Common use of Individual Characteristics Clause in Contracts

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.94%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67; (v) no Receivable has a scheduled maturity date later than October 7, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.49% and not more than 13.9417.94%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 8 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67803.01; (v) no Receivable has a scheduled maturity date later than October 7December 28, 20202015; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivableNoteholders.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months [ ] month[s] or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer FTH LLC to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan minivan, or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9412.01%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 2 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.674.00; (v) no Receivable has a scheduled maturity date later than October January 7, 20202019; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months [ ] month[s] or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer [Originator] to be adverse to the IssuerFTH LLC; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehicleminivan; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9412.52%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7September 12, 20202018; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9410.99%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 10 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671.86; (v) no Receivable has a scheduled maturity date later than October 7February 17, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9413.81%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,004.00; (v) no Receivable has a scheduled maturity date later than October 7February 2, 20202017; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9413.81%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,004.00; (v) no Receivable has a scheduled maturity date later than October 7February 2, 20202017; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months [ ] month[s] or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI the Seller or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.94%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67; (v) no Receivable has a scheduled maturity date later than October 7, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9410.99%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 10 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671.86; (v) no Receivable has a scheduled maturity date later than October 7February 17, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehicleminivan; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9412.47%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7December 5, 20202017; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months [ ] month[s] or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.002.00% and not more than 13.9417.49%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 2 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67804.03; (v) no Receivable has a scheduled maturity date later than October 7January 22, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each Receivable Receivables has the following individual characteristics as of the its respective Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehiclemotorcycle; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.40% and not more than 13.949.50%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the its respective Cut-Off Date, of 12 four months or more; (iv) each Receivable has had an Outstanding original Principal Balance as of the less than or equal to $100,000; (v) each Receivable has a Principal Balance on its respective Cut-Off Date of greater than or equal to $2,394.67500; (vvi) no Receivable has a scheduled maturity date later than October 7May 31, 20202009; (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as the Originator has not received notice that any Obligor under a Receivable has filed for bankruptcy, and to the best of the Cut-off DateOriginator's knowledge without any independent investigation, no Receivable Obligor was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable;, and scheduled payments under each Receivable have been applied in accordance with the method for allocating principal and interest set forth in the Receivable; and (xxi) each of the Receivables were selected using no materially adverse selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivableprocedures.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months [ ] month[s] or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivableNoteholders.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.94%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7July 31, 2020;2027; Schedule I-1 Schedule I to the Purchase Agreement (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle;; and (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehicleminivan; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9412.52%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7September 12, 20202018; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehicleminivan; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9412.47%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7December 5, 20202017; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.002.00% and not more than 13.9417.94%; (iii) each Receivable had an original term to maturity of not more than 72 84 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67818.11; (v) no Receivable has a scheduled maturity date later than October 7April 30, 20202022; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivableNoteholders.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9414.43%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7January 4, 20202016; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9410.99%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 5 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,999.98; (v) no Receivable has a scheduled maturity date later than October 7September 13, 20202019; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9414.43%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7January 4, 20202016; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 13.9412.01%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 2 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.674.00; (v) no Receivable has a scheduled maturity date later than October January 7, 20202019; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.001.74% and not more than 13.9417.44%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 16 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 8 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67808.50; (v) no Receivable has a scheduled maturity date later than October 7May 3, 20202018; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) To the best of the Bank’s knowledge, each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months or morenot less than [ ] months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due delinquent as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in identified on the records of VCI or the Servicer Bank’s servicing systems as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were Receivable was selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each Receivable has The Receivables have the following individual characteristics as of the Cut-Off Date: Initial Cutoff Date (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; Motor Vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.002.90% and not more than 13.9415.49%; ; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Initial Cutoff Date, of 12 6 months or more; ; (iv) each Receivable has had an Outstanding Initial Principal Balance as of the Cut-Off less than or equal to $106,657.31; (v) each Receivable has a Cutoff Date Principal Balance of greater than or equal to $2,394.67; 500; (vvi) no Receivable has a scheduled maturity date later than October 7November 20, 2020; 2009; (vivii) no Receivable was more than 30 29 days past due as of the Cut-Off Cutoff Date; ; (viiviii) as of the Cut-off Date, no Receivable Financed Vehicle was noted in the related records of VCI or the Servicer M&I Bank as being the subject of any pending bankruptcy or insolvency proceeding; proceeding as of the Initial Cutoff Date; (viiiix) no Receivable is subject to a force-force placed Physical Damage Insurance Policy on the related Financed Vehicle; ; (ixx) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable. The Receivables were selected using selection procedures that were not intended by M&I Bank or Dealer Finance to be adverse to the Seller.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9415.99%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000; (v) no Receivable has a scheduled maturity date later than October 7March 28, 20202014; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable Receivables has the following individual characteristics as of the its respective Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehiclemotorcycle; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.40% and not more than 13.949.50%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the its respective Cut-Off Date, of 12 four months or more; (iv) each Receivable has had an Outstanding original Principal Balance as of the less than or equal to $100,000; (v) each Receivable has a Principal Balance on its respective Cut-Off Date of greater than or equal to $2,394.67500; (vvi) no Receivable has a scheduled maturity date later than October 7, 2020;; --------- (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as the Originator has not received notice that any Obligor under a Receivable has filed for bankruptcy, and to the best of the Cut-off DateOriginator's knowledge without any independent investigation, no Receivable Obligor was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable;, and scheduled payments under each Receivable have been applied in accordance with the method for allocating principal and interest set forth in the Receivable; and (xxi) each of the Receivables were selected using no materially adverse selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivableprocedures.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.002.00% and not more than 13.9417.94%; (iii) each Receivable had an original term to maturity of not more than 72 84 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67818.11; (v) no Receivable has a scheduled maturity date later than October 7April 30, 20202022; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.19% and not more than 13.9417.94%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 8 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67800.00; (v) no Receivable has a scheduled maturity date later than October 7March 24, 20202015; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each Receivable has The Receivables have the following individual characteristics as of the Cut-Off close of business of the Servicer on the Cutoff Date: : (i) each Receivable is the obligations of the Obligors on the Receivables are secured by a security interests in the respective new or used automobileautomobiles, minivan vans or sport utility vehicle; light trucks which were purchased thereunder; (ii) each Receivable has an APR of no less than 0.00at least 15% and not more than 13.9430%; ; (iii) each Receivable had a remaining maturity of not less than 3 months and not more than 59 months; (iv) each Receivable had, as of the Cutoff Date, a remaining principal balance of not more than $30,000; (v) no Financed Vehicle had been repossessed as of the Cutoff Date under the related Contract; (vi) no Receivable is a Liquidated Receivable as of the Cutoff Date; (vii) each Receivable is a retail motor vehicle installment sales contract; (viii) each Receivable, at origination, provided for allocation of payments between principal and interest by the Simple Interest Method, the Rule of 78s Method or the Actuarial Method; (ix) each Receivable, at origination, had an original term to maturity of not more than 72 months and not less than 18 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67; 60 months; (v) no Receivable has a scheduled maturity date later than October 7, 2020; (vix) no Receivable was more acquired as part of a bulk transfer or bulk acquisition other than 30 days past due as of the Cut-Off Date; from SunStar Acceptance Corporation (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerCalifornia); and and (xi) the Dealer of the Financed Vehicle at least one payment has no participation in, or other right been made by an Obligor with respect to receive, any proceeds of such each Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9413.44%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 74 months or moreand not less than 1 month; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7February 26, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Seller to be adverse to the Issuer; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9420.00%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000; (v) no Receivable has a scheduled maturity date later than October 7December 5, 20202012; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.19% and not more than 13.9417.94%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 8 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67800.00; (v) no Receivable has a scheduled maturity date later than October 7March 24, 20202015; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivableNoteholders.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.00% and not more than 13.9416.34%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 8 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67800.00; (v) no Receivable has a scheduled maturity date later than October 7August 15, 20202014; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.000.90% and not more than 13.943.88%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 74 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,055.45; (v) no Receivable has a scheduled maturity date later than October 7June 26, 20202019; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Seller to be adverse to the Issuer; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9413.65%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 1 month; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,000.43; (v) no Receivable has a scheduled maturity date later than October 7May 31, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Seller to be adverse to the Issuer; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.000.000% and not more than 13.9420.481%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 4 months or more; (iv) each Receivable had an original Outstanding Principal Balance less than or equal to $125,000; (v) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.672,000; (vvi) no Receivable has a scheduled maturity date later than October 7April 20, 20202009; (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable; (xxi) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xixii) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9412.34%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,003.35; (v) no Receivable has a scheduled maturity date later than October 731, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were Receivable was selected using selection procedures that were not known or intended by VCI or the Servicer FTH LLC to be adverse to the IssuerPurchaser; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.000.90% and not more than 13.943.88%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 74 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,055.45; (v) no Receivable has a scheduled maturity date later than October 7June 26, 20202019; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the IssuerFTH LLC; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.74% and not more than 13.9417.94%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 8 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67800.00; (v) no Receivable has a scheduled maturity date later than October 716, 20202015; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9414.250%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,032.79; (v) no Receivable has a scheduled maturity date later than October 7December 9, 20202014; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9412.34%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,003.35; (v) no Receivable has a scheduled maturity date later than October 731, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were Receivable was selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the IssuerFTH LLC; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9420.00%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 2 months or more; (iv) each Receivable had an original Outstanding Principal Balance less than or equal to $125,000; (v) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,100; (vvi) no Receivable has a scheduled maturity date later than October 7August 20, 20202009; (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable; (xxi) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xixii) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9412.34%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,003.35; (v) no Receivable has a scheduled maturity date later than October 731, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were Receivable was selected using selection procedures that were not known or intended by VCI or the Servicer Seller to be adverse to the Issuer; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.74% and not more than 13.9417.94%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 8 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67800.00; (v) no Receivable has a scheduled maturity date later than October 716, 20202015; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivableNoteholders.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9415.99%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more;; Schedule I to the Purchase Agreement (VALET 2008-1) (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000; (v) no Receivable has a scheduled maturity date later than October 7March 28, 20202014; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9413.44%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 74 months or moreand not less than 1 month; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7February 26, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the IssuerFTH LLC; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9413.65%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 1 month; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,000.43; (v) no Receivable has a scheduled maturity date later than October 7May 31, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer FTH LLC to be adverse to the IssuerPurchaser; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9414.250%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,032.79; (v) no Receivable has a scheduled maturity date later than October 7December 9, 20202014; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.002.00% and not more than 13.9417.94%; (iii) each Receivable had an original term to maturity of not more than 72 84 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67818.11; (v) no Receivable has a scheduled maturity date later than October 7, 2020[●]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each Receivable Receivables has the following individual characteristics as of the its respective Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehiclemotorcycle; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.40% and not more than 13.949.50%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the its respective Cut-Off Date, of 12 four months or more;; Schedule I to the Sale and Servicing Agreement (iv) each Receivable has had an Outstanding original Principal Balance as of the less than or equal to $100,000; (v) each Receivable has a Principal Balance on its respective Cut-Off Date of greater than or equal to $2,394.67500; (v) no Receivable has a scheduled maturity date later than October 7, 2020; (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as the Originator has not received notice that any Obligor under a Receivable has filed for bankruptcy, and to the best of the Cut-off DateOriginator's knowledge without any independent investigation, no Receivable Obligor was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable;, and scheduled payments under each Receivable have been applied in accordance with the method for allocating principal and interest set forth in the Receivable; and (xxi) each of the Receivables were selected using no materially adverse selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivableprocedures.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 [ ] months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 [ ] months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the IssuerPurchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.00% and not more than 13.9416.34%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 8 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67800.00; (v) no Receivable has a scheduled maturity date later than October 7August 15, 20202014; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such ReceivablePurchaser.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9411.24%; (iii) each Receivable had an original term to maturity of not more than 72 84 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,001.04; (v) no Receivable has a scheduled maturity date later than October 7January 2, 20202022; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were Receivable was selected using selection procedures that were not known or intended by VCI or the Servicer Seller to be adverse to the Issuer; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9420.00%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 2 months or more; (iv) each Receivable had an original Outstanding Principal Balance less than or equal to $125,000; (v) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,100; (vvi) no Receivable has a scheduled maturity date later than October 7August 20, 20202009; (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable; (xxi) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xixii) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.005.00% and not more than 13.9418.24%; (iii) each Receivable had an original term to maturity of not more than 72 84 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 6 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.673,000.59; (v) no Receivable has a scheduled maturity date later than October 7February 28, 20202015; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI the Seller or the Servicer to be adverse to the Issuer; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable Receivables has the following individual characteristics as of the its respective Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehiclemotorcycle; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.40% and not more than 13.949.50%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the its respective Cut-Off Date, of 12 four months or more; (iv) each Receivable has had an Outstanding original Principal Balance as of the less than or equal to $100,000; (v) each Receivable has a Principal Balance on its respective Cut-Off Date of greater than or equal to $2,394.67500; (vvi) no Receivable has a scheduled maturity date later than October 7May 31, 20202009; (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as the Originator has not received notice that any Obligor under a Receivable has filed for bankruptcy, and to the best of the Cut-off DateOriginator's knowledge without any independent investigation, no Receivable Obligor was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-force placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable;, and scheduled payments under each Receivable have been applied in accordance with the method for allocating principal and interest set forth in the Receivable; and (xxi) each of the Receivables were selected using no materially adverse selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivableprocedures.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.000.000% and not more than 13.9418.690%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 2 months or more; (iv) each Receivable had an original Outstanding Principal Balance less than or equal to $124, 257.42; (v) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67128.13; (vvi) no Receivable has a scheduled maturity date later than October 7December 6, 20202011; (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable; (xxi) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xixii) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; (ii) each Receivable has an APR of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 [ ] months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9413.44%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 74 months or moreand not less than 1 month; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,000.00; (v) no Receivable has a scheduled maturity date later than October 7February 26, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer FTH LLC to be adverse to the IssuerPurchaser; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck or sport utility vehiclevan; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[—]% and not more than 13.94[—]%; (iii) each Receivable had an original term to maturity of not more than 72 [—] months and not less than 18 [—] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than [—] months or moreand not less than [—] months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.67[—]; (v) no Receivable has a scheduled maturity date later than October 7[—] [—], 202020[—]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.000.90% and not more than 13.943.88%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 74 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,055.45; (v) no Receivable has a scheduled maturity date later than October 7June 26, 20202019; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer FTH LLC to be adverse to the IssuerPurchaser; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has The Receivables have the following individual characteristics as of the Cut-Off Date: Cutoff Date (i) each Receivable is secured by a new or used automobile, minivan or sport utility vehicle; Motor Vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.002.75% and not more than 13.9416.97%; ; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Cutoff Date, of 12 6 months or more; ; (iv) each Receivable has had an Outstanding Initial Principal Balance as of the Cut-Off less than or equal to $142,422.30; (v) each Receivable has a Cutoff Date Principal Balance of greater than or equal to $2,394.67; 500; (vvi) no Receivable has a scheduled maturity date later than October 7December 17, 2020; 2011; (vivii) no Receivable was more than 30 29 days past due as of the Cut-Off Cutoff Date; ; (viiviii) as of the Cut-off Date, no Receivable Financed Vehicle was noted in the related records of VCI or the Servicer M&I Bank as being the subject of any pending bankruptcy or insolvency proceeding; proceeding as of the Cutoff Date; (viiiix) no Receivable is subject to a force-force placed Physical Damage Insurance Policy on the related Financed Vehicle; ; (ixx) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable. The Receivables were selected using selection procedures that were not intended to be adverse to the Seller.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9420.00%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.671,000; (v) no Receivable has a scheduled maturity date later than October 7December 5, 20202012; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (x) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.000.000% and not more than 13.9420.481%; (iii) each Receivable had an original term to maturity of not more than 72 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 4 months or more; (iv) each Receivable had an original Outstanding Principal Balance less than or equal to $125,000; (v) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.672,000; (vvi) no Receivable has a scheduled maturity date later than October 7April 20, 20202009; (vivii) no Receivable was more than 30 days past due as of the Cut-Off Date; (viiviii) as of the Cut-off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; (viiiix) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ixx) each Receivable is a Simple Interest Receivable; (xxi) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer to be adverse to the Issuer; and (xixii) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9411.24%; (iii) each Receivable had an original term to maturity of not more than 72 84 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,001.04; (v) no Receivable has a scheduled maturity date later than October 7January 2, 20202022; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were Receivable was selected using selection procedures that were not known or intended by VCI or the Servicer FTH LLC to be adverse to the IssuerPurchaser; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) To the best of the Depositor’s knowledge, each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months or morenot less than [ ] months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due delinquent as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in identified on the records of VCI or the Servicer Bank’s servicing systems as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable;; and (x) each of the Receivables were Receivable was selected using selection procedures that were not known or intended by VCI or the Servicer Depositor to be adverse to the Issuer; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.005.00% and not more than 13.9418.24%; (iii) each Receivable had an original term to maturity of not more than 72 84 months and not less than 18 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 6 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.673,000.59; (v) no Receivable has a scheduled maturity date later than October 7February 28, 20202015; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer FTH LLC to be adverse to the IssuerPurchaser; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9411.24%; (iii) each Receivable had an original term to maturity of not more than 72 84 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 2 months; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,001.04; (v) no Receivable has a scheduled maturity date later than October 7January 2, 20202022; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were Receivable was selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the IssuerFTH LLC; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual characteristics as of the Cut-Off Datecharacteristics: (i) each Receivable is secured by a new or used automobile, minivan light-duty truck, van or sport utility other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 13.9413.65%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 18 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 not more than 73 months or moreand not less than 1 month; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $2,394.671,000.43; (v) no Receivable has a scheduled maturity date later than October 7May 31, 2020; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI or the Servicer Bank to be adverse to the IssuerFTH LLC; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.

Individual Characteristics. Each Receivable has the following individual characteristics as of the Cut-Off Date: (i) each Receivable is secured by a new or used automobile, minivan automobile or sport utility vehiclelight-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00[ ]% and not more than 13.94[ ]%; (iii) each Receivable had an original term to maturity of not more than 72 [ ] months and not less than 18 [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 12 months [ ] month[s] or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $2,394.67[ ]; (v) no Receivable has a scheduled maturity date later than October 7, 2020[ ]; (vi) no Receivable was more than 30 days past due as of the Cut-Off Date; (vii) as of the Cut-off Off Date, no Receivable was noted in the records of VCI CAF or the Servicer as being the subject of any pending bankruptcy or insolvency proceedingProceeding; (viii) no Receivable is subject to a force-placed Insurance Policy on the related Financed Vehicle; (ix) each Receivable is a Simple Interest Receivable; (xix) each of the Receivables were selected using selection procedures that were not known or intended by VCI CAF or the Servicer to be adverse to the IssuerPurchaser; and (xix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.