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 or light-duty truck; (ii) each Receivable has an APR of no less than 0.00% and not more than 14.43%; (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 1 month 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 January 4, 2016; (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 Purchaser; 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 or automobile, light-duty trucktruck or minivan; (ii) each Receivable has an APR of no less than 0.00% and not more than 14.4312.47%; (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 1 month 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 January 4December 5, 20162017; (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 Purchaser; 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 or automobile, light-duty trucktruck or motorcycle; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.40% and not more than 14.439.50%; (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 its respective Cut-Off Date, of 1 month 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 $1,000.00500; (vvi) no Receivable has a scheduled maturity date later than January 4May 31, 20162009; (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 Purchaser; 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 automobile, minivan or light-duty trucksport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 14.4310.99%; (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 1 month 10 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $1,000.001.86; (v) no Receivable has a scheduled maturity date later than January 4February 17, 20162020; (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 Purchaser; 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 Receivables have the following individual characteristics as of the Cut-Off close of business of the Servicer on the Cutoff Date: : (ia) each Receivable is the obligations of the Obligors on the Receivables are secured by a security interests in new or used automobile automobiles or light-duty truck; trucks; (iib) each Receivable has an APR a Contract Rate of no less than 0.00at least 6% and not more than 14.4314%; ; (iiic) 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 Cutoff Date, of 1 month or more; not less than six months and not more than 60 months; (ivd) each Receivable has an Outstanding had a remaining Principal Balance of not less than $100 and not more than $77,000 as of the Cut-Off Date of greater than or equal to $1,000.00; Cutoff Date; (v) no Receivable has a scheduled maturity date later than January 4, 2016; (vie) no Receivable was more than 30 days past due delinquent as of the Cut-Off Cutoff Date; ; (viif) no Financed Vehicle had been repossessed as of the Cut-off Cutoff 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; (ixg) each Receivable is a motor vehicle retail installment sale contract or motor vehicle retail installment loan; (h) each Receivable provides for allocation of payments between principal and interest by the Simple Interest Receivable; Method; (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 Purchaser; and (xii) the Dealer Dealers of the Financed Vehicle has Vehicles, if any, have no participation in, or other right to receive, any proceeds of such the Receivable; and (j) each Receivable was originated on or after December 15, 1990. The Receivables were selected utilizing selection procedures that were not adverse to the Certificateholders.

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 or light-duty truck; (ii) each Receivable has an APR of no less than 0.00% and not more than 14.4313.81%; (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 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $1,000.001,004.00; (v) no Receivable has a scheduled maturity date later than January 4February 2, 20162017; (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 Purchaser; 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 Receivables have the following individual characteristics as of the Cut-Off Cutoff Date: (i) each Receivable is secured by a new or used automobile or light-duty truck; Motor Vehicle; (ii) each Receivable being sold by Seller to Purchaser hereunder has an APR a Contract Rate of at least 8% and no more than 20%; (iii) each Receivable had a remaining term, as of the Cutoff Date, of not less than 0.00% six months and not more than 14.43%; 60 months; (iiiiv) each Receivable had an original term to maturity of not more than 72 months and not less than 12 months and not more than 84 months; (v) each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 1 month or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater not less than or equal to $1,000.00; (v) no Receivable has a scheduled maturity date later 500.00 and not more than January 4, 2016; $50,000.00; (vi) no Receivable was more than 30 days past due as of the Cut-Off Cutoff Date; ; (vii) no Financed Vehicle had been repossessed without reinstatement as of the Cut-off Cutoff Date, no Receivable was noted ; (viii) have not been identified in the records of VCI or the Servicer as being the subject computer files of any pending Seller as relating to Obligors who were in bankruptcy or insolvency proceeding; proceedings as of the Cutoff Date; (viiiix) no Receivable is subject to a force-force placed Physical Damage 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 to be adverse to the Purchaser; and (xi) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such the Receivable. The Receivables were selected using selection procedures that were not intended by Seller to be adverse to the Purchaser or to the Noteholders.

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 automobile, minivan or light-duty trucksport utility vehicle; (ii) each Receivable has an APR of no less than 0.00% and not more than 14.4310.99%; (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 1 month 5 months or more; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to $1,000.001,999.98; (v) no Receivable has a scheduled maturity date later than January 4September 13, 20162019; (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 PurchaserIssuer; 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 or automobile, light-duty trucktruck or motorcycle; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.40% and not more than 14.439.50%; (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 its respective Cut-Off Date, of 1 month 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 $1,000.00500; (v) no Receivable has a scheduled maturity date later than January 4, 2016; (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 Purchaser; 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 Receivables have the following individual characteristics as of the Cut-Off close of business of the Servicer on the Cutoff Date: : (ia) each Receivable is the obligations of the Obligors on the Receivables are secured by a security interests in new or used automobile automobiles or light-duty truck; trucks; (iib) each Receivable has an APR a Contract Rate of no less than 0.00at least ____% and not more than 14.43_____%; ; (iiic) 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 Cutoff Date, of 1 month or more; not less than ___ months and not more than ___ months; (ivd) each Receivable has an Outstanding Principal had a remaining Receivable Balance of not less than $___ and not more than $______ as of the Cut-Off Date of greater than or equal to $1,000.00; Cutoff Date; (v) no Receivable has a scheduled maturity date later than January 4, 2016; (vie) no Receivable was more than 30 __ days past due delinquent as of the Cut-Off Cutoff Date; ; (viif) no Financed Vehicle had been repossessed as of the Cut-off Cutoff 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; (ixg) each Receivable is a motor vehicle retail installment sale contract or motor vehicle retail installment loan; (h) each Receivable provides for allocation of payments between principal and interest by the Simple Interest Receivable; Method; (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 Purchaser; and (xii) the Dealer Dealers of the Financed Vehicle has Vehicles, if any, have no participation in, or other right to receive, any proceeds of such the Receivable; and (j) each Receivable was originated on or after ________________. The Receivables were selected utilizing selection procedures that were not adverse to the Securityholders.

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 or light-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.000.000% and not more than 14.4320.481%; (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 1 month 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 $1,000.002,000; (vvi) no Receivable has a scheduled maturity date later than January 4April 20, 20162009; (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 PurchaserIssuer; 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 or light-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 14.4315.99%; (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 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 $1,000.001,000; (v) no Receivable has a scheduled maturity date later than January 4March 28, 20162014; (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 Purchaser; 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 Receivables have the following individual characteristics as of the Cut-Off Cutoff Date: ; (i) each Receivable is secured by either a new or used automobile or light-duty truck; Motor Vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00at least ____% and not more than 14.43____%; ; (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 maturitynumber of scheduled payments, as of the Cut-Off Cutoff Date, of 1 month or more; not less than [36] and not more than [84]; (iv) each Receivable has had an Outstanding Initial Principal Balance as of the Cut-Off Date of greater not less than or equal to [$1,000.00; 6,000] and not more than [$50,000]; (v) no Receivable has a scheduled maturity date later than January 4, 2016; (vi) no Receivable was more than 30 days past due as of the Cut-Off Cutoff Date; ; (viivi) no Financed Vehicle had been repossessed as of the Cut-off Cutoff Date, no Receivable was noted in the records of VCI or the Servicer as being the subject of any pending bankruptcy or insolvency proceeding; ; (viiivii) no Receivable is subject to a force-force placed Physical Damage Insurance Policy on the related Financed Vehicle; ; (ixviii) each Receivable is a Simple Interest Receivable [or an Actuarial Receivable; , Rule of 78's Receivable or Sum of Periodic Balances 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 Purchaser; and (xiix) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such the Receivable; and (x) no Receivable has Payaheads with respect to payments due more than [__] months after the Cut-Off Date. The Receivables were selected using selection procedures that were not intended by Seller to be adverse to the Purchaser.

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 or automobile, light-duty truck, van or other motor vehicle; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 14.4313.65%; (iii) each Receivable had an original term to maturity of not more than 72 75 months and not less than 12 24 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of not more than 73 months and not less than 1 month or moremonth; (iv) each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of greater than or equal to at least $1,000.001,000.43; (v) no Receivable has a scheduled maturity date later than January 4May 31, 20162020; (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 PurchaserFTH 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 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 or automobile, light-duty trucktruck or motorcycle; (ii) each Receivable has an APR a Contract Rate of no less than 0.003.40% and not more than 14.439.50%; (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 its respective Cut-Off Date, of 1 month 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 $1,000.00500; (vvi) no Receivable has a scheduled maturity date later than January 4May 31, 20162009; (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 Purchaser; 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 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 automobile automobiles, vans or light-duty truck; light trucks which were purchased thereunder; (ii) each Receivable has an APR of no less than 0.00at least 15% and not more than 14.4330%; ; (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 12 months and each Receivable has a remaining term to maturity, as of the Cut-Off Date, of 1 month 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; 60 months; (v) no Receivable has a scheduled maturity date later than January 4, 2016; (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 PurchaserCalifornia); 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 Receivable has The Receivables have the following individual characteristics as of the Cut-Off close of business of the Servicer on the Cutoff Date: : (ia) each Receivable is the obligations of the Obligors on the Receivables are secured by a security interests in new or used automobile automobiles or light-duty truck; trucks; (iib) each Receivable has an APR a Contract Rate of no less than 0.00at least __% and not more than 14.43___%; ; (iiic) 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 Cutoff Date, of 1 month or more; not less than six months and not more than 60 months; (ivd) each Receivable has an Outstanding had a remaining Principal Balance of not less than $____ and not more than $_______ as of the Cut-Off Date of greater than or equal to $1,000.00; Cutoff Date; (v) no Receivable has a scheduled maturity date later than January 4, 2016; (vie) no Receivable was more than 30 days past due delinquent as of the Cut-Off Cutoff Date; ; (viif) no Financed Vehicle had been repossessed as of the Cut-off Cutoff 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; (ixg) each Receivable is a motor vehicle retail installment sale contract or motor vehicle retail installment loan; (h) each Receivable provides for allocation of payments between principal and interest by the Simple Interest Receivable; Method; (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 Purchaser; and (xii) the Dealer Dealers of the Financed Vehicle has Vehicles, if any, have no participation in, or other right to receive, any proceeds of such the Receivable; and (j) each Receivable was originated on or after ____________. The Receivables were selected utilizing selection procedures that were not adverse to the Certificateholders.

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: : (ia) each Receivable is the obligations of the Obligors on the Receivables are secured by a security interests in new or used automobile automobiles or light-duty truck; trucks; (iib) each Receivable has an APR a Contract Rate of no less than 0.00at least ____% and not more than 14.43_____%; ; (iiic) 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 Cutoff Date, of 1 month or more; not less than six months and not more than 60 months; (ivd) each Receivable has an Outstanding had a remaining Principal Balance of not less than $[800] and not more than $[100,000] as of the Cut-Off Date of greater than or equal to $1,000.00; Cutoff Date; (v) no Receivable has a scheduled maturity date later than January 4, 2016; (vie) no Receivable was more than 30 days past due delinquent as of the Cut-Off Cutoff Date; ; (viif) no Financed Vehicle had been repossessed as of the Cut-off Cutoff 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; (ixg) each Receivable is a motor vehicle retail installment sale contract or motor vehicle retail installment loan; (h) each Receivable provides for allocation of payments between principal and interest by the Simple Interest Receivable; Method; (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 Purchaser; and (xii) the Dealer Dealers of the Financed Vehicle has Vehicles, if any, have no participation in, or other right to receive, any proceeds of such the Receivable; and (j) each Receivable was originated after ____________. The Receivables were selected utilizing selection procedures that were not adverse to the Certificateholders.

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 or light-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.00% and not more than 14.4320.00%; (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 1 month 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 $1,000.001,100; (vvi) no Receivable has a scheduled maturity date later than January 4August 20, 20162009; (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 Purchaser; 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 or light-duty truck; (ii) each Receivable has an APR a Contract Rate of no less than 0.000.000% and not more than 14.4320.481%; (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 1 month 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 $1,000.002,000; (vvi) no Receivable has a scheduled maturity date later than January 4April 20, 20162009; (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 Purchaser; and (xixii) the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable.