 2024-A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Automobile Lease Securitization Trust 2025-A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Drive Auto Receivables Trust 2021-3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Drive Auto Receivables Trust 2024-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Drive Auto Receivables Trust 2025-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Santander Drive Auto Receivables Trust 2023-2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Santander Drive Auto Receivables Trust 2023-4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Santander Drive Auto Receivables Trust 2023-6

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Santander Drive Auto Receivables Trust 2024-2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Santander Drive Auto Receivables Trust 2024-4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Santander Drive Auto Receivables Trust 2025-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fifth Third Auto Trust 2023-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Capital One Prime Auto Receivables Trust 2021-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2021-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CarMax Auto Owner Trust 2021-2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Auto Receivables Trust 2021-B

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Auto Receivables Trust 2021-C

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Select Auto Trust 2021-A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• World Omni Automobile Lease Securitization Trust 2023-A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Drive Auto Receivables Trust 2021-1

## Exhibit 34.1

**EXHIBIT 34.1** 

**REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM** 

To the Board of Directors of Fifth Third Bank, National Association

We have examined management of Fifth Third Bank, National Association's assertion, included in the accompanying Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria, that Fifth Third Bank, National Association ("Fifth Third" or the "Company") complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for all asset-backed securities transactions, for which Fifth Third acted as servicer involving retail auto loans, that have been registered with the Securities and Exchange Commission pursuant to the Securities Act of 1933, where the related asset-backed securities were outstanding during the reporting period (the "Platform"), excluding criteria set forth in Sections 1122(d)(1)(iii), 1122(d)(1)(iv), 1122(d)(2)(ii), 1122(d)(2)(iii), 1122(d)(2)(iv), 1122(d)(2)(v), 1122(d)(2)(vi), 1122(d)(3)(ii) solely with respect to remittances, 1122(d)(3)(iii), 1122(d)(3)(iv), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii), and 1122(d)(4)(xv) (the "servicing criteria") as of and for the year ended December 31, 2025, which management has determined are not applicable to the activities performed by the Company with respect to the Platform. Appendix B to management's assertion identifies the individual asset-backed transactions defined by management as constituting the Platform. Management is responsible for the Company's compliance with the servicing criteria and its assertion. Our responsibility is to express an opinion on management's assertion about the Company's compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with the standards of the Public Company Accounting Oversight Board (United States) and in accordance with attestation standards established by the American Institute of Certified Public Accountants. Those standards require that we plan and perform the examination to obtain reasonable assurance about whether management's assertion about compliance with the servicing criteria is fairly stated, in all material respects. An examination involves performing procedures to obtain evidence about management's assertion on compliance with the servicing criteria. The nature, timing, and extent of the procedures selected depend on our judgment, including an assessment of the risks of material misstatement of management's assertion on compliance with the servicing criteria, whether due to error or fraud, and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the servicing criteria, including tests on a sample basis of the servicing activities related to the Platform, determining whether the Company performed those selected activities in compliance with the servicing criteria during the specified period, and performing such other procedures as we considered necessary in the circumstances. Our procedures were limited to selected servicing activities performed by the Company during the period covered by this report and, accordingly, such samples may not have included servicing activities related to each asset-backed transaction included in the Platform. Further, an examination is not designed to detect noncompliance arising from errors that may have occurred prior to the period specified above that may have affected the balances or amounts calculated or reported by the Company during the period covered by this report. We believe that the evidence we obtained in our examination is sufficient and appropriate to provide a reasonable basis for our opinion.

We are required to be independent and to meet our other ethical responsibilities in accordance with relevant ethical requirements relating to the engagement.

As described in management's assertion, for servicing criteria 1122(d)(4)(ii), the Company has engaged vendors to perform certain activities required by this servicing criteria. The Company has determined that these vendors are not considered a "servicer" as defined in Item 1101(j) of Regulation AB, and the Company has elected to take responsibility for assessing compliance with the servicing criteria applicable to these vendors as permitted by the SEC's Compliance and Disclosure Interpretation 200.06, Vendors Engaged by Servicers ("C&DI 200.06"). As permitted by C&DI 200.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that the vendors' activities comply in all material respects with the servicing criteria applicable to these vendors. The Company is solely responsible for determining that it meets the SEC requirements to apply C&DI 200.06 for the vendors and related criteria as described in its assertion, and we performed no procedures with respect to the Company's determination of its eligibility to apply C&DI 200.06.

Our examination does not provide a legal determination on the Company's compliance with the servicing criteria.

In our opinion, management's assertion that the Company complied with the servicing criteria as of and for the year ended December 31, 2025, is fairly stated, in all material respects.

/s/ Deloitte & Touche LLP

Cincinnati, Ohio

March 30, 2026

## Exhibit 34.2

**EXHIBIT 34.2**![LOGO](g833533snap4.jpg)

**Report of Independent Registered Public Accounting Firm** 

To the Management of Wilmington Trust National Association

We have examined management's assertion, included in the accompanying Management Assessment Report, that Wilmington Trust National Association (the "Company") complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for Items 1122(d)(1)(ii), 1122(d)(2)(ii), 1122(d)(2)(iv), 1122(d)(2)(v), 1122(d)(3)(ii), 1122(d)(3)(iii), and 1122(d)(3)(iv) of the Securities and Exchange Commission's Regulation AB for the servicing of auto related asset-backed transactions initiated or amended for purposes of Regulation AB on or after January 1, 2006, for which the Company also provides trustee services (the "Platform"), as of December 31, 2025 and for the year then ended. Appendix A to Management's Assessment Report identifies the individual asset-backed transactions and securities defined by management as constituting the Platform. Wilmington Trust National Association's management is responsible for its assertion and for the Company's compliance with the applicable servicing criteria. Our responsibility is to express an opinion on management's assertion about the Company's compliance with the applicable servicing criteria based on our examination.

Our examination was conducted in accordance with the attestation standards of the Public Company Accounting Oversight Board (United States) and in accordance with attestation standards established by the American Institute of Certified Public Accountants. Those standards require that we plan and perform the examination to obtain reasonable assurance about whether management's assertion about compliance with the applicable servicing criteria is fairly stated, in all material respects, and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the applicable servicing criteria and performing such other procedures as we considered necessary in the circumstances. Our examination included testing of selected asset-backed transactions and securities that comprise the Platform, testing of selected servicing activities related to the Platform, and determining whether the Company processed those selected transactions and performed those selected activities in compliance with the applicable servicing criteria. Our procedures were limited to the selected transactions and servicing activities performed by the Company during the period covered by this report. Our procedures were not designed to detect noncompliance arising from errors that may have occurred prior to or subsequent to our tests that may have affected the balances or amounts calculated or reported by the Company during the period covered by this report. We believe that our examination provides, and that the evidence we obtained is sufficient and appropriate to provide, a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the servicing criteria.

We are required to be independent and to meet our other ethical responsibilities in accordance with relevant ethical requirements related to the engagement.

In our opinion, management's assertion that Wilmington Trust National Association complied with the aforementioned applicable servicing criteria as of and for the year ended December 31, 2025 for the Platform is fairly stated, in all material respects.

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| |
|:---|
|  ![LOGO](g833533snap3.jpg)  |
|  Buffalo, NY |
|  February 27, 2026 |

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| | |
|:---|:---|
|  | PricewaterhouseCoopers LLP |
|  | 726 Exchange Street, Suite 1010 |
|  | Buffalo, New York 14210-1484 |
|  **www.pwc.com/us** | (716) 856 4650 |

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## Exhibit 35.1

**EXHIBIT 35.1** 

**Servicer Compliance Certificate** 

FIFTH THIRD AUTO TRUST 2023-1

The undersigned, a duly authorized officer of Fifth Third Bank, National Association ("<u>Fifth Third</u>"), a national banking association, as servicer (in such capacity, the "<u>Servicer</u>") under the Servicing Agreement, dated as of August 23, 2023 (as amended and supplemented, or otherwise modified and in effect from time to time, the "<u>Servicing Agreement</u>"), by and among Fifth Third Auto Trust 2023-1, the Servicer and Wilmington Trust, National Association, as Indenture Trustee, does hereby certify that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the activities of the Servicer during the period from January 1, 2025 through
December 31, 2025 (the " <u>Reporting Period</u> "), and of its performance under the Servicing Agreement has been made under my supervision; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. To the best of my knowledge, based on such review, the Servicer has fulfilled all of its obligations under the
Servicing Agreement in all material respects throughout the Reporting Period.

[Signature Page Follows]

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IN WITNESS WHEREOF, the undersigned has duly executed this Certificate on behalf of the Servicer this 30<sup>th</sup> day of March, 2026.

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| | |
|:---|:---|
| **FIFTH THIRD BANK, NATIONAL ASSOCIATION** | **FIFTH THIRD BANK, NATIONAL ASSOCIATION** |
| By: | /s/ Nathan Steuber |
| Name: Nathan Steuber | Name: Nathan Steuber |
| Title: Senior Vice President | Title: Senior Vice President |

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*Servicer Compliance Certificate* *(FTAT 2023-1)*