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 a Contract Rate of no less than [ ]%; (iii) each Receivable had an original term to maturity of not more than [ ] months and not less than [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]; (v) no Receivable has a scheduled maturity date later than [ ]; (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.

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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 72 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000.70; (v) no Receivable has a scheduled maturity date later than [ ]July 28, 2024; (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.

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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 72 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000.44; (v) no Receivable has a scheduled maturity date later than [ ]December 30, 2023; (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.

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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000; (v) no Receivable has a scheduled maturity date later than [ ]September 30, 2030; (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.

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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000; (v) no Receivable has a scheduled maturity date later than [ ]December 15, 2030; (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.

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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000; (v) no Receivable has a scheduled maturity date later than [ ]September 30, 2030; (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; and (ix) each Receivable is a Simple Interest 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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 72 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000.87; (v) no Receivable has a scheduled maturity date later than [ ]January 29, 2026; (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.

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 van or sport utility vehicle; (ii) each Receivable has a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,053.54; (v) no Receivable has a scheduled maturity date later than [ ]August 23, 2031; (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; and (ix) each Receivable is a Simple Interest 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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000; (v) no Receivable has a scheduled maturity date later than [ ]December 15, 2030; (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; and (ix) each Receivable is a Simple Interest 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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,053.54; (v) no Receivable has a scheduled maturity date later than [ ]August 23, 2031; (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.

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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000; (v) no Receivable has a scheduled maturity date later than [ ]September 30, 2029; (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.

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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,081.16; (v) no Receivable has a scheduled maturity date later than [ ]December 31, 2028; (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; and (ix) each Receivable is a Simple Interest 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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 72 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000.87; (v) no Receivable has a scheduled maturity date later than [ ]January 29, 2026; (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; and (ix) each Receivable is a Simple Interest 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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,081.16; (v) no Receivable has a scheduled maturity date later than [ ]December 31, 2028; (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.

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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 72 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000.00; (v) no Receivable has a scheduled maturity date later than [ ]July 31, 2027; (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; and (ix) each Receivable is a Simple Interest 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 a Contract Rate of no less than [ ]0.00%; (iii) each Receivable had an original term to maturity of not more than [ ] 75 months and not less than [ ] 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] 3 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ]1,000.00; (v) no Receivable has a scheduled maturity date later than [ ]September 30, 2029; (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; and (ix) each Receivable is a Simple Interest 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 a Contract Rate of no less than [ ]%; (iii) each Receivable had an original term to maturity of not more than [ ] months and not less than [ ] months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of [ ] months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $[ ];; Schedule I-1 Schedule I to the Sale and Servicing Agreement (v) no Receivable has a scheduled maturity date later than [ ]; (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; and (ix) each Receivable is a Simple Interest Receivable.