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 General Comments - Harley-Davidson Motorcycle Trust 2023-A (the "Issuer")

		Asset Related Document

		This Asset Related Document ("ARD") provides narrative to explain the asset-level data reported in Exhibit 102 to the Form ABS-EE. You should read this ARD and the prospectus for the securities issued by the Issuer completely to understand fully the asset-level data.

		For purposes of this ARD, the term "receivable" means any receivable, asset, contract or loan as referred to in 17 CFR 229.1125 (Item 1125 of Regulation AB) Schedule AL - Asset-level information ("Schedule AL"). References to items are references to specific asset level data points listed in Schedule AL.

		Explanatory Narrative

		General Narrative

		Omitted Items. Always Omitted. Schedule AL items are omitted if inapplicable to the type of receivables in the securitized pool or to this securitization transaction. For this securitization transaction, items 3(c)(9) Original interest-only term, 3(f)(10) Servicing fee - flat-fee, 3(f)(11) Other loan-level servicing fee(s) retained by servicer, and 3(g)(2) Most recent servicing transfer received date are always omitted.

		Omitted if Status Not Applicable. Schedule AL items for account status information, such as those for zero balance, modifications, repossessed, liquidated, or subject to a repurchase demand, are omitted if the receivable is not in the particular status in the reporting period. This applies to items 3(f)(24)(i) Zero balance effective date and 2(f)(24)(ii) Zero balance code, items 3(h)(1) through 3(h)(5) for Loans subject to repurchase demand, item 3(i)(1) Charged off principal amount and 3(i)(2) Amounts recovered, item 3(j)(1) Modification type and 3(j)(2) Payment extensions, and item 3(k)(1) Repossessed proceeds.

		Actual Amounts Collected and Retained by Harley-Davidson Credit Corp. Amounts reported in the Actual Amounts Collected Data Items that relate to a period before the cutoff date for the securitization transaction are ratined by Harley-Davidson Credit Corp. and are not paid by the servicer to the Trust and the Trust is not entitled to receive these amounts.  The amounts for any reporting period may not be representative or predictive of future collections on any receivable or the pool of receivables.

		Asset-Level Data May Not Match Securitized Pool Prospectus Disclosures.  Asset-level data reported for items 3(c)(4) Original loan term and 3(f)(2) Remaining term to maturity may not match the aggregated, weighted average and distribution data for original term and remaining term for the securitized pool of receivables in "The Contracts" section of the Prospectus due to differences in how term is required to be calculated for asset-level data and how it is calculated for the securitized pool.-->


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	3(c)(4) Original loan term. Original loan term is the number of months from and including the origination date to and including the original maturity date of the receivable with a partial month (even one day) reported as one month. Original loan term is presented in the Prospectus as the actual number of payment cycles over the life of the contract and therefore this Original loan term may not equal the term of a receivable as described in the Prospectus.
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	3(c)(5) Loan maturity date. Loan maturity date is the current final maturity date of the receivable after giving effect to payment extensions and payment due date changes.
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	3(c)(11) Underwriting indicator. Reported value is "true" for any receivable in respect of which the credit application for the related receivable was automatically approved, as described in the Prospectus.
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	3(c)(12) Grace Period. Grace period is the number of months from and including the origination date to but excluding the month of the first payment date with a partial month (even one day) reported as one month.
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	3(c)(14) Subvention. Subvented loans are those where Eaglemark Savings Bank, as the originator, received a subsidy payment from Harley-Davidson Motor Company to supplement the revenues of the contract.
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	3(d)(6) Vehicle value. Vehicle value for new and used vehicles is described in the Prospectus.
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	3(d)(7) Source of vehicle value. The source of the reported vehicle value for new and used vehicles is described in the Prospectus.
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	3(e)(3) Obligor income verification level. A response of "2" for this item means that the related obligor was not asked for additional verification of the income information reported on the credit application. A response of "3" for this item means that the related obligor was asked to provide, and the Company received, additional verification of the income reported on the credit application or reported through the underwriting or verification process.
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	3(e)(4) Obligor employment verification. A response of "2" for this item means that the related obligor was not asked for additional verification of the employment information reported on the credit application.
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	3(e)(6) Payment-to-income ratio. The payment-to-income ratio is determined by dividing the monthly payment as reported on the contract 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.
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	3(e)(7) Geographic location of obligor. This data item can include military postal codes (i.e., AA, AE, AP) 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.
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	3(f)(2) Remaining Term to Maturity. Remaining term to maturity is the number of months from and excluding the reporting period end date to and including the current maturity date of the receivable with a partial month (even one day) reported as one month. Remaining term to maturity is reported as "0" for reporting periods after the receivable`s current maturity date.  The methodology used to report remaining term in the Prospectus treats the term as a number of contractually required monthly payments to be received from the related obligor in order to pay the loan in full.
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	3(f)(6) Next reporting period payment amount due. Reported amount is the total amount of interest and principal due to be paid in the next reporting period in respect of the related receivable, including the amount of any past due principal and interest outstanding at the end of the current reporting period. 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 contract pursuant to the definition in the Prospectus.
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	3(f)(7) Reporting Period Interest Rate. Reported rate is the interest rate that was in effect for the related receivable as of the end of the prior reporting period.
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	3(f)(8) Next Interest Rate. Reported rate is the interest rate that was in effect for the related receivable as of the end of the current reporting period.
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	3(f)(13) Scheduled interest amount. Reported amount is the monthly interest payment due in respect of the related receivable, calculated using an amortization schedule from the related origination date, a 30/360 day count methodology and assuming that full payment of monthly principal and interest due in respect of such receivable is received on each due date. The reported amount does not reflect the actual timing and amount of payments received, modifications, or extensions on the receivable after origination. 0.00 is reported when the contract is paid in full or is a liquidated contract pursuant to the definition in the Prospectus.
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	3(f)(14) Scheduled principal amount. Reported amount is the monthly principal payment due in respect of the related receivable, calculated using an amortization schedule from the related origination date, a 30/360 day count methodology and assuming that full payment of monthly principal and interest due in respect of such receivable is received on each due date. The reported amount does not reflect the actual timing and amount of payments received, modifications, or extensions on the receivable after origination. 0.00 is reported when the contract is paid in full or is a liquidated contract pursuant to the definition in the Prospectus.
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	3(f)(15) Other principal adjustments. If the principal amount otherwise reportable in 3(f)(20) Actual principal collected is negative, then such negative principal amount is reported in this field. Additionally, the reported amount includes any non-cash adjustments to principal, including principal waives and small balance write-offs. 0.00 is reported when the contract is a liquidated contract pursuant to the definition in the Prospectus; such amounts are reported in 3(i)(2) Amounts recovered.
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	3(f)(17) Reporting period scheduled payment amount. Reported amount is the total payment amount (including principal and interest) due to be paid in respect of the related receivable in the current reporting period, as calculated at origination of such receivable.
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	3(f)(18) Total actual amount paid. Reported amount is equal to the sum of items 3(f)(19) Actual interest collected, 3(f)(20) Actual principal collected and 3(f)(21) Actual other amounts collected. 0.00 is reported when the contract is a liquidated contract pursuant to the definition in the Prospectus. Amounts received on such liquidated contract are reported in data items 3(i)(2) Amounts recovered and, if applicable, in 3(k)(1) Repo proceeds.
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	3(f)(19) Actual interest collected. Reported amount will be "0.00" if the aggregate amount of interest collections in respect of such receivable during the current reporting period, net of the aggregate amount of any adjustments made to interest collections in respect of such receivable during the current reporting period, is less than zero. 0.00 is reported when the contract is a liquidated contract pursuant to the definition in the Prospectus. Amounts received on such liquidated contract are reported in data items 3(i)(2) Amounts recovered and, if applicable, in 3(k)(1) Repo proceeds.
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	3(f)(20) Actual principal collected. Reported amount will be "0.00" if the aggregate amount of principal collections in respect of such receivable during the current reporting period, net of the aggregate amount of any adjustments made to principal collections in respect of such receivable during the current reporting period, is less than zero. 0.00 is reported when the contract is a liquidated contract pursuant to the definition in the Prospectus. Amounts received on such liquidated contract are reported in data items 3(i)(2) Amounts recovered and, if applicable, in 3(k)(1) Repo proceeds.
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	3(f)(21) Actual other amounts collected. Reported amount will be "0.00" if the aggregate amount of other collections in respect of such receivable during the current reporting period, net of the aggregate amount of any adjustments made to other collections in respect of such receivable during the current reporting period, is less than zero. 0.00 is reported when the contract is a liquidated contract pursuant to the definition in the Prospectus. Reported amounts generally consist of payments of late fees and insufficient funds fees.
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	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.
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	3(f)(25) Current delinquency status. This data item is populated in all instances unless the vehicle has been paid in full or is a Liquidated Receivable per the securitization documents. Accounts that are paid ahead are reported as 0.
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	3(h)(1) Status of asset subject to demand. Status of asset subject to demand is reported as "98" (Other) if the servicer received and is investigating a repurchase demand.
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	3(i)(1) Charged off principal amount. This data item captures the end of period principal balance of contracts that became liquidated contracts during the reporting period, pursuant to the definition of Liquidated Contract in the Prospectus. The amount may represent charged off principal but, in certain instances, a receivable can be considered liquidated according to the definition in the Prospectus, but not charged off by the servicer.
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	3(i)(2) Amounts Recovered. This data item captures principal and interest amounts, net of recovery expenses, collected during the reporting period on liquidated contracts, pursuant to the definition in the Prospectus. Liquidated contracts may have been deemed liquidated in the current period or in a prior period. Amounts reported herein are not reported under items 3(f)(15) Other principal adjustments, 3(f)(18) Total actual amount paid, 3(f)(19) Actual interest collected, or 3(f)(20) Actual principal collected.
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	3(j)(1) Modification type. Modification type is reported as "4" (Extension), and not as "3" (Term), if the receivable received a payment extension in the reporting period. A value of "98" (Other) is reported for (i) a due date change, regardless if the change does not have the effect of causing the related due date to move into a subsequent calendar month, or (ii) a change in the scheduled payment amount, generally pursuant to the Servicemembers Civil Relief Act of 2003.
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	3(k) Repossessed. This data item 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.
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	3(k)(1) Repossessed proceeds. This item includes collections received during the reporting period from the sale of the repossessed motorcycle, minus auction expenses and repossession fees, that are applied to unpaid principal and interest under the contract. Amounts reported herein are also reported under item 3(i)(2) Amounts Recovered. Amounts reported herein are not reported under items 3(f)(15) Other principal adjustments, 3(f)(18) Total actual amount paid, 3(f)(19) Actual interest collected, or 3(f)(20) Actual principal collected.
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