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<!-- Asset Related Document -->

<!--General Narrative.-->


<!--Reporting Periods; Mid-Month Cutoff Dates : According to SEC Compliance and Disclosure Interpretations associated with Information for Form ABS-EE Filings dated April 28, 2016, the reporting period should be based on the normal ongoing reporting requirement, which is a calendar month. The cutoff date for a securitization trust could occur on any date in a calendar month. Items 3(f)(16) Reporting period ending actual balance and 3(f)(25) Current delinquency status are reported as of the most recent calendar month-end. However, the ending actual balance and delinquency status disclosed in the securitization documents are reported as of the related cutoff date. In addition, the reporting period for the first monthly loan-level data filed for the trust will not match the collection period for the first monthly investor report.-->

<!--Negative Values : Item 3(f)(2) Remaining term to maturity will be reported as a negative value if the receivable is past the item 3(c)(5) Loan maturity date and the obligor has not made their final payment. Item 3(f)(15) Other principal adjustments may be negative if the total principal reduction for the reporting period, which is calculated as the difference between items 3(f)(5) Reporting period beginning loan balance and 3(f)(16) Reporting period ending actual balance, is less than the summation of items 3(f)(20) Actual principal collected and 3(i)(1) Charged-off principal amount. Items 3(f)(15) Other principal adjustments, 3(i)(1) Charged-off principal amount, 3(i)(2) Amounts recovered and 3(k)(1) Repossession proceeds are reported as a negative value if principal payment amounts, charged off amounts, recoveries, repossession or liquidation proceeds or fees from a prior reporting period are reversed or corrected during the reporting period. Item 3(j)(2) Payment extensions may be reported as a negative value due to an extension reversal.-->

<!--Loan Term Data Items; Treatment of Partial Months : For items 3(c)(4) Original loan term, 3(c)(12) Grace period and 3(f)(2) Remaining term to maturity, a partial month (even a single day) is counted as one month. Item 3(c)(4) Original loan term may not equal the term of a receivable as described in the securitization documents. For example, a receivable that is originated on January 31 with a term of 60 months and an initial payment due on March 1 will report items 3(c)(4) Original loan term of 62 and 3(c)(12) Grace period of 2 (January and February). In the securitization documents, this same receivable will be described as a 60-month contract, based on the number of contractual monthly payments. Item 3(c)(4) Original loan term is the calculated number of months (including partial months) between item 3(c)(2) Origination date and the original loan maturity date established at the time of loan origination prior to any modification. Item 3(c)(5) Loan maturity date is the current final maturity date of the receivable after giving effect to payment extensions and payment due date changes.-->

<!--Omitted before or after Original Term of Receivable : Items 3(f)(13) Scheduled interest amount, 3(f)(14) Scheduled principal amount and 3(f)(17) Reporting period scheduled payment amount are omitted for reporting periods in which the receivable is originated or after the end of the receivable's original term when no additional amounts are scheduled.-->

<!--Omitted for Receivable originated in the reporting period : Items (f)(5)  Reporting period beginning loan balance, 3(f)(7) Reporting period interest rate and 3(f)(15) Other principal adjustments are omitted for a receivable originated in the reporting period.-->

<!--Omitted if Status Not Applicable : Items for account status information, such as those for zero balance, repossessed or charged off accounts, or for accounts subject to a repurchase demand, are omitted if the receivable is not in the particular status during the reporting period. This applies to items 3(f)(24)(i) Zero balance Effective date, 3(f)(24)(ii) Zero balance code, 3(h)(1) through 3(h)(5) for Assets subject to repurchase demand, 3(i)(1) Charged-off principal amount, 3(i)(2) Amounts recovered, 3(j)(1) Modification type, 3(j)(2) Payment extensions, 3(k) Repossessed and 3(k)(1) Repossession proceeds.-->

<!--Omitted after Repurchase, Paid in Full or Charged off : Receivables that are paid in full or repurchased from the trust are not reported in reporting periods after the final payments or repurchase are reported. Receivables that have been charged off in full will not be reported in the reporting periods after the charge off is reported unless there is new information to report or recovery payments are collected in a subsequent reporting period.-->

<!--Scheduled Amounts : Items 3(f)(13) Scheduled interest amount, 3(f)(14) Scheduled principal amount and 3(f)(17) Reporting period scheduled payment amount are the calculated monthly interest, principal, and total payment amounts due based on the terms of the receivable at origination, calculated on a simple interest method based on a 360-day year with twelve 30-day months. These items are calculated based on origination information and therefore are not adjusted for actual payment activity, payment extensions or modifications to the receivable.-->

<!--Actual Amounts Collected : Amounts reported in items 3(f)(18) Total actual amount paid, 3(f)(19) Actual interest collected, 3(f)(20) Actual principal collected and 3(f)(21) Actual other amounts collected that were collected prior to the cutoff date for the securitization transaction are not part of the securitization trust property, and therefore will not be remitted by the servicer to the trust. In addition, items 3(f)(18) Total actual amount paid, 3(f)(19) Actual interest collected, 3(f)(20) Actual principal collected and 3(f)(21) Actual other amounts collected will include any cash that was collected during the reporting period, offset by any payment reversals (i.e., payments returned due to non-sufficient funds). However, if payment reversals exceed cash collected, the resulting negative amount will be reported as zero. Principal payment reversals in excess of actual principal collected will be reported in item 3(f)(15) Other principal adjustments. Therefore, these amounts will not reconcile to the collected amounts disclosed on the monthly servicer certificate.-->

<!--Liquidated Receivable : In certain instances, a receivable can be considered liquidated according to the definition in the securitization documents, but not charged off by the servicer. Such a receivable is reported in data item 3(i)(1) Charged-off principal amount in the month the receivable is designated a Liquidated Receivable pursuant to the definition in securitization documents. However, any payment amounts received on such receivables would be reflected in items 3(f)(18) Total actual amount paid, 3(f)(19) Actual interest collected, 3(f)(20) Actual principal collected and 3(f)(21) Actual other amounts collected, and would not be not reported in 3(i)(2) Amounts recovered.-->

<!--Item-specific Narrative.-->


<!--3(c)(2) Origination date : This data item represents the date when the loan was originated and the retail automobile loan contract was signed.-->

<!--3(c)(14) Subvented : Subvention designation is validated subsequent to the origination date, which could result in different values in subsequent reporting periods.-->

<!--3(d)(1) Vehicle manufacturer : The data item represents vehicle "make" as used in the prospectus.-->

<!--3(d)(5) Vehicle type : Vehicle type "1" includes sedans, hatchbacks, wagons and coupes. Vehicle type "2" includes vans, mini vans and light pickup trucks. Vehicle type "3" includes sport utility vehicles and crossover utility vehicles. Vehicle type "99" is reported if the vehicle type is not available.-->

<!--3(d)(7) Source of vehicle value : This data item is reported as "98" when NADA (National Auto Dealers Association) guides are used as the source of the vehicle value or source is not available.-->

<!--3(e)(6) Payment-to-income ratio : The payment-to-income ratio is determined by dividing the contractual monthly payment by the combined gross monthly income and other monthly income of the applicant and any co-applicant as reported by them in the credit application or as adjusted in certain cases through the underwriting or verification process.-->

<!--3(e)(7) Geographic location of obligor : This data item can include military postal codes (i.e., AA, AP, AE) as well as codes for other countries when the obligor changes the address on the account from a U.S. state or territory but continues to make payment in U.S. dollars.-->

<!--3(f)(6) Next reporting period payment amount due : This data item represents the total amount of interest and principal due in the next reporting period to bring a receivable current. This amount does not include any additional fees that may be owed on the receivable, such as late charges, non-sufficient funds fees, or extension fees. If the next reporting period payment amount due is reported as 0.00, no interest or principal is due in the next reporting period to bring the receivable current because the receivable either (i) is paid ahead, (ii) was granted a payment extension, (iii) was paid in full or (iv) is a Liquidated Receivable pursuant to the definition in securitization documents.-->

<!--3(f)(23) Interest paid through date : This data item is the date of the obligor's last payment activity. If no payment has yet been made on a receivable, the date reported is its origination date which is the date on which finance charges start to accrue on the receivable.-->

<!--3(g)(2) Most recent servicing transfer received date : This data item is not populated unless a servicing transfer is initiated.-->

<!--3(i)(1) Charged-off principal amount : This data item captures the amount of charged off principal including full balance charge offs and also small balance write-downs and partial charge offs on active non-zero balance loans.-->

<!--3(j)(1) Modification type : This data item can be reported as "98" for any due date changes of less than 30 days. No value is reported for end-of-term small balance write-offs, address changes, substitutions of collateral or transfers of equity.-->

<!--3(k) Repossessed : This data item is reported as "true" when the vehicle securing a loan is repossessed during the current reporting period and for each subsequent reporting period. It is reported as "false" when the previously repossessed vehicle is reinstated during the current reporting period and for each subsequent reporting period. It is also reported as "false" for all accounts that have had no repossession activity.-->

<!--3(f)(7) Reporting period interest rate : This data item is the interest rate in effect on the first day of the reporting period for accounts with a balance greater than zero.-->

<!--3(f)(8) Next interest rate : This data item is the interest rate in effect on the first day of the next reporting period for accounts with a balance greater than zero.-->

<!--3(f)(25) Current delinquency status : This data item is populated in all instances unless the vehicle has been (i) repossessed, (ii) paid in full or (iii) is a Liquidated Receivable per the securitization documents.-->
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