10-K

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 10-K

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

For the fiscal year ended December 31, 2022

or

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

For the transition period from to

Commission File Number of Issuing Entity: 333-260710-01

Central Index Key Number of Issuing Entity: 0001924168

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CAPITAL ONE PRIME AUTO RECEIVABLES TRUST 2022-1

(Exact Name of Issuing Entity as Specified in Its Charter)

(Issuer of the Notes)

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Commission File Number of Depositor: 333-260710

Central Index Key Number of Depositor: 0001133438

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CAPITAL ONE AUTO RECEIVABLES, LLC

(Exact Name of Depositor as Specified in Its Charter)

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Central Index Key Number of Sponsor: 0000047288

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CAPITAL ONE, NATIONAL ASSOCIATION

(Exact Name of Sponsor as Specified in Its Charter) 

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Delaware

(State or Other Jurisdiction of Incorporation or Organization of the Issuing Entity)

c/o Capital One Auto Receivables, LLC

1600 Capital One Drive

Room 27907-B

McLean, VA 22102

(Address of Principal Executive Offices of Issuing Entity)

(703) 720-3148

(Registrant’s telephone number, including area code)

84-6904808

(I.R.S. Employer Identification No. of the Issuing Entity)

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

Title of Each Class	Trading Symbol(s)	Name of Each Exchange on Which Registered
N/A	N/A	N/A

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

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Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ¨No ý

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.  Yes ¨ Noý

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 ý No ¨

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes  ý No ¨ [Rule 405 of Regulation S-T is not applicable.]

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. (Check one):

Large accelerated filer	¨	Accelerated filer	¨
Non-accelerated filer	ý	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. ¨ [Not Applicable]

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

Registrant has no voting or non-voting common equity outstanding held by non-affiliates.

Documents Incorporated by Reference. See Item 15(b).

PART I

The following Items have been omitted in accordance with General Instruction J to Form 10–K:

Item 1.	Business.
Item 1A.	Risk Factors.
Item 2.	Properties.
Item 3.	Legal Proceedings.

Item 1B. Unresolved Staff Comments.

Not applicable.

Item 4. Mine Safety Disclosures.

Not applicable.

Substitute information provided in accordance with General Instruction J to Form 10–K:

Item 1112(b) of Regulation AB. Significant Obligors of Pool Assets (Financial Information).

The pool assets held by Capital One Prime Auto Receivables Trust 2022-1 do not include any significant obligors.

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

Based on the standards set forth in Item 1114(b)(2) of Regulation AB, no information is required in response to this Item.

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

Based on the standards set forth in Item 1115(b) of Regulation AB, no information is required in response to this Item.

Item 1117 of Regulation AB: Legal Proceedings.

Owner Trustee Litigation

BNY Mellon Trust of Delaware is an affiliate of The Bank of New York Mellon, which provides support services on its behalf in connection with the Capital One Prime Auto Receivables Trust 2022-1 transaction. In the ordinary course of business, The Bank of New York Mellon is named as a defendant in or made a party to pending and potential legal actions. In connection with its role as trustee of certain residential mortgage-backed securitization (“RMBS”) transactions, The Bank of New York Mellon has been named as a defendant in a number of legal actions brought by RMBS investors. These lawsuits allege that the trustee had expansive duties under the governing agreements, including the duty to investigate and pursue breach of representation and warranty claims against other parties to the RMBS transactions. While it is inherently difficult to predict the eventual outcomes of pending actions, The Bank of New York Mellon denies liability and intends to defend the litigations vigorously.

The Bank of New York Mellon has provided us with the information under the caption “Owner Trustee Litigation” immediately above in response to the requirements of Regulation AB. Neither the Sponsor nor its affiliates is a party to any such litigation. Other than the information regarding trustee litigation immediately above, The Bank of New York Mellon has not participated in the preparation of, and is not responsible for, any other information contained in this Form 10-K.

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.
Item 6.	[Reserved.]
Item 7.	Management's Discussion and Analysis of Financial Condition and Results of Operations.
Item 7A.	Quantitative and Qualitative Disclosures about Market Risk.
Item 8.	Financial Statements and Supplementary Data.
Item 9.	Changes in and Disagreements With Accountants on Accounting and Financial Disclosure.
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.
Item 11.	Executive Compensation.
Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.
Item 13.	Certain Relationships and Related Transactions, and Director Independence.
Item 14.	Principal Accountant Fees and Services.

Substitute information provided in accordance with General Instruction J to Form 10–K:

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

Information required by Item 1119 of Regulation AB 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.

Capital One, National Association and Wilmington Trust National Association, as Indenture Trustee, (each, a “Servicing Participant”) have been identified by the registrant as a party participating in the servicing function with respect to the pool assets held by Capital One Prime Auto Receivables Trust 2022-1, the issuing entity. Each of the Servicing Participants has completed a report on assessment of compliance with the servicing criteria applicable to it (each, a “Report on Assessment”), which Reports on Assessment are attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation report (each, an “Attestation Report”) by one or more registered independent public accounting firms, which reports are also attached as exhibits to this Form 10-K.

Item 1123 of Regulation AB: Servicer Compliance Statement.

Capital One, National Association has been identified by the registrant as a servicer meeting the criteria of Item 1108(a)(2)(i), (ii) or (iii) of Regulation AB with respect to the pool assets held by Capital One Prime Auto Receivables Trust 2022-1. The Sponsor, in its capacity as the servicer, has provided a statement of compliance (a “Compliance Statement”), which has been signed by an authorized officer of the servicer. The Compliance Statement is attached as an exhibit to this Form 10-K.

PART IV

Item 15. Exhibits and Financial Statement Schedules.

(a)(1) Not Applicable.

(a)(2) Not Applicable.

(a)(3) The exhibits required by Item 601 of regulation S-K are listed in the Exhibit Index.

(b) Exhibits.

Exhibit Index

Exhibit No.	Description
1.1	Underwriting Agreement, dated as of April 26, 2022 among Wells Fargo Securities, LLC, J.P. Morgan Securities, LLC and RBC Capital Markets, LLC, each as underwriter and as representative of the several underwriters identified therein, Capital One Auto Receivables, LLC, as the Depositor, and Capital One, National Association, as the Servicer (incorporated by reference to Exhibit 1.1 of Form 8-K filed by the Issuer (Commission File No. 333-260710-01) with the Securities and Exchange Commission on April 28, 2022).
3.1	Second Amended and Restated Limited Liability Company Agreement of Capital One Auto Receivables, LLC, as Depositor, dated as of August 2, 2018 (incorporated by reference to Exhibit 3.1 of Form SF-3 filed by the Depositor (Commission File No. 333-260710) with the Securities and Exchange Commission on November 3, 2021).
4.1	Indenture, dated as of May 4, 2022, between Capital One Prime Auto Receivables Trust 2022-1, as Issuer, and Wilmington Trust, National Association, as the Indenture Trustee (incorporated by reference to Exhibit 4.1 of Form 8-K filed by the Issuer (Commission Number 333-260710-01) with the Securities and Exchange Commission on May 4, 2022).
10.1	Purchase Agreement, dated as of May 4, 2022, between Capital One, National Association, and Capital One Auto Receivables, LLC, as Purchaser (incorporated by reference to Exhibit 10.1 of Form 8-K filed by the Issuer (Commission Number 333-260710-01) with the Securities and Exchange Commission on May 4, 2022).
10.2	Asset Representations Review Agreement, dated as of May 4, 2022, among Capital One Prime Auto Receivables Trust 2022-1, as Issuer, Capital One, National Association, as Sponsor and Servicer, and Clayton Fixed Income Services LLC, as Asset Representations Reviewer (incorporated by reference to Exhibit 10.2 of Form 8-K filed by the Issuer (Commission Number 333-260710-01) with the Securities and Exchange Commission on May 4, 2022).
10.3	Sale Agreement, dated as of May 4, 2022, between Capital One Auto Receivables, LLC, as Depositor, and Capital One Prime Auto Receivables Trust 2022-1, as Purchaser (incorporated by reference to Exhibit 10.3 of Form 8-K filed by the Issuer (Commission Number 333-260710-01) with the Securities and Exchange Commission on May 4, 2022).
10.4	Servicing Agreement, dated as of May 4, 2022, by and between Capital One Prime Auto Receivables Trust 2022-1, as Issuer, Capital One, National Association, as Servicer, and Wilmington Trust, National Association, as Indenture Trustee (incorporated by reference to Exhibit 10.4 of Form 8-K filed by the Issuer (Commission Number 333-260710-01) with the Securities and Exchange Commission on May 4, 2022).
10.5	Second Amended and Restated Trust Agreement, dated as of May 4, 2022, between Capital One Auto Receivables, LLC, as the Depositor, BNY Mellon Trust of Delaware, as the Owner Trustee and acknowledged and agreed to by Wilmington Trust, National Association, as Certificate Registrar and Certificate Paying Agent (incorporated by reference to Exhibit 10.5 of Form 8-K filed by the Issuer (Commission Number 333-260710-01) with the Securities and Exchange Commission on May 4, 2022).
10.6	Administration Agreement, dated as of May 4, 2022, between Capital One Prime Auto Receivables Trust 2022-1, as Issuer, Capital One, National Association, as Administrator, and Wilmington Trust, National Association, as Indenture Trustee (incorporated by reference to Exhibit 10.6 of Form 8-K filed by the Issuer (Commission Number 333-260710-01) with the Securities and Exchange Commission on May, 4, 2022).
31.1	Certification of Capital One Auto Receivables, LLC, as Depositor, pursuant to Rule 13a-14(d)/15d-14(d) under the Securities Exchange Act of 1934.
33.1	Report on Assessment of Compliance with Servicing Criteria for Capital One, National Association, as Servicer.
33.2	Report on Assessment of Compliance with Servicing Criteria for Wilmington Trust, National Association, as Indenture Trustee.
34.1	Attestation Report of Ernst & Young LLP on Assessment of Compliance with Servicing Requirement relating to Capital One, National Association.
34.2	Attestation Report of PricewaterhouseCoopers LLP on Assessment of Compliance with Servicing Requirement relating to Wilmington Trust, National Association, as Indenture Trustee.
35.1	Servicer Compliance Statement of Capital One, National Association.

(c) Not Applicable.

Item 16.     Form 10-K Summary.

Not Applicable.

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.

Capital One Auto Receivables, LLC, as Depositor
By:	/s/ THOMAS A. FEIL
Name:	*Thomas A. Feil
Title:	President
Date:	March 24, 2023
	* Thomas A. Feil is the senior officer in charge of securitization of Capital One Auto Receivables, LLC

EX-31.1

Exhibit 31.1

CERTIFICATION PURSUANT TO RULE 13a-14(d)/15d-14(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

I, Thomas A. Feil, certify that:

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 Capital One Prime Auto Receivables Trust 2022-1 (the “Exchange Act periodic reports”);

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;

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;

4.Based on my knowledge and the servicer compliance statements 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

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.

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

Date: March 24, 2023

By:	/s/ THOMAS A. FEIL
Name:	*Thomas A. Feil
Title:	President
	Capital One Auto Receivables, LLC
	* Thomas A. Feil is the senior officer in charge of securitization of Capital One Auto Receivables, LLC

EX-33.1

Exhibit 33.1

CAPITAL ONE, NATIONAL ASSOCIATION

REPORT ON ASSESSMENT OF COMPLIANCE WITH SERVICING CRITERIA

1.Capital One, National Association (the “Asserting Party”) 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 year ended December 31, 2022 (the “Reporting Period”), as set forth in Appendix B hereto. The transactions covered by this report include asset-backed securities transactions involving motor vehicle receivables' portfolios where the related asset-backed securities were outstanding during the Reporting Period for which the Asserting Party acted as servicer (the “Platform”), as listed in Appendix A hereto;

2.The Asserting Party has engaged vendors (each, a “Vendor”), none of whom is considered a “servicer” as defined in Item 1101(j) of Regulation AB, to perform specific, limited or scripted activities, and, as permitted by Compliance and Disclosure Interpretation 200.06, Vendors Engaged by Servicers (“CD&I 200.06”), the Asserting Party elects to take responsibility for assessing compliance with the servicing criteria or portion of the servicing criteria applicable to each such Vendor’s activities as set forth in Appendix B hereto.1 The Asserting Party has policies and procedures in place designed to provide reasonable assurance that each Vendor’s activities comply in all material respects with the servicing criteria applicable to such Vendor. The Asserting Party is solely responsible for determining that it meets the SEC requirements to apply CD&I 200.06 for the Vendors (or each Vendor) and related criterion;

3.Except as set forth in paragraph 4 below, the Asserting Party used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB to assess the compliance by the Asserting Party with the applicable servicing criteria as of December 31, 2022 and for the Reporting Period with respect to the Platform taken as a whole;

4.The criteria listed in the column titled “Inapplicable Servicing Criteria” on Appendix B hereto are inapplicable to the Asserting Party based on the activities that it performs with respect to the Platform;

5.The Asserting Party has complied, in all material respects, with the applicable servicing criteria as of December 31, 2022 and for the Reporting Period with respect to the Platform taken as a whole;

6.The Asserting Party has not identified and is not aware of any material instance of noncompliance by any Vendor with the applicable servicing criteria as of December 31, 2022 and for the Reporting Period with respect to the Platform taken as a whole;

7.The Asserting Party has not identified any material deficiency in its policies and procedures to monitor the compliance by any Vendor with the applicable servicing criteria as of December 31, 2022 and for the Reporting Period with respect to the Platform taken as a whole; and

8.Ernst & Young LLP, a registered public accounting firm, has issued an attestation report on the Asserting Party’s assessment of compliance with the applicable servicing criteria as of December 31, 2022 and for the Reporting Period.

March 24, 2023

CAPITAL ONE, NATIONAL ASSOCIATION

By:	/s/ SANJIV YAJNIK
Name:	Sanjiv Yajnik
Title:	President, Financial Services

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1 Note that Wilmington Trust, National Association in its capacity as Indenture Trustee is not considered a “Vendor” for purposes of this report, and as such, will provide its own report regarding its compliance with Regulation AB.

APPENDIX A

Capital One Prime Automobile Receivables 2019-1

Capital One Prime Automobile Receivables 2019-2    

Capital One Prime Automobile Receivables 2020-1

Capital One Prime Automobile Receivables 2021-1

Capital One Prime Automobile Receivables 2022-11

Capital One Prime Automobile Receivables 2022-22

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1 Issued May 4, 2022

2 Issued August 10, 2022

Appendix B. Regulation AB Item 1122 Applicable Servicing Criteria Details

SERVICING CRITERIA		APPLICABLE SERVICING CRITERIA		INAPPLICABLE SERVICING CRITERIA
		Performed Directly by Capital One	Performed by Vendor(s) for whom Capital One is the responsible party
	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
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
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.	X1	X1
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
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
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 §240.13k-1(b)(1) of this chapter.			X
1122(d)(2)(vi)	Unissued checks are safeguarded so as to prevent unauthorized access.			X

SERVICING CRITERIA		APPLICABLE SERVICING CRITERIA		INAPPLICABLE SERVICING CRITERIA
		Performed Directly by Capital One	Performed by Vendor(s) for whom Capital One is the responsible party
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: (A) are mathematically accurate; (B) are prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) are 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
	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
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.	X2		X2
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
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
	Pool Asset Administration
1122(d)(4)(i)	Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents.	X3	X3
1122(d)(4)(ii)	Pool Asset and related documents are safeguarded as required by the transaction agreements.	X3	X3
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.	X4
1122(d)(4)(iv)	Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the applicable 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 pool asset documents.	X5	X5
1122(d)(4)(v)	The servicer’s records regarding the pool assets agree with the servicer’s records with respect to an obligor’s unpaid principal balance.	X

SERVICING CRITERIA		APPLICABLE SERVICING CRITERIA		INAPPLICABLE SERVICING CRITERIA
		Performed Directly by Capital One	Performed by Vendor(s) for whom Capital One is the responsible party
1122(d)(4)(vi)	Changes with respect to the terms or status of an obligor's pool assets (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
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
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 pool asset 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 pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the transaction agreements.			X
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
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.	X6

__________

1 1122(d)(2)(i): The Asserting Party is responsible for assessing compliance with this Servicing Criteria. To the extent funds are received by vendors for which the Asserting Party takes responsibility, such vendors deposit such amounts into the Asserting Party’s designated account.

2 1122(d)(3)(ii): The Asserting Party was responsible for the allocation of funds due to investors. The Indenture Trustee was responsible for remitting such funds to investors at the direction of the Asserting Party.

3 1122(d)(4)(i) and 1122(d)(4)(ii): The Asserting Party utilizes certain vendors for which it takes responsibility to store documents with respect to pool assets in accordance with the transaction agreements.

4 1122(d)(4)(iii): There were no additions, substitutions or removals as of and for the year ended December 31, 2022.

5 1122(d)(4)(iv): The Asserting Party was responsible for the remittance of electronic payments on pool assets and for the servicing functions related to the allocation and posting of payments on pool assets. Certain vendors for which the Asserting Party takes responsibility were responsible for the opening, listing and depositing of remittance payments mailed to post office boxes serviced by the Asserting Party.

6 1122(d)(4)(xv): There were no external enhancements or other support as of and for the year ended December 31, 2022.

EX-33.2

Exhibit 33.2

Management Assessment Report

Management of Wilmington Trust National Association (the Company) is responsible for assessing compliance with the applicable servicing criteria set forth in Item 1122(d)(2)(ii), 1122(d)(2)(iv), 1122(d)(2)(v), 1122(d)(3)(i), 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, 2022.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, 2022.In making this assessment, management used the criteria set forth by the Securities and Exchange Commission in criterion (d)(2)(ii), (d)(2)(iv), (d)(2)(v), (d)(3)(i), (d)(3)(ii), (d)(3)(iii) and (d)(3)(iv) of Item 1122 of Regulation AB.The activities the Company performs with respect to the applicable 1122(d) servicing criteria are listed on the attached Appendix A.

With respect to the Company’s obligation to issue a notification to be included in the client’s Form 8-K. Form 10-D and Form 10-K under applicable servicing criterion 1122(d)(3)(i), there were no activities performed during the year ended December 31, 2022, with respect to the Platform, because there were no occurrences of events that would require the Company to perform such activities.

Based on such assessment, management believes that, as of and for the year ended December 31, 2022, the Company has complied in all material respects with the servicing criteria set forth in Item 1122(d)(2)(ii), 1122(d)(2)(iv), 1122(d)(2)(v), 1122(d)(3)(i), 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, 2022.

/s/ PATRICK TADIE

Name: Patrick Tadie

Title: Group Vice President

            ICS Global Capital Markets

Date: February 28, 2023

1

Appendix A

2021

Overview of Applicable Servicing Criteria and Associated Platform Transactions

ABS - Auto

Transactions	Item 1122	Applicable Activity
Santander Drive Auto Receivable Trust 2016-2	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
Santander Drive Auto Receivable Trust 2016-3	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
DRIVE Auto Receivables Trust 2017-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2017-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2017-3	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.

2

Transactions	Item 1122	Applicable Activity
Fifth Third Auto Trust 2017-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2018-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2018-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2018-3	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items

3

Transactions	Item 1122	Applicable Activity
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2018-4	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2018-5	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2018-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.

4

Transactions	Item 1122	Applicable Activity
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2018-3	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2018-4	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2019-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement

5

Transactions	Item 1122	Applicable Activity
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2019-3	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2019-4	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
Fifth Third Auto Trust 2019-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.

6

Transactions	Item 1122	Applicable Activity
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
Capital One Prime Auto Trust 2019-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
Capital One Prime Auto Trust 2019-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
Capital One Prime Auto Trust 2020-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.

7

Transactions	Item 1122	Applicable Activity
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2020-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2020-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.

8

Transactions	Item 1122	Applicable Activity
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2020-3	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2020-4	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2020-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement

9

Transactions	Item 1122	Applicable Activity
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2020-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2021-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2021-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.

10

Transactions	Item 1122	Applicable Activity
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
World Omni Auto Owner Trust 2021-B	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
World Omni Auto Lease Securitization Trust 2021-A	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
World Omni Auto Owner Trust 2021-C	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel

11

Transactions	Item 1122	Applicable Activity
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
World Omni Select Auto Trust 2021-A	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
Capital One Prime Auto Receivables Trust 2021-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement

12

Transactions	Item 1122	Applicable Activity
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2021-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2021-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2021-3	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
Capital One Prime Auto Receivables Trust 2022-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.

13

Transactions	Item 1122	Applicable Activity
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
Capital One Prime Auto Receivables Trust 2022-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2022-1	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2022-2	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2022-3	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items

14

Transactions	Item 1122	Applicable Activity
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2022-4	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2022-5	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2022-6	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
World Omni Auto Receivables Trust 2022-D	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.

15

Transactions	Item 1122	Applicable Activity
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
World Omni Auto Lease Securitization Trust 2022-A	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2022-3	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
CarMax Auto Owner Trust 2022-4	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel
	(d)(2)(iv)	Company’s obligation: The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (eg., with respect to commingling of cash) as set forth in the transaction agreements.
	(d)(2)(v)	Company’s obligation: 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.
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
DRIVE Auto Receivables Trust 2022-7	(d)(2)(ii)	Company’s obligation: Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel

16

Transactions	Item 1122	Applicable Activity
	(d)(3)(i)	Company’s obligation to issue a notification of any activity giving rise to Form 10-D or Form 8-K disclosure items
	(d)(3)(ii)	Company’s obligation: Amounts due to investors are allocated and remitted in accordance with time frames, distribution priority and other terms set forth in the transaction agreement
	(d)(3)(iii)	Company’s obligation: 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.
	(d)(3)(iv)	Company’s obligation: Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.

17

EX-34.1

Exhibit 34.1

Report of Independent Registered Public Accounting Firm

Capital One, National Association

We have examined management’s assertion, included in the accompanying Report on Assessment of Compliance with Servicing Criteria, that Capital One, 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 the asset-backed securities transactions involving motor vehicle receivables’ portfolios where the related asset backed securities of Capital One Prime Auto Receivables Trusts - COPAR 2019-1, COPAR 2019-2, COPAR 2020-1, and COPAR 2021-1 were outstanding during the period covered by this report as of and for the year ended December 31, 2022, for COPAR 2022-1, was outstanding for the period from May 04, 2022 to December 31, 2022 and for COPAR 2022-2, was outstanding for the period from August 10, 2022 to December 31, 2022 which the Company acted as Servicer (the “Platform”) and except for servicing criteria 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)(iii), 1122(d)(3)(iv), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), and 1122(d)(4)(xiii), which the Company has determined are not applicable to the activities performed by them with respect to the servicing Platform covered by this report. Refer to Appendix A of management’s Report on Assessment of Compliance with Servicing Criteria for the asset backed securities covered by the Platform. Management is responsible for the Company’s compliance with those servicing criteria. 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 attestation standards established by the American Institute of Certified Public Accountants, and the Public Company Accounting Oversight Board (United States) 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 less than all of the individual asset backed transactions and securities that comprise the Platform, testing of less than all of the servicing activities related to the Platform and determining whether the Company processed those selected transactions and performed those selected activities in compliance with the servicing criteria and as permitted by Regulation AB Compliance and Disclosure Interpretations of the Division of Corporation Finance, Section 200.06, “Vendors Engaged by Servicers” (“C&DI 200.06”). Furthermore, 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 determine whether errors may have occurred either 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 for the selected transactions or any other transactions. Although the Company is responsible for assessing compliance with servicing criteria (d)(4)(iii) and (d)(4)(xv) of Regulation AB, there were no servicing activities performed by the Company during the year ended December 31, 2022, that required these servicing criteria to be complied with. We believe that the evidence we obtained is sufficient and appropriate to provide a reasonable basis for our opinion.

We are required to be independent of Capital One, National Association and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements related to our examination engagement.

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

As described in management’s assertion, for servicing criteria 1122(d)(2)(i), 1122(d)(4)(i), 1122(d)(4)(ii), and 1122(d)(4)(iv) as applicable, the Company has engaged various vendors to perform the activities required by these 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 applicable servicing criteria applicable to each vendor as permitted by 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 servicing criteria applicable to each vendor. 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 eligibility to apply C&DI 200.06.

In our opinion, management’s assertion that the Company complied with the servicing criteria set forth in Item 1122 (d) of the Securities and Exchange Commission’s Regulation AB, including servicing criteria 1122(d)(2)(i), 1122(d)(4)(i), 1122(d)(4)(ii), and 1122(d)(4)(iv) for which compliance is determined based on C&DI 200.06 as described above, as of and for the year ended December 31, 2022 for the COPAR 2019-1, COPAR 2019-2, COPAR 2020-1 and COPAR 2021-1 trusts, for the period from May 04, 2022 to December 31, 2022 for the COPAR 2022-1 trust and, for the period from August 10, 2022 to December 31, 2022 for the COPAR 2022-2 trust is fairly stated, in all material respects.

/s/ Ernst & Young LLP

March 24, 2023

EX-34.2

Exhibit 34.2

Report of Independent Registered Public Accounting Firm

To theManagement 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) (2)(ii), 1122(d)(2)(iv), 1122(d)(2)(v), 1122(d)(3)(i), 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, 2022 and for the year then ended. Appendix A to Management’s Assessment Report identifies the individual asset-backed transactions and securities and applicable criteria 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 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, 2022for the Platform is fairly stated, in all material respects.

/s/ PricewaterhouseCoopers LLP

Buffalo, NY

February 28, 2023

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EX-35.1

Exhibit 35.1

SERVICER COMPLIANCE STATEMENT

CAPITAL ONE PRIME AUTO RECEIVABLES TRUST 2022-1

Capital One Prime Auto Receivables Trust 2022-1

c/o Capital One Auto Receivables, LLC

1600 Capital One Drive, Room 27907-B

McLean, Virginia 22102

In connection with the Annual Report on Form 10-K of Capital One Prime Auto Receivables Trust 2022-1 for the fiscal year ended December 31, 2022 (the “Report”), the undersigned, a duly authorized officer of Capital One, National Association (the “Servicer”), does hereby certify and represent that:

1.A review of the activities and performance of the Servicer under the Servicing Agreement dated as of May 4, 2022 (the “Servicing Agreement”) by and between Capital One Prime Auto Receivables Trust 2022-1, as Issuer, the Servicer and Wilmington Trust, National Association, as Indenture Trustee, during the period that is the subject of the Report has been made under my supervision.

2.     To the best of my knowledge, based on such review, the Servicer has fulfilled all of its obligations under the Servicing Agreements in all material respects throughout the period that is the subject of the Report.

IN WITNESS WHEREOF, the undersigned has duly executed this Servicer Compliance Statement this 24th day of March, 2023.

CAPITAL ONE, NATIONAL ASSOCIATION

By:	/s/ SANJIV YAJNIK
Name:	Sanjiv Yajnik
Title:	President, Financial Services