SALE AND SERVICING AGREEMENT among GM FINANCIAL CONSUMER AUTOMOBILE RECEIVABLES TRUST 2020-1, Issuer, AFS SENSUB CORP., Seller, GM FINANCIAL, Servicer, and THE BANK OF NEW YORK MELLON, Trust Collateral Agent Dated as of January 15, 2020

Exhibit 4.3

Execution Version

SALE AND SERVICING

AGREEMENT

among

GM FINANCIAL CONSUMER AUTOMOBILE RECEIVABLES TRUST 2020-1,

Issuer,

AFS SENSUB CORP.,

Seller,

GM FINANCIAL,

Servicer,

and

THE BANK OF NEW YORK MELLON,

Trust Collateral Agent

Dated as of January 15, 2020

TABLE OF CONTENTS


		Page

ARTICLE I Definitions			1

SECTION 1.1.	Definitions		1
SECTION 1.2.	Other Definitional Provisions.		19

ARTICLE II Conveyance of Receivables			20

SECTION 2.1.	Conveyance of Receivables		20
SECTION 2.2.	[Reserved]		20
SECTION 2.3.	Further Encumbrance of Trust Property.		20
SECTION 2.4.	Intention of the Parties.		21

ARTICLE III The Receivables			22

SECTION 3.1.	Representations and Warranties of Seller.		22
SECTION 3.2.	Repurchase upon Breach		23
SECTION 3.3.	Custody of Receivable Files.		24
SECTION 3.4.	Maintenance and Safekeeping of the Receivable Files		26
SECTION 3.5.	Location of Receivable Files		26
SECTION 3.6.	Access to Records		26
SECTION 3.7.	Advice of Counsel		27
SECTION 3.8.	Administration; Reports		27
SECTION 3.9.	Instructions; Authority to Act		27
SECTION 3.10.	Custodian Fee		27
SECTION 3.11.	Indemnification by the Custodian		27
SECTION 3.12.	Effective Period and Termination of Custodian		27
SECTION 3.13.	Dispute Resolution		27

ARTICLE IV Administration and Servicing of Receivables			30

SECTION 4.1.	Duties of the Servicer		30
SECTION 4.2.	Collection of Receivable Payments; Modifications of Receivables.		31
SECTION 4.3.	Realization upon Receivables.		33
SECTION 4.4.	Insurance.		34
SECTION 4.5.	Maintenance of Security Interests in Vehicles		36
SECTION 4.6.	Covenants, Representations, and Warranties of Servicer		36
SECTION 4.7.	Purchase of Receivables Upon Breach of Covenant		37
SECTION 4.8.	Total Servicing Fee; Payment of Certain Expenses by Servicer		38
SECTION 4.9.	Servicer's Certificate and Asset-Level Information		38
SECTION 4.10.	Annual Statement as to Compliance, Notice of Servicer Termination Event.		39
SECTION 4.11.	Annual Independent Public Accountants' Reports		39
SECTION 4.12.	Access to Certain Documentation and Information Regarding
	Receivables		40



ARTICLE V Trust Accounts; Distributions; Statements to Noteholders		41

SECTION 5.1.	Establishment of Trust Accounts.	41
SECTION 5.2.	[Reserved]	43
SECTION 5.3.	Certain Reimbursements to the Servicer	43
SECTION 5.4.	Application of Collections	44
SECTION 5.5.	[Reserved].	44
SECTION 5.6.	Additional Deposits.	44
SECTION 5.7.	Distributions	44
SECTION 5.8.	Reserve Account.	47
SECTION 5.9.	Statements to Noteholders.	48
SECTION 5.10.	[Reserved].	49

ARTICLE VI [Reserved]		49

ARTICLE VII The Seller		49

SECTION 7.1.	Representations of Seller	49
SECTION 7.2.	Corporate Existence.	51
SECTION 7.3.	Liability of Seller; Indemnities	52
SECTION 7.4.	Merger or Consolidation of, or Assumption of the Obligations of, Seller	53
SECTION 7.5.	Limitation on Liability of Servicer, Seller and Others	54
SECTION 7.6.	Ownership of the Certificates or Notes	54

ARTICLE VIII The Servicer		54

SECTION 8.1.	Representations of Servicer	54
SECTION 8.2.	Liability of Servicer; Indemnities.	56
SECTION 8.3.	Merger or Consolidation of, or Assumption of the Obligations of the Servicer.	57
SECTION 8.4.	Limitation on Liability of Servicer and Others	58
SECTION 8.5.	Delegation of Duties	58
SECTION 8.6.	Servicer Not to Resign	58

ARTICLE IX Default		59

SECTION 9.1.	Servicer Termination Event	59
SECTION 9.2.	Consequences of a Servicer Termination Event	59
SECTION 9.3.	Appointment of Successor.	60
SECTION 9.4.	Notification to Noteholders	61
SECTION 9.5.	Waiver of Past Defaults	61

ARTICLE X Termination		61

SECTION 10.1.	Optional Purchase of All Receivables.	61

ARTICLE XI Administrative Duties of the Servicer		62

SECTION 11.1.	Administrative Duties.	62
SECTION 11.2.	Records	64


SECTION 11.3.	Additional Information to be Furnished to the Issuer	64
SECTION 11.4.	Review Reports	64

ARTICLE XII Miscellaneous Provisions		64

SECTION 12.1.	Amendment	64
SECTION 12.2.	Protection of Title to Trust	65
SECTION 12.3.	Notices	67
SECTION 12.4.	Assignment	68
SECTION 12.5.	Limitations on Rights of Others	68
SECTION 12.6.	Severability	68
SECTION 12.7.	Separate Counterparts	68
SECTION 12.8.	Headings	68
SECTION 12.9.	Governing Law	68
SECTION 12.10.	Assignment to Trust Collateral Agent	69
SECTION 12.11.	Nonpetition Covenants	69
SECTION 12.12.	Limitation of Liability of Owner Trustee and Trust Collateral Agent	69
SECTION 12.13.	Trust Collateral Agent to Report Repurchase Demands due to Breaches of Representations and Warranties	70
SECTION 12.14.	Independence of the Servicer	70
SECTION 12.15.	No Joint Venture	71
SECTION 12.16.	State Business Licenses	71
SECTION 12.17.	Regulation RR Risk Retention	71
SECTION 12.18.	Submission to Jurisdiction; Waiver of Jury Trial	71

SCHEDULES


Schedule A		Schedule of Receivables
Schedule B-1		Representations and Warranties of the Seller and the Servicer Regarding the Receivables
Schedule B-2		Representations and Warranties of the Seller and the Servicer Regarding the Pool of Receivables

EXHIBITS


Exhibit A		Form of Servicer's Certificate

iii

SALE AND SERVICING AGREEMENT, dated as of January 15, 2020, among GM FINANCIAL CONSUMER AUTOMOBILE RECEIVABLES TRUST 2020-1, a Delaware statutory trust (the “Issuer”), AFS SENSUB CORP., a Nevada corporation (the “Seller”), AMERICREDIT FINANCIAL SERVICES, INC. d/b/a GM Financial, a Delaware corporation (the “Servicer”), and THE BANK OF NEW YORK MELLON, a New York banking corporation, in its capacity as Trust Collateral Agent.

WHEREAS the Issuer desires to purchase a portfolio of receivables arising in connection with motor vehicle retail installment sale contracts made by GM Financial or an Originating Affiliate or acquired by GM Financial or an Originating Affiliate through motor vehicle dealers;

WHEREAS the Seller has purchased such receivables from GM Financial and is willing to sell such receivables to the Issuer;

WHEREAS the Servicer is willing to service all such receivables;

NOW, THEREFORE, in consideration of the premises and the mutual covenants herein contained, the parties hereto agree as follows:

ARTICLE I

Definitions

SECTION 1.1. Definitions. Whenever used in this Agreement, the following words and phrases shall have the following meanings:

“Adjusted Pool Balance” means, (i) for any Distribution Date, the Pool Balance as of the end of the previous Collection Period (and, for the first Distribution Date, as of the Cutoff Date) less the Yield Supplement Overcollateralization Amount with respect to such Distribution Date and (ii) with regard to the Cutoff Date, the Pool Balance as of the Cutoff Date less the Yield Supplement Overcollateralization Amount as of the Cutoff Date.

“Accounting Date” means, with respect to any Collection Period the last day of such Collection Period.

“Accountants’ Report” means the report of a firm of nationally recognized Independent Accountants described in Section 4.11.

“ADR Organization” means The American Arbitration Association or, if The American Arbitration Association no longer exists or if its ADR Rules would no longer permit mediation or arbitration, as applicable, of the dispute, another nationally recognized mediation or arbitration organization selected by GM Financial.

“ADR Rules” means the relevant rules of the ADR Organization for mediation (including non-binding arbitration) or binding arbitration, as applicable, of commercial disputes in effect at the time of the mediation or arbitration.

“Affiliate” means, with respect to any specified Person, any other Person controlling or controlled by or under common control with such specified Person. For the purposes of this definition, “control” when used with respect to any Person means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms “controlling” and “controlled” have meanings correlative to the foregoing.

“Aggregate Principal Balance” means, with respect to any date of determination, the sum of the Principal Balances for all Receivables (other than (i) any Receivable that became a Liquidated Receivable prior to the end of the related Collection Period and (ii) any Receivable that became a Purchased Receivable prior to the end of the related Collection Period) as of the date of determination.

“Agreement” means this Sale and Servicing Agreement, as the same may be amended and supplemented from time to time.

“Amount Financed” means, with respect to a Receivable, the aggregate amount advanced under such Receivable toward the purchase price of the Financed Vehicle and any related costs, including amounts advanced in respect of accessories, insurance premiums, service contracts, car club and warranty contracts, other items customarily financed as part of motor vehicle retail installment sale contracts or promissory notes, and related costs.

“Annual Percentage Rate” or “APR” of a Receivable means the annual percentage rate of finance charges or service charges, as stated in the related Contract.

“Asset Representations Review Agreement” means the Asset Representations Review Agreement, dated as of January 15, 2020, by and among the Issuer, the Servicer and the Asset Representations Reviewer.

“Asset Representations Reviewer” means Xxxxxxx Fixed Income Services LLC, a Delaware limited liability company.

“Asset Review” means, for any Asset Review Notice, the performance by the Asset Representations Reviewer of each Asset Test stated in Schedule A to the Asset Representations Review Agreement for each Asset Review Receivable.

“Asset Review Notice” means the notice from the Trustee to the Asset Representations Reviewer and the Servicer directing the Asset Representations Reviewer to perform an Asset Review under Section 3.4 of the Asset Representations Review Agreement.

“Asset Review Receivable” means, for any Asset Review, each Receivable that is not a Liquidated Receivable and with respect to which the related Obligor failed to make at least 90% of the related Scheduled Receivables Payment by the date on which it was due and, as of the last day of the Collection Period prior to the date the related Asset Review Notice was delivered, remained unpaid for 60 days or more from the original payment due date.

“Asset Test” means, for an Asset Review, each Test, as defined in the Asset Representations Review Agreement, in Schedule A to the Asset Representations Review

Agreement to be performed by the Asset Representations Reviewer on the related Asset Review Receivables.

“Available Funds” means, with respect to any Distribution Date, the sum of (without duplication) (i) the Collected Funds for the related Collection Period, plus (ii) all Purchase Amounts deposited in the Trust Accounts during the related Collection Period, plus (iii) Investment Earnings with respect to the Trust Accounts for the related Collection Period, plus (iv) following the acceleration of the Notes pursuant to Section 5.2 of the Indenture, the amount of money or property collected pursuant to Section 5.3 of the Indenture since the preceding Distribution Date by the Trust Collateral Agent for distribution pursuant to Section 5.6 and Section 5.8 of the Indenture, plus (v) the proceeds of any purchase or sale of the assets of the Trust described in Section 10.1 plus (vi) amounts, if any, released from the Reserve Account pursuant to Section 5.8(c) on such Distribution Date.

“Base Servicing Fee” means, with respect to any Collection Period, the fee payable to the Servicer for services rendered during such Collection Period, which shall be equal to the product of (i) the Servicing Fee Rate times (ii) the Aggregate Principal Balance of the Receivables as of the opening of business on the first day of such Collection Period (or, in the case of the first Distribution Date, December 3, 2019) times (iii) one-twelfth (or, in the case of the first Distribution Date, a fraction equal to (x) the number of days from and including December 3, 2019 through and including January 31, 2020, divided by (y) 360).

“Basic Documents” means this Agreement, the Certificate of Trust, the Trust Agreement, the Purchase Agreement, the Indenture, the Asset Representations Review Agreement, the Underwriting Agreement and other documents and certificates delivered in connection therewith.

“Business Day” means any day other than a Saturday, a Sunday, a legal holiday or other day on which commercial banking institutions located in Wilmington, Delaware, Fort Worth, Texas, or New York, New York or any other location of any successor Servicer, successor Owner Trustee or successor Trust Collateral Agent are authorized or obligated by law, executive order or governmental decree to be closed.

“Certificate” means the trust certificate evidencing the beneficial interest of the Certificateholder in the Trust.

“Certificate Distribution Account” has the meaning assigned to such term in the Trust Agreement.

“Certificateholder” means the Person in whose name the Certificate is registered.

“Class” means the Class A-1 Notes, the Class A-2-A Notes, the Class A-3 Notes, the Class A-4 Notes, the Class B Notes, the Class C Notes and/or the Class D Notes, as the context requires.

“Class A Notes” means the Class A-1 Notes, the Class A-2-A Notes, the Class A-3 Notes and the Class A-4 Notes.

“Class A-1 Notes” has the meaning assigned to such term in the Indenture.

“Class A-2-A Notes” has the meaning assigned to such term in the Indenture.

“Class A-3 Notes” has the meaning assigned to such term in the Indenture.

“Class A-4 Notes” has the meaning assigned to such term in the Indenture.

“Class B Notes” has the meaning assigned to such term in the Indenture.

“Class C Notes” has the meaning assigned to such term in the Indenture.

“Class D Notes” has the meaning assigned to such term in the Indenture.

“Closing Date” means January 15, 2020.

“Collateral Insurance” shall have the meaning set forth in Section 4.4(a).

“Collected Funds” means, with respect to any Collection Period, the amount of funds in the Collection Account representing collections on the Receivables during such Collection Period, including all Net Liquidation Proceeds collected during such Collection Period (but excluding any Purchase Amounts).

“Collection Account” means the account designated as such, established and maintained pursuant to Section 5.1(a)(i).

“Collection Period” means, with respect to the first Distribution Date, the period beginning as of the close of business on December 2, 2019 and ending as of the close of business on January 31, 2020. With respect to each subsequent Distribution Date, “Collection Period” means the period beginning as of the close of business on the last day of the second preceding calendar month and ending as of the close of business on the last day of the immediately preceding calendar month. Any amount stated “as of the close of business” shall give effect to the following calculations as determined as of the end of the day on such day: (i) all applications of collections and (ii) all distributions.

“Collection Records” means all manually prepared or computer generated records relating to collection efforts or payment histories with respect to the Receivables.

“Commission” means the United States Securities and Exchange Commission.

“Computer Tape” means the computer tapes or other electronic media furnished by the Servicer to the Issuer and its assigns describing certain characteristics of the Receivables as of the Cutoff Date.

“Contract” means a motor vehicle retail installment sale contract or promissory note.

“Controlling Class” means, (i) the Class A Notes so long as any class of the Class A Notes are outstanding, (ii) if no class of Class A Notes is outstanding, the Class B Notes, (iii) if no Class A Notes or Class B Notes are outstanding, the Class C Notes, or (iv) if no Class A Notes, Class B Notes or Class C Notes are outstanding, the Class D Notes.

“Controlling Party” means the Trust Collateral Agent, for the benefit of the Noteholders.

“Corporate Trust Office” means (i) with respect to the Owner Trustee, the principal corporate trust office of the Owner Trustee, which at the time of execution of this agreement is Xxxxxx Square North, 0000 Xxxxx Xxxxxx Xxxxxx, Xxxxxxxxxx, Xxxxxxxx 00000-0000, Attention: Corporate Trust Administration and (ii) with respect to the Trustee and the Trust Collateral Agent, (a) solely with respect to the transfer, surrender, exchange or presentation for final payment of the Notes, 0000 Xxxxx Xxxxxx, 0xx Xxxxx, Xxxxxx, Xxxxx 00000, Attention: Transfer Unit – GMCAR 2020-1 and (b) for all other purposes, the principal office thereof at which at any particular time its corporate trust business shall be administered, which at the time of execution of this agreement is 000 Xxxxxxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000, Attention: Corporate Trust Administration – GMCAR 2020-1.

“Cram Down Loss” means, with respect to a Receivable that has not become a Liquidated Receivable, if the Servicer expects the Principal Balance or effective rate of interest on the automobile loan contract to be reduced by a court of appropriate jurisdiction in a proceeding related to an Insolvency Event, the Servicer’s estimate of the reduction in the Principal Balance that will be so ordered by the court.

“Credit Risk Retention Rules” shall have the meaning set forth in Section 4.9(a).

“Custodian” means GM Financial and any other Person named from time to time as custodian hereunder acting as agent for the Trust Collateral Agent, which Person must be acceptable to the Controlling Party (the Custodian as of the Closing Date is acceptable to the Controlling Party).

“Cutoff Date” means December 2, 2019.

“DBRS” means DBRS, Inc. or its successor.

“Dealer” means a dealer who sold a Financed Vehicle and who originated and assigned the respective Receivable to GM Financial or an Originating Affiliate under a Dealer Agreement or pursuant to a Dealer Assignment.

“Dealer Agreement” means any agreement between a Dealer and GM Financial or an Originating Affiliate relating to the acquisition of Receivables from a Dealer by GM Financial or an Originating Affiliate.

“Dealer Assignment” means, with respect to a Receivable, the executed assignment executed by a Dealer conveying such Receivable to GM Financial or an Originating Affiliate.

“Delinquency Rate” means, for any Collection Period, (i) the aggregate Principal Balance of all Delinquent Receivables as of the end of such Collection Period divided by (ii) the Pool Balance as of the end of such Collection Period.

“Delinquency Trigger” means, that (i) as of the end of any of the first through twelfth Collection Periods, the Delinquency Rate exceeds 1.10%, (ii) as of the end of any of the thirteenth through twenty-fourth Collection Periods, the Delinquency Rate exceeds 1.80%, (iii) as of the end

of any of the twenty-fifth through thirty-sixth Collection Periods, the Delinquency Rate exceeds 2.80% or (iv) as of the end of any subsequent Collection Period, the Delinquency Rate exceeds 4.90%.

“Delinquent Receivable” means any Receivable that is not a Liquidated Receivable and which the related Obligor fails to make at least 90% of the related Scheduled Receivables Payment by the date on which it is due and remains unpaid for more than sixty (60) days from the original payment due date.

“Delivery” when used with respect to Trust Account Property means:

(a) with respect to bankers’ acceptances, commercial paper, negotiable certificates of deposit and other obligations that constitute “instruments” within the meaning of Section 9-102(a)(47) of the UCC and are susceptible of physical delivery, transfer thereof to the Trust Collateral Agent by physical delivery to the Trust Collateral Agent endorsed to, or registered in the name of, the Trust Collateral Agent or endorsed in blank, and, with respect to a certificated security (as defined in Section 8-102(a)(4) of the UCC), transfer thereof (i) by delivery thereof to the Trust Collateral Agent of such certificated security endorsed to, or registered in the name of, the Trust Collateral Agent or (ii) by delivery thereof to a “clearing corporation” (as defined in Section 8-102(a)(5) of the UCC) and the making by such clearing corporation of appropriate entries on its books reducing the appropriate securities account of the transferor and increasing the appropriate securities account of the Trust Collateral Agent by the amount of such certificated security and the identification by the clearing corporation of the certificated securities for the sole and exclusive account of the Trust Collateral Agent (all of the foregoing, “Physical Property”), and, in any event, any such Physical Property in registered form shall be in the name of the Trust Collateral Agent or its nominee; and such additional or alternative procedures as may hereafter become appropriate to effect the complete transfer of ownership of any such Trust Account Property to the Trust Collateral Agent or its nominee or custodian, consistent with changes in applicable law or regulations or the interpretation thereof;

(b) with respect to any security issued by the U.S. Treasury, the Federal Home Loan Mortgage Corporation or by the Federal National Mortgage Association that is a book-entry security held through the Federal Reserve System pursuant to federal book-entry regulations, the following procedures, all in accordance with applicable law, including applicable Federal regulations and Articles 8 and 9 of the UCC: book-entry registration of such Trust Account Property to an appropriate book-entry account maintained with a Federal Reserve Bank by a securities intermediary that is also a “depository” pursuant to applicable federal regulations; the making by such securities intermediary of entries in its books and records crediting such Trust Account Property to the Trust Collateral Agent’s securities account at the securities intermediary and identifying such book-entry security held through the Federal Reserve System pursuant to federal book-entry regulations as belonging to the Trust Collateral Agent; and such additional or alternative procedures as may hereafter become appropriate to effect complete transfer of ownership of any such Trust Account Property to the Trust Collateral Agent, consistent with changes in applicable law or regulations or the interpretation thereof;

(c) with respect to any item of Trust Account Property that is an uncertificated security under Article 8 of the UCC and that is not governed by clause (b) above, registration on the books

and records of the issuer thereof in the name of the Trust Collateral Agent or its nominee or custodian who either (i) becomes the registered owner on behalf of the Trust Collateral Agent or (ii) having previously become the registered owner, acknowledges that it holds for the Trust Collateral Agent; and

(d) with respect to any item of Trust Account Property that is a financial asset under Article 8 of the UCC and that is not governed by clause (b) above, causing the securities intermediary to indicate on its books and records that such financial asset has been credited to a securities account of the Trust Collateral Agent.

“Depositor” means the Seller.

“Determination Date” means, with respect to any Collection Period, the second Business Day prior to the related Distribution Date.

“Distribution Date” means, with respect to each Collection Period, the sixteenth day of the following calendar month, or, if such day is not a Business Day, the immediately following Business Day, commencing February 18, 2020. If GM Financial is no longer acting as Servicer, the distribution date may be a different day of the month.

“Electronic Chattel Paper Sub-Custodian” means DealerTrack, Inc., RouteOne LLC or another econtracting facilitator engaged by the Servicer.

“Electronic Ledger” means the electronic master record of the retail installment sale contracts or installment loans of the Servicer.

“Eligible Deposit Account” means a segregated trust account with the corporate trust department of a depository institution organized under the laws of the United States of America or any one of the states thereof or the District of Columbia (or any domestic branch of a foreign bank), having corporate trust powers and acting as trustee for funds deposited in such account, so long as (i) the long-term unsecured debt of such depository institution shall have a credit rating from Xxxxx’x of at least Baa2 and from Standard & Poor’s of at least BBB (ii) such depository institutions’ deposits are insured by the FDIC.

“Eligible Investments” mean book-entry securities, negotiable instruments or securities represented by instruments in bearer or registered form which evidence:

(a) direct obligations of, and obligations fully guaranteed as to timely payment by, the United States of America;

(b) demand deposits, time deposits or certificates of deposit of any depository institution or trust company incorporated under the laws of the United States of America or any state thereof or the District of Columbia (or any domestic branch of a foreign bank) and subject to supervision and examination by federal or state banking or depository institution authorities (including depository receipts issued by any such institution or trust company as custodian with respect to any obligation referred to in clause (a) above or portion of such obligation for the benefit of the holders of such depository receipts); provided, however, that at the time of the investment or contractual commitment to invest therein (which shall be deemed to be made again each time

funds are reinvested following each Distribution Date), the commercial paper or other short-term senior unsecured debt obligations (other than such obligations the rating of which is based on the credit of a Person other than such depository institution or trust company) of such depository institution or trust company shall have a credit rating from Standard & Poor’s of A-1+, from Xxxxx’x of Prime-1, to the extent rated by DBRS or Fitch, from DBRS of R-1 (middle) and from Fitch of F1+;

(c) commercial paper and demand notes investing solely in commercial paper having, at the time of the investment or contractual commitment to invest therein, a rating from Standard & Poor’s of A-1+, from Xxxxx’x of Prime-1, to the extent rated by DBRS or Fitch, from DBRS of R-1 (middle) and from Fitch of F1+;

(d) investments in money market funds (including funds for which the Trust Collateral Agent or the Trustee in each of their individual capacities or any of their respective Affiliates is investment manager, controlling party or advisor) having a rating from Standard & Poor’s of AAA-m or AAAm-G and from Xxxxx’x of Aaa;

(e) bankers’ acceptances issued by any depository institution or trust company referred to in clause (b) above;

(f) repurchase obligations with respect to any security that is a direct obligation of, or fully guaranteed by, the United States of America or any agency or instrumentality thereof the obligations of which are backed by the full faith and credit of the United States of America, in either case entered into with a depository institution or trust company (acting as principal) referred to in clause (b) above;

(g) any other investment which would satisfy the Rating Agency Condition and is consistent with the ratings of the Securities or any other investment that by its terms converts to cash within a finite period, if the Rating Agency Condition is satisfied with respect thereto; and

(h) cash denominated in United States dollars.

Any of the foregoing Eligible Investments may be purchased by or through the Trust Collateral Agent, the Trustee or any of their respective Affiliates.

“Exchange Act” means the Securities Exchange Act of 1934, as amended.

“FDIC” means the Federal Deposit Insurance Corporation.

“Final Scheduled Distribution Date” means with respect to (i) the Class A-1 Notes, January 19, 2021 Distribution Date, (ii) the Class A-2-A Notes, the January 17, 2023 Distribution Date, (iii) the Class A-3 Notes, the September 16, 2024 Distribution Date, (iv) the Class A-4 Notes, the March 17, 2025 Distribution Date, (v) the Class B Notes, the April 16, 2025 Distribution Date, (vi) the Class C Notes, the May 16, 2025 Distribution Date and (vii) the Class D Notes, the April 16, 2026 Distribution Date.

“Financed Vehicle” means an automobile or light-duty truck or utility vehicle, together with all accessions thereto, securing an Obligor’s indebtedness under the respective Receivable.

“First Priority Principal Distribution Amount” means, with respect to any Distribution Date, an amount equal to the excess, if any, of (a) the aggregate outstanding principal amount of the Class A Notes as of such Distribution Date (before giving effect to any principal payments made on the Class A Notes on such Distribution Date), over (b) the Adjusted Pool Balance for such Distribution Date; provided, however, that (i) the First Priority Principal Distribution Amount on the Final Scheduled Distribution Date of the Class A-1 Notes shall not be less than the amount that is necessary to reduce the outstanding principal amount of the Class A-1 Notes to zero; (ii) the First Priority Principal Distribution Amount on the Final Scheduled Distribution Date of the Class A-2-A Notes shall not be less than the amount that is necessary to reduce the aggregate outstanding principal amount of the Class A-2-A Notes to zero; (iii) the First Priority Principal Distribution Amount on the Final Scheduled Distribution Date of the Class A-3 Notes shall not be less than the amount that is necessary to reduce the outstanding principal amount of the Class A-3 Notes to zero; and (iv) the First Priority Principal Distribution Amount on the Final Scheduled Distribution Date of the Class A-4 Notes shall not be less than the amount that is necessary to reduce the outstanding principal amount of the Class A-4 Notes to zero.

“Fitch” means Fitch Ratings, Inc. or its successor.

“Force-Placed Insurance” shall have the meaning set forth in Section 4.4.

“Fourth Priority Principal Distribution Amount” means, with respect to any Distribution Date, an amount equal to (a) the excess, if any, of (i) the aggregate outstanding principal amount of the Class A Notes, Class B Notes, Class C Notes and Class D Notes as of such Distribution Date (before giving effect to any principal payments made on the Class A Notes, Class B Notes, Class C Notes and Class D Notes on such Distribution Date), over (ii) the Adjusted Pool Balance for such Distribution Date minus (b) the First Priority Principal Distribution Amount, Second Priority Principal Distribution Amount and Third Priority Principal Distribution Amount for such Distribution Date; provided, however, that the Fourth Priority Principal Distribution Amount on the Final Scheduled Distribution Date of the Class D Notes shall not be less than the amount that is necessary to reduce the outstanding principal amount of the Class D Notes to zero.

“General Motors Financial Company, Inc.” means General Motors Financial Company, Inc.

“GM Financial” means AmeriCredit Financial Services, Inc. d/b/a GM Financial

“Indenture” means the Indenture, dated as of January 15, 2020, between the Issuer, The Bank of New York Mellon, as Trust Collateral Agent and Trustee, as the same may be amended and supplemented from time to time.

“Independent Accountants” shall have the meaning set forth in Section 4.11(a).

“Insolvency Event” means, with respect to a specified Person, (a) the filing of a petition against such Person or the entry of a decree or order for relief by a court having jurisdiction in the premises in respect of such Person or any substantial part of its property in an involuntary case under any applicable federal or state bankruptcy, insolvency or other similar law now or hereafter in effect, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official for such Person or for any substantial part of its property, or ordering the winding-up or

liquidation of such Person’s affairs, and such petition, decree or order shall remain unstayed and in effect for a period of 60 consecutive days; or (b) the commencement by such Person of a voluntary case under any applicable federal or state bankruptcy, insolvency or other similar law now or hereafter in effect, or the consent by such Person to the entry of an order for relief in an involuntary case under any such law, or the consent by such Person to the appointment of or taking possession by a receiver, liquidator, assignee, custodian, trustee, sequestrator, or similar official for such Person or for any substantial part of its property, or the making by such Person of any general assignment for the benefit of creditors, or the failure by such Person generally to pay its debts as such debts become due, or the taking of action by such Person in furtherance of any of the foregoing.

“Insurance Add-On Amount” means the premium charged to the Obligor in the event that the Servicer obtains Force-Placed Insurance pursuant to Section 4.4.

“Insurance Policy” means, with respect to a Receivable, any insurance policy (including the insurance policies described in Section 4.4) benefiting the holder of the Receivable providing loss or physical damage, credit life, credit disability, theft, mechanical breakdown or similar coverage with respect to the Financed Vehicle or the Obligor.

“Interest Period” means, with respect to any Distribution Date, the period from and including the most recent Distribution Date on which interest has been paid (or in the case of the first Distribution Date, from and including the Closing Date) to, but excluding, the following Distribution Date.

“Interest Rate” means, with respect to:

(a) the Class A-1 Notes, 1.76562% per annum (computed on the basis of a 360-day year and the actual number of days elapsed in the applicable Interest Period);

(b) the Class A-2-A Notes, 1.83% per annum (computed on the basis of a 360-day year consisting of twelve 30-day months);

(d) the Class A-4 Notes, 1.90% per annum (computed on the basis of a 360-day year consisting of twelve 30-day months);

(e) the Class B Notes, 2.03% per annum (computed on the basis of a 360-day year consisting of twelve 30-day months);

(f) the Class C Notes, 2.18% per annum (computed on the basis of a 360-day year consisting of twelve 30-day months); and

(g) the Class D Notes, 0.00% per annum (computed on the basis of a 360-day year consisting of twelve 30-day months);

“Investment Company Act” means the Investment Company Act of 1940, as amended.

“Investment Earnings” means, with respect to any date of determination and Trust Accounts, the investment earnings on amounts on deposit in such Trust Accounts on such date.

“Issuer” means GM Financial Consumer Automobile Receivables Trust 2020-1.

“Issuer Secured Parties” means the Trustee in respect of the Trustee Issuer Secured Obligations.

“Item 1122 Letter Agreement” means the Item 1122 Letter Agreement, dated as of January 15, 2020, between the Servicer and The Bank of New York Mellon, as the same may be amended and supplemented from time to time.

“Lien” means a security interest, lien, charge, pledge, equity, or encumbrance of any kind, other than tax liens, mechanics’ liens and any liens that attach to the respective Receivable by operation of law as a result of any act or omission by the related Obligor.

“Lien Certificate” means, with respect to a Financed Vehicle, an original certificate of title, certificate of lien or other notification issued by the Registrar of Titles of the applicable state to a secured party which indicates that the lien of the secured party on the Financed Vehicle is recorded on the original certificate of title. In any jurisdiction in which the original certificate of title is required to be given to the Obligor, the term “Lien Certificate” shall mean only a certificate or notification issued to a secured party. For Financed Vehicles registered in states which issue confirmation of the lienholder’s interest electronically, the “Lien Certificate” may consist of notification of an electronic recordation, by either a third-party service provider or the relevant Registrar of Titles of the applicable state, which indicates that the lien of the secured party on the Financed Vehicle is recorded on the original certificate of title on the electronic lien and title system of the applicable state.

“Liquidated Receivable” means, with respect to any Collection Period, a Receivable for which, as of the last day of the Collection Period (i) 90 days have elapsed since the Servicer repossessed the related Financed Vehicle; provided, however, that in no case shall 10% or more of a Scheduled Receivables Payment have become 210 or more days delinquent in the case of a repossessed Financed Vehicle, (ii) the Servicer has determined in good faith that all amounts it expects to recover have been received, (iii) 10% or more of a Scheduled Receivables Payment shall have become 120 or more days delinquent, except in the case of a repossessed Financed Vehicle, or (iv) that is, without duplication, a Sold Receivable.

“Liquidation Proceeds” means, with respect to a Liquidated Receivable, all amounts realized with respect to such Receivable and, with respect to a Sold Receivable, the related Sale Amount.

“Majority Noteholders” means the Holders of the Notes representing a majority of the principal balance of the Controlling Class.

“Minimum Sale Price” means (i) with respect to a Receivable (x) that has become 60 to 210 days delinquent or (y) that has become greater than 210 days delinquent and with respect to which the related Financed Vehicle has been repossessed by the Servicer and has not yet been sold at auction, the greater of (A) the product of (1) 55% times (2) the Principal Balance of such

Receivable and (B) the product of (1) the three month rolling average recovery rate (expressed as a percentage) for the Servicer in its liquidation of all receivables for which it acts as servicer, either pursuant to this Agreement or otherwise, times (2) the Principal Balance of such Receivable or (ii) with respect to a Receivable (x) with respect to which the related Financed Vehicle has been repossessed by the Servicer and has been sold at auction and the Net Liquidation Proceeds for which have been deposited in the Collection Account, or (y) that has become greater than 210 days delinquent and with respect to which the related Financed Vehicle has not been repossessed by the Servicer despite the Servicer’s diligent efforts, consistent with its servicing obligations, to repossess the Financed Vehicle, $1.

“Monthly Records” means all records and data maintained by the Servicer with respect to the Receivables, including the following with respect to each Receivable: the account number; the originating Dealer; Obligor name; Obligor address; Obligor home phone number; Obligor business phone number; original Principal Balance; original term; Annual Percentage Rate; current Principal Balance; current remaining term; origination date; first payment date; final scheduled payment date; next payment due date; date of most recent payment; new/used classification; collateral description; days currently delinquent; number of contract extensions (months) to date; amount of Scheduled Receivables Payment; and past due late charges.

“Monthly Remittance Condition” means, as of any date, that (i) GM Financial is the Servicer, (ii) GM Financial (or General Motors Financial Company, Inc., for so long as it is an Affiliate of GM Financial) has a short-term unsecured debt rating of at least “Prime” by Moody’s and at least “A-1” by Standard & Poor’s and (iii) no Servicer Termination Event or Event of Default has occurred and is continuing.

“Moody’s” means Xxxxx’x Investors Service, Inc. or its successor.

“Net Liquidation Proceeds” means, with respect to a Liquidated Receivable, Liquidation Proceeds net of (i) reasonable expenses incurred by the Servicer in connection with the collection of such Receivable and the repossession and disposition of the Financed Vehicle and (ii) amounts that are required to be refunded to the Obligor on such Receivable; provided, however, that the Net Liquidation Proceeds with respect to any Receivable shall in no event be less than zero.

“Note Distribution Account” means the account designated as such, established and maintained pursuant to Section 5.1(a)(ii).

“Note Pool Factor” for each Class of Notes as of the close of business on any date of determination means a seven-digit decimal figure equal to the outstanding principal amount of such Class of Notes divided by the original outstanding principal amount of such Class of Notes.

“Noteholders’ Interest Carryover Amount” means, with respect to any Class of Notes and any date of determination, all or any portion of the Noteholders’ Interest Distributable Amount for such Class of Notes for the immediately preceding Distribution Date which remains unpaid as of such date of determination, plus interest on such unpaid amount, to the extent permitted by law, at the respective Interest Rate borne by the applicable Class of Notes from such immediately preceding Distribution Date to but excluding such date of determination.

“Noteholders’ Interest Distributable Amount” means, with respect to any Distribution Date and Class of Notes, the sum of (i) the Noteholders’ Monthly Interest Distributable Amount for such Distribution Date plus (ii) each Class of Notes and the Noteholders’ Interest Carryover Amount, if any for such Distribution Date and each such Class. Interest on the Class A-1 Notes shall be computed on the basis of a 360-day year and the actual number of days elapsed in the applicable Interest Period; interest on all other Classes of Notes shall be computed on the basis of a 360-day year consisting of twelve 30-day months.

“Noteholders’ Monthly Interest Distributable Amount” means, with respect to any Distribution Date and any Class of Notes, interest accrued at the respective Interest Rate during the applicable Interest Period on the principal amount of the Notes of such Class outstanding as of the end of the prior Distribution Date (or, in the case of the first Distribution Date, as of the Closing Date), calculated (x) for the Class A-1 Notes on the basis of a 360-day year and the actual number of days elapsed in the applicable Interest Period and (y) for all other Classes of Notes on the basis of a 360-day year consisting of twelve 30-day months (without adjustment for the actual number of business days elapsed in the applicable Interest Period), except with respect to the first Interest Period.

“Noteholders’ Principal Distributable Amount” for a Distribution Date will equal the lesser of

(x) the excess, if any, of the amount of Available Funds on such Distribution Date over the amounts payable on such Distribution Date pursuant to clauses (i) through (xi) of Section 5.7(a); and

(y) the excess, if any, on such Distribution Date of (i) the Pro Forma Note Balance for such Distribution Date over (ii) the Required Pro Forma Note Balance for such Distribution Date.

“Obligor” on a Receivable means the purchaser or co-purchasers of the Financed Vehicle and any other Person who owes payments under the Receivable.

“Officer’s Certificate” means a certificate signed by the chief executive officer, the president, any executive vice president, any senior vice president, any vice president, any assistant vice president, any treasurer, any assistant treasurer, any secretary or any assistant secretary of the Seller or the Servicer, as appropriate.

“Opinion of Counsel” means a written opinion of counsel satisfactory in form and substance to the recipient(s) thereof.

“Original Pool Balance” means the Pool Balance as of the Cutoff Date.

“Originating Affiliate” means an Affiliate of GM Financial that has originated Receivables and assigned its full interest therein to GM Financial.

“Other Conveyed Property” means all property conveyed by the Seller to the Trust pursuant to Section 2.1(b) through (i).

“Owner Trust Estate” has the meaning assigned to such term in the Trust Agreement.

“Owner Trustee” means Wilmington Trust Company, not in its individual capacity but solely as Owner Trustee under the Trust Agreement, its successors in interest or any successor Owner Trustee under the Trust Agreement.

“Person” means any individual, corporation, estate, partnership, joint venture, association, joint stock company, trust (including any beneficiary thereof), unincorporated organization or government or any agency or political subdivision thereof.

“Physical Property” has the meaning assigned to such term in the definition of “Delivery” above.

“Pool Balance” means, as of any date of determination, the aggregate Principal Balance of the Receivables (excluding Purchased Receivables and Liquidated Receivables) at the end of the preceding calendar month.

“Principal Balance” means, with respect to any Receivable, as of any date, the Amount Financed minus (i) that portion of all amounts received on or prior to such date and allocable to principal in accordance with the terms of the Receivable minus (ii) any Cram Down Loss in respect of such Receivable.

“Pro Forma Note Balance” means, with respect to any Distribution Date, the aggregate remaining principal amount of the Notes outstanding on such Distribution Date, after giving effect to distributions pursuant to clauses (i) through (x) of Section 5.7(a) hereof.

“Prospectus” means the prospectus, dated January 8, 2020, relating to the offering of the Offered Notes, as filed with the Commission.

“Purchase Agreement” means the Purchase Agreement between the Seller and GM Financial, dated as of January 15, 2020, pursuant to which the Seller acquires the Receivables, as such agreement may be amended from time to time.

“Purchase Amount” means, with respect to a Purchased Receivable, the Principal Balance and all accrued and unpaid interest on the Receivable, after giving effect to the receipt of any moneys collected (from whatever source) on such Receivable, if any.

“Purchased Receivable” means a Receivable purchased as of the close of business on the last day of a Collection Period by the Servicer pursuant to Sections 4.2, 4.4(c) or 4.7 or repurchased by the Seller or the Servicer pursuant to Section 3.2 or Section 10.1(a).

“Rating Agency” means Moody’s and Standard & Poor’s. If no such organization or successor maintains a rating on the Securities, “Rating Agency” shall be a nationally recognized statistical rating organization or other comparable Person engaged by the Seller, notice of which engagement shall be given to the Trust Collateral Agent, the Owner Trustee and the Servicer.

“Rating Agency Condition” means, with respect to any action, that each Rating Agency shall have been given 10 days’ (or such shorter period as shall be acceptable to each Rating

Agency) prior notice thereof by GM Financial and such Rating Agency has not notified the Seller, the Servicer, the Owner Trustee and the Trust Collateral Agent (or the Trustee, as applicable) in writing that such action will result in a reduction or withdrawal of the then current rating of any Class of Notes.

“Realized Losses” means, with respect to any Receivable that becomes a Liquidated Receivable, the excess of the Principal Balance of such Liquidated Receivable over Net Liquidation Proceeds to the extent allocable to principal.

“Receivables” means the Contracts listed on Schedule A attached hereto (which Schedule may be in an electronic format).

“Receivable Files” means the documents specified in Section 3.3.

“Record Date” means, with respect to a Distribution Date or Redemption Date, the close of business on the Business Day immediately preceding such Distribution Date or Redemption Date, unless otherwise specified in the Indenture.

“Registrar of Titles” means, with respect to any state, the governmental agency or body responsible for the registration of, and the issuance of certificates of title relating to, motor vehicles and liens thereon.

“Regulation AB” means Subpart 229.1100- Asset Backed Securities (Regulation AB), 17 C.F.R. §§229.1100-229.1125, as such may be amended from time to time and subject to such clarification and interpretation as have been provided by the Commission in the adopting releases (Asset-Backed Securities, Securities Act Release No. 33-8518. 70 Fed. Reg. 1,506,1,531 (January 7, 2005) and Asset-Backed Securities Disclosure and Registration, Securities Act Release No. 33-9638, 79 Fed. Reg. 57,184 (September 24, 2014)) or by the staff of the Commission, or as may be provided by the Commission or its staff from time to time.

“Requesting Party” shall have the meaning set forth in Section 3.13(a).

“Required Pro Forma Note Balance” means, with respect to any Distribution Date, a dollar amount equal to (x) the Adjusted Pool Balance as of the end of the prior calendar month minus (y) 2.00% of the Adjusted Pool Balance as of the Cutoff Date.

“Required Rate” means (a) 4.00%, with respect to the Cutoff Date and any Distribution Date on or prior to the date on which the Class A-2-B Notes are paid in full, or, (b) 3.50%, with respect to any Distribution Date after the Class A-2-B Notes are paid in full, or, in each case, such other percentage approved by the Rating Agencies. If no Class A-2-B Notes are issued, the Required Rate will step down from 4.00% to 3.50% on the first Distribution Date and remain at this level for each period thereafter. For the avoidance of doubt, no Class A-2-B Notes were issued by the Issuer.

“Reserve Account” means the account designated as such, established and maintained pursuant to Section 5.1(a)(iii).

“Reserve Account Deposit Amount” means, with respect to any Distribution Date, the lesser of (x) the excess of (i) the Specified Reserve Balance over (ii) the amount on deposit in the Reserve Account on such Distribution Date, after taking into account the amount of any Reserve Account Withdrawal Amount on such Distribution Date and (y) the amount remaining in the Collection Account after taking into account the distributions therefrom described in clauses (i) through (x) of Section 5.7(a).

“Reserve Account Withdrawal Amount” means, with respect to any Distribution Date, the lesser of (x) any shortfall in the amount of Available Funds available to pay the amounts specified in clauses (i) through (x) of Section 5.7(a) (taking into account application of Available Funds to the priority of payments specified in Section 5.7(a) and ignoring any provision hereof which otherwise limits the amounts described in such clauses to the amount of funds available) and (y) the amount on deposit in the Reserve Account on such Distribution Date prior to application of amounts on deposit therein pursuant to Section 5.8.

“Responsible Officer” means, with respect to any Person, any Executive Vice President, Senior Vice President, Vice President, Assistant Vice President, Treasurer, Assistant Treasurer, Secretary, Assistant Secretary, or any other officer of such Person customarily performing functions similar to those performed by any of the above designated officers and also, with respect to a particular matter, any other officer to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject.

“Retained Interest” shall have the meaning set forth in Section 12.17(a).

“Sale Amount” means, with respect to any Sold Receivable, the amount received from the related third-party purchaser as payment for such Sold Receivable.

“Sale and Servicing Agreement Collateral” shall have the meaning set forth in Section 2.4.

“Schedule of Receivables” means the schedule of all motor vehicle retail installment sale contracts and promissory notes originally held as part of the Trust which is attached as Schedule A (which Schedule may be in the form of microfiche or a disk).

“Scheduled Receivables Payment” means, with respect to any Collection Period for any Receivable, the amount set forth in such Receivable as required to be paid by the Obligor in such Collection Period. If after the Closing Date, the Obligor’s obligation under a Receivable with respect to a Collection Period has been modified so as to differ from the amount specified in such Receivable as a result of (i) the order of a court in an insolvency proceeding involving the Obligor, (ii) pursuant to the Servicemembers Civil Relief Act or (iii) modifications or extensions of the Receivable permitted by Section 4.2(b), the Scheduled Receivables Payment with respect to such Collection Period shall refer to the Obligor’s payment obligation with respect to such Collection Period as so modified.

“Second Priority Principal Distribution Amount” means, with respect to any Distribution Date, an amount equal to (a) the excess, if any, of (i) the aggregate outstanding principal amount of the Class A Notes and Class B Notes as of such Distribution Date (before giving effect to any principal payments made on the Class A Notes and Class B Notes on such Distribution Date), over (ii) the Adjusted Pool Balance for such Distribution Date minus (b) the First Priority Principal

Distribution Amount for such Distribution Date; provided, however, that the Second Priority Principal Distribution Amount on the Final Scheduled Distribution Date of the Class B Notes shall not be less than the amount that is necessary to reduce the outstanding principal amount of the Class B Notes to zero.

“Seller” means AFS SenSub Corp., a Nevada corporation, and its successors in interest to the extent permitted hereunder.

“Service Contract” means, with respect to a Financed Vehicle, the agreement, if any, financed under the related Receivable that provides for the repair of such Financed Vehicle.

“Servicer” means GM Financial, as the servicer of the Receivables, and each successor servicer pursuant to Section 9.3.

“Servicer Termination Event” means an event specified in Section 9.1.

“Servicer’s Certificate” means an Officer’s Certificate of the Servicer delivered pursuant to Section 4.9, substantially in the form of Exhibit A.

“Servicing Fee” shall have the meaning set forth in Section 4.8.

“Servicing Fee Rate” means 1.00% per annum.

“Servicing Policies and Procedures” means the customary servicing policies and procedures of GM Financial relating to motor vehicle retail installment sales contracts or promissory notes made by GM Financial or an Originating Affiliate or acquired by GM Financial or an Originating Affiliate, as such policies and procedures may be updated from time to time.

“Simple Interest Method” means the method of allocating a fixed level payment on an obligation between principal and interest, pursuant to which the portion of such payment that is allocated to interest is equal to the product of (i) the fixed rate of interest on such obligation times (ii) the period of time (expressed as a fraction of a year, based on the actual number of days in the calendar month and 365 days in the calendar year) elapsed since the preceding payment under the obligation was made.

“Sold Receivable” means a Receivable that was more than 60 days delinquent and was sold to an unaffiliated third party by the Issuer, at the Servicer’s direction, as of the close of business on the last day of a Collection Period and in accordance with the provisions of Section 4.3(c).

“Specified Reserve Balance” means, with respect to any Distribution Date, an amount equal to 0.25% of the Adjusted Pool Balance as of the Cutoff Date; provided, that the Specified Reserve Balance will in no event exceed the outstanding principal amount of the Notes on such Distribution Date after giving effect to distributions pursuant to clauses (i) through (x) of Section 5.7(a).

“Standard & Poor’s” means S&P Global Ratings, or its successor.

“Supplemental Servicing Fee” means, with respect to any Collection Period, all administrative fees, expenses and charges paid by or on behalf of Obligors, including late fees,

prepayment fees and liquidation fees collected on the Receivables during such Collection Period but excluding any fees or expenses related to extensions.

“Third Priority Principal Distribution Amount” means, with respect to any Distribution Date, an amount equal to (a) the excess, if any, of (i) the aggregate outstanding principal amount of the Class A Notes, Class B Notes and Class C Notes as of such Distribution Date (before giving effect to any principal payments made on the Class A Notes, Class B Notes and Class C Notes on such Distribution Date), over (ii) the Adjusted Pool Balance for such Distribution Date minus (b) the First Priority Principal Distribution Amount and Second Priority Principal Distribution Amount for such Distribution Date; provided, however, that the Third Priority Principal Distribution Amount on the Final Scheduled Distribution Date of the Class C Notes shall not be less than the amount that is necessary to reduce the outstanding principal amount of the Class C Notes to zero.

“Total Available Funds” shall have the meaning set forth in Section 5.7(a).

“Trust” means the Issuer.

“Trust Account Property” means the Trust Accounts, all amounts and investments held from time to time in any Trust Account (whether in the form of deposit accounts, Physical Property, book-entry securities, uncertificated securities or otherwise), and all proceeds of the foregoing.

“Trust Accounts” shall have the meaning set forth in Section 5.1.

“Trust Agreement” means the Trust Agreement, dated as of November 21, 2019, between the Seller and the Owner Trustee, as amended and restated as of January 15, 2020 as the same may be amended and supplemented from time to time.

“Trust Collateral Agent” means the Person acting as Trust Collateral Agent hereunder, its successors in interest and any successor Trust Collateral Agent hereunder.

“Trust Property” means the property and proceeds conveyed pursuant to Section 2.1, together with certain monies paid after the Cutoff Date, the Collection Account (including all Eligible Investments therein and all proceeds therefrom), the Reserve Account (including all Eligible Investments therein and all proceeds therefrom), the Note Distribution Account (including all Eligible Investments therein and all proceeds therefrom) and certain other rights under this Agreement.

“Trustee” means the Person acting as Trustee under the Indenture, its successors in interest and any successor trustee under the Indenture.

“UCC” means the Uniform Commercial Code as in effect in the relevant jurisdiction on the date of the Agreement.

“Underwriting Agreement” means the Underwriting Agreement, dated as of January 8, 2020, among the Seller, the Servicer and Xxxxx Fargo Securities, LLC, on its own behalf and as the representative of the underwriters named therein.

“Yield Supplement Overcollateralization Amount” means with respect to any calendar month and the related Distribution Date, or with respect to the Cutoff Date, the aggregate amount by which the Principal Balance as of the last day of such calendar month or the Cutoff Date, as applicable, of each of the related Receivables with an Annual Percentage Rate as stated in the related Contract is less than the Required Rate, other than a Liquidated Receivable, exceeds the present value, calculated using a discount rate equal to the Required Rate, of each Scheduled Receivables Payment of each such Receivable assuming such Scheduled Receivables Payment is made on the last day of each month and each month has 30 days.

SECTION 1.2. Other Definitional Provisions.

(a) Capitalized terms used herein and not otherwise defined herein have meanings assigned to them in the Indenture, or, if not defined therein, in the Trust Agreement.

(b) All terms defined in this Agreement shall have the defined meanings when used in any instrument governed hereby and in any certificate or other document made or delivered pursuant hereto unless otherwise defined therein.

(c) As used in this Agreement, in any instrument governed hereby and in any certificate or other document made or delivered pursuant hereto or thereto, accounting terms not defined in this Agreement or in any such instrument, certificate or other document, and accounting terms partly defined in this Agreement or in any such instrument, certificate or other document to the extent not defined, shall have the respective meanings given to them under generally accepted accounting principles as in effect on the date of this Agreement or any such instrument, certificate or other document, as applicable. To the extent that the definitions of accounting terms in this Agreement or in any such instrument, certificate or other document are inconsistent with the meanings of such terms under generally accepted accounting principles, the definitions contained in this Agreement or in any such instrument, certificate or other document shall control.

(d) The words “hereof,” “herein,” “hereunder” and words of similar import when used in this Agreement shall refer to this Agreement as a whole and not to any particular provision of this Agreement; Section, Schedule and Exhibit references contained in this Agreement are references to Sections, Schedules and Exhibits in or to this Agreement unless otherwise specified; and the term “including” shall mean “including without limitation.”

(e) The definitions contained in this Agreement are applicable to the singular as well as the plural forms of such terms and to the masculine as well as to the feminine and neuter genders of such terms.

(f) Any agreement, instrument or statute defined or referred to herein or in any instrument or certificate delivered in connection herewith means such agreement, instrument or statute as from time to time amended, modified or supplemented and includes (in the case of agreements or instruments) references to all attachments thereto and instruments incorporated therein; references to a Person are also to its permitted successors and assigns.

ARTICLE II

Conveyance of Receivables

SECTION 2.1. Conveyance of Receivables. In consideration of the Issuer’s delivery to or upon the order of the Seller on the Closing Date of an amount equal to the book value of the Receivables sold by the Seller, as set forth on the books and records of the Seller, the Seller does hereby sell, transfer, assign, set over and otherwise convey to the Issuer, without recourse (subject to the Seller’s obligations set forth herein) and the Issuer hereby purchases, all right, title and interest of the Seller in and to the property listed in clauses (a) – (i) below, whether now owned or existing or hereafter acquired or arising. The foregoing consideration will be paid by the Issuer using net proceeds from the sale of the Notes and the other amounts to be distributed from time to time to the Seller in accordance with the terms of this Agreement and the balance will be deemed a capital contribution from the Seller to the Issuer.

(a) the Receivables and all moneys received thereon after the Cutoff Date;

(b) the security interests in the Financed Vehicles granted by Obligors pursuant to the Receivables and any other interest of the Seller in such Financed Vehicles;

(c) any proceeds and the right to receive proceeds with respect to the Receivables from claims on any physical damage, credit life or disability insurance policies covering Financed Vehicles or Obligors and any proceeds from the liquidation of the Receivables;

(d) any proceeds from any Receivable repurchased by a Dealer pursuant to a Dealer Agreement as a result of a breach of representation or warranty in the related Dealer Agreement;

(e) all rights under any Service Contracts on the related Financed Vehicles;

(f) the related Receivable Files;

(g) all of the Seller’s right, title and interest in its rights and benefits, but none of its obligations or burdens, under the Purchase Agreement, and the delivery requirements, representations and warranties and the cure and repurchase obligations of GM Financial under the Purchase Agreement;

(h) all of the Seller’s (i) Accounts, (ii) Chattel Paper, (iii) Documents, (iv) Instruments and (v) General Intangibles (as such terms are defined in the UCC) relating to the property described in (a) through (g); and

(i) all proceeds and investments with respect to items (a) through (h).

SECTION 2.2. [Reserved]

SECTION 2.3. Further Encumbrance of Trust Property.

(a) Immediately upon the conveyance to the Trust by the Seller of any item of the Trust Property pursuant to Section 2.1, all right, title and interest of the Seller in and to such item of

Trust Property shall terminate, and all such right, title and interest shall vest in the Trust, in accordance with the Trust Agreement and Sections 3802 and 3805 of the Statutory Trust Statute (as defined in the Trust Agreement).

(b) Immediately upon the vesting of the Trust Property in the Trust, the Trust shall have the sole right to pledge or otherwise encumber, such Trust Property. Pursuant to the Indenture, the Trust shall grant a security interest in the Trust Property to the Trust Collateral Agent securing the repayment of the Notes. The Certificate shall represent the beneficial ownership interest in the Trust Property, and the Certificateholder shall be entitled to receive distributions with respect thereto as set forth herein.

(c) Following the payment in full of the Notes and the release and discharge of the Indenture, all covenants of the Issuer under Article III of the Indenture shall, until payment in full of the Certificate, remain as covenants of the Issuer for the benefit of the Certificateholder, enforceable by the Certificateholder to the same extent as such covenants were enforceable by the Noteholders prior to the discharge of the Indenture. Any rights of the Trustee under Article III of the Indenture, following the discharge of the Indenture, shall vest in the Certificateholder.

(d) The Trust Collateral Agent shall, at such time as there are no Notes or Certificate outstanding and all sums due to the Trustee and Trust Collateral Agent pursuant to the Basic Documents have been paid, execute such documents as are reasonably provided to it by the Seller (which documents shall be prepared at the Seller’s expense) in order to release any remaining portion of the Trust Property to the Seller.

SECTION 2.4. Intention of the Parties.

The execution and delivery of this Agreement shall constitute an acknowledgment by the Seller and the Issuer that they intend that the assignment and transfer herein contemplated constitute a sale and assignment outright, and not for security, of the Receivables and Other Conveyed Property, for non-tax purposes, conveying good title thereto free and clear of any Liens, from the Seller to the Issuer, and that the Receivables and the Other Conveyed Property shall not be a part of the Seller’s estate in the event of a bankruptcy, reorganization, arrangement, insolvency or liquidation proceeding, or other proceeding under any federal or state bankruptcy or similar law, or the occurrence of another similar event, of, or with respect to the Seller. In the event that such conveyance is determined to be made as security for a loan made by the Issuer, the Noteholders or the Certificateholder to the Seller, the Seller hereby grants to the Issuer a security interest in all of the Seller’s right, title and interest in and to the following property for the benefit of the Issuer Secured Parties, whether now owned or existing or hereafter acquired or arising, and this Agreement shall constitute a security agreement under applicable law (collectively, the “Sale and Servicing Agreement Collateral”):

(a) the Receivables and all moneys received thereon after the Cutoff Date;

(b) the security interests in the Financed Vehicles granted by Obligors pursuant to the Receivables and any other interest of the Seller in such Financed Vehicles;

(d) any proceeds from any Receivable repurchased by a Dealer pursuant to a Dealer Agreement as a result of a breach of representation or warranty in the related Dealer Agreement;

(e) all rights under any Service Contracts on the related Financed Vehicles;

(f) the related Receivable Files;

(i) all proceeds and investments with respect to items (a) through (h).

ARTICLE III

The Receivables

SECTION 3.1. Representations and Warranties of Seller.

(a) The Seller hereby represents and warrants that each of the representations and warranties regarding the Receivables that are set forth in Schedule B-1 is true and correct and that the Issuer is deemed to have relied on such representations and warranties in acquiring the Receivables. Such representations and warranties speak as of the execution and delivery of this Agreement and as of the Closing Date, but shall survive the sale, transfer and assignment of the Receivables to the Issuer and the pledge thereof to the Trust Collateral Agent pursuant to the Indenture and shall not be waived.

(b) The Seller hereby represents and warrants that each of the representations and warranties regarding the pool of Receivables that are set forth in Schedule B-2 is true and correct and that the Issuer is deemed to have relied on such representations and warranties in acquiring the Receivables. Such representations and warranties speak as of the execution and delivery of this Agreement and as of the Closing Date, but shall survive the sale, transfer and assignment of the Receivables to the Issuer and the pledge thereof to the Trust Collateral Agent pursuant to the Indenture and shall not be waived.

(c) The Seller hereby represents and warrants that each of the following representations and warranties is true and correct and that the Issuer is deemed to have relied on such representations and warranties in acquiring the Receivables. Such representations and warranties speak as of the execution and delivery of this Agreement and as of the Closing Date, but shall

survive the sale, transfer and assignment of the Receivables to the Issuer and the pledge thereof to the Trust Collateral Agent pursuant to the Indenture and shall not be waived:

(i) to the best of the Seller’s knowledge, each Receivable (a) that was originated by GM Financial was sold by GM Financial to the Seller without any fraud or misrepresentation on the part of GM Financial and (b) that was originated by a Dealer was sold by the Dealer to GM Financial and by GM Financial to the Seller without any fraud or misrepresentation on the part of such Dealer or GM Financial, respectively;

(ii) no Receivable was originated in, or is subject to the laws of, any jurisdiction the laws of which would make unlawful, void or voidable the sale, transfer and assignment of such Receivable under this Agreement or pursuant to transfers of the Notes;

(iii) the Seller has not done anything to convey any right to any Person that would result in such Person having a right to payments due under the Receivables or otherwise to impair the rights of the Trust, the Trustee, the Trust Collateral Agent and the Noteholders in any Receivable or the proceeds thereof. Other than the security interest granted to the Trust pursuant to this Agreement and except any other security interests that have been fully released and discharged as of the Closing Date, the Seller has not pledged, assigned, sold, granted a security interest in, or otherwise conveyed any of the Receivables. The Seller has not authorized the filing of and is not aware of any financing statements against the Seller that include a description of collateral covering the Receivables other than any financing statement relating to the security interest granted to the Trust hereunder or that has been terminated. The Seller is not aware of any judgment, ERISA or tax lien filings against it; and

(iv) no funds have been advanced by the Seller or anyone acting on behalf of GM Financial in order to cause any Receivable to qualify under the representation and warranty set forth as clause 20(E) of Schedule B-1.

SECTION 3.2. Repurchase upon Breach.

(a) The Seller, the Servicer, the Trust Collateral Agent, the Trustee, the Trust or the Owner Trustee, as the case may be, shall inform, and any Noteholder may inform, the other parties to this Agreement (or, in the case of notice provided by the Trustee or a Noteholder, all parties of this Agreement) promptly, by notice in writing, upon the discovery of any breach of the Seller’s representations and warranties made pursuant to Section 3.1(a) that materially and adversely affects the interests of the Noteholders in any Receivable. If Noteholders representing five percent or more of the Outstanding Amount of the Controlling Class inform the Trust Collateral Agent, by notice in writing, of any breach of the Seller’s representations and warranties made pursuant to Section 3.1(a), the Trust Collateral Agent shall inform the other parties to this Agreement in the manner specified in the preceding sentence on behalf of such Noteholders. Any such notice delivered by the Servicer, the Trust Collateral Agent, the Trust, the Trustee, any Noteholder or the Owner Trustee, as the case may be, shall constitute a request by such party that the Seller repurchase the affected Receivable. As of the last day of the second (or, if the Seller so elects, the first) month following the discovery by the Seller or receipt by the Seller of notice of such breach,

unless such breach is cured by such date, the Seller shall have an obligation to repurchase any Receivable in which the interests of the Noteholders are materially and adversely affected by any such breach as of such date. The “second month” shall mean the month following the month in which discovery occurs or notice is given, and the “first month” shall mean the month in which discovery occurs or notice is given. In consideration of and simultaneously with the repurchase of the Receivable, the Seller shall remit, or cause GM Financial to remit, to the Collection Account the Purchase Amount in the manner specified in Section 5.6(a) and the Issuer shall execute such assignments and other documents reasonably requested by such person in order to effect such repurchase. The sole remedy of the Issuer, the Owner Trustee, the Trust Collateral Agent, the Trustee or the Noteholders with respect to a breach of representations and warranties pursuant to Section 3.1(a) and the agreement contained in this Section shall be the repurchase of Receivables pursuant to this Section, subject to the conditions contained herein or to enforce the obligation of GM Financial to the Seller to repurchase such Receivables pursuant to the Purchase Agreement. Neither the Owner Trustee, the Trust Collateral Agent nor the Trustee shall have a duty to conduct any affirmative investigation as to the occurrence of any conditions requiring the repurchase of any Receivable pursuant to this Section.

In addition to the foregoing and notwithstanding whether the related Receivable shall have been purchased by the Seller, the Seller shall indemnify the Trust, the Trustee, the Trust Collateral Agent and the officers, directors, agents and employees thereof, and the Noteholders against all costs, expenses, losses, damages, claims and liabilities, including reasonable fees and expenses of counsel, which may be asserted against or incurred by any of them as a result of third-party claims arising out of the events or facts giving rise to such breach.

(b) Pursuant to Section 2.1 of this Agreement, the Seller conveyed to the Trust all of the Seller’s right, title and interest in its rights and benefits, but none of its obligations or burdens, under the Purchase Agreement including the Seller’s rights under the Purchase Agreement and the delivery requirements, representations and warranties and the cure or repurchase obligations of GM Financial thereunder. The Seller hereby represents and warrants to the Trust that such assignment is valid, enforceable and effective to permit the Trust to enforce such obligations of GM Financial under the Purchase Agreement. Any purchase by GM Financial pursuant to the Purchase Agreement shall be deemed a purchase by the Seller pursuant to this Section 3.2 and the definition of Purchased Receivable.

SECTION 3.3. Custody of Receivable Files.

(a) In connection with the sale, transfer and assignment of the Receivables and the Other Conveyed Property to the Trust pursuant to this Agreement and simultaneously with the execution and delivery of this Agreement, the Trust Collateral Agent hereby revocably appoints the Custodian, and the Custodian hereby accepts such appointment, to act as the agent of the Trust Collateral Agent as custodian of the following documents or instruments in its possession or control (the “Receivable Files”) which shall be delivered to the Custodian as agent of the Trust Collateral Agent on or before the Closing Date (with respect to each Receivable):

(i) The fully executed original (or with respect to “electronic chattel paper”, the authoritative copy) of the Contract; and

(ii) The Lien Certificate (when received), and otherwise such documents, if any, that GM Financial keeps on file in accordance with its customary procedures indicating that the Financed Vehicle is owned by the Obligor and subject to the interest of GM Financial or an Originating Affiliate (which may be accomplished by the use of a properly registered “doing business as” (“DBA”) name in the applicable jurisdiction) as first lienholder or secured party (including any Lien Certificate received by GM Financial), or, if such Lien Certificate has not yet been received, a copy of the application therefor or other documentation (which may include a dealer guaranty) that indicates that GM Financial has commenced procedures that will result in such Lien Certificate showing GM Financial or an Originating Affiliate (which may be accomplished by the use of a properly registered DBA name in the applicable jurisdiction) as secured party.

The Receivable Files are constructively delivered to the Trust Collateral Agent, as pledgee of the Issuer pursuant to the Indenture, and the Custodian hereby, as of the Closing Date, acknowledges receipt of the Receivable File for each Receivable listed in Schedule A hereto. No initial review or any periodic review of the Receivable Files by the Issuer, the Owner Trustee, the Trustee or the Trust Collateral Agent is required.

(b) If the Trust Collateral Agent, or its agent, as the case may be, is acting as the Custodian pursuant to Section 3.12, the Trust Collateral Agent, or its agent, as the case may be, shall be deemed to have assumed the obligations of the Custodian (except for any liabilities incurred by the predecessor Custodian) specified in this Agreement until such time as a successor Custodian has been appointed. Upon payment in full of any Receivable, the Servicer will notify the Custodian pursuant to a certificate of an officer of the Servicer (which certificate shall include a statement to the effect that all amounts received in connection with such payments which are required to be deposited in the Collection Account pursuant to Section 4.1 have been so deposited) and shall request delivery of the Receivable and Receivable File to the Servicer; provided, that no such certificate will be required to be delivered for so long as GM Financial is the Servicer. Upon the sale of any Receivable pursuant to Section 4.3(c), the Servicer (if GM Financial is not the Servicer) will notify the Custodian pursuant to a certificate of an officer of the Servicer (which certificate shall include a statement to the effect that all amounts received in connection with such sale which are required to be deposited in the Collection Account pursuant to Section 4.3(c) have been so deposited) and shall request delivery of the Receivable and Receivable File to the purchaser of such Receivable. From time to time as appropriate for servicing and enforcing any Receivable, the Custodian shall, upon written request of an officer of the Servicer and delivery to the Custodian of a receipt signed by such officer, cause the original Receivable and the related Receivable File to be released to the Servicer; provided, that no such written request shall be required for so long as GM Financial is the Servicer. The Servicer’s receipt of a Receivable and/or Receivable File shall obligate the Servicer to return the original Receivable and the related Receivable File to the Custodian when its need by the Servicer has ceased unless the Receivable is repurchased as described in Section 3.2, 4.2, 4.4(c) or 4.7.

(c) The authoritative copy of each Contract that constitutes or evidences a Receivable which is “electronic chattel paper” (within the meaning of the UCC) will be maintained by an Electronic Chattel Paper Sub-Custodian on behalf of the Custodian for the benefit of the Trust Collateral Agent. The Custodian will confirm that the authoritative copy of each Contract that constitutes or evidences a Receivable which is “electronic chattel paper” does not have any marks

or notations indicating it has been pledged, assigned or otherwise conveyed to any Person other than the Trust Collateral Agent. The Custodian will confirm that each Contract which is “electronic chattel paper” has been established in a manner such that (a) all copies or revisions that add or change an identified assignee of the authoritative copy of each such Contract must be made with the participation of the Custodian on behalf of the Trust Collateral Agent and (b) all revisions of the authoritative copy of each such Contract must be readily identifiable as an authorized or unauthorized revision.

(d) The Servicer hereby agrees that upon any appointment of a successor Servicer hereunder it shall take all necessary action to transfer all of its control of any Receivables consisting of electronic chattel paper to the applicable successor Servicer (including the transfer of such electronic chattel paper to a separate electronic vault at each Electronic Chattel Paper Sub-Custodian controlled by such successor Servicer or to a separate electronic vault at such successor Servicer or export of the electronic chattel paper from the applicable electronic vault and delivery of physical copies of exported Contracts to the successor Servicer).

(e) In its capacity as Custodian, the Servicer confirms that it is acting solely as agent of the Trust Collateral Agent with respect to the Receivables which are electronic chattel paper.

SECTION 3.4. Maintenance and Safekeeping of the Receivable Files. The Custodian will accurately maintain and keep current the Receivable Files, including any computer systems on which the Receivable Files are electronically stored, all in a manner that will permit the Servicer and the Issuer to comply with this Agreement and the Trust Collateral Agent to comply with the Indenture. The Custodian will act with reasonable care, using that degree of skill and attention that a commercial bank acting in the capacity of a custodian would exercise with respect to files relating to comparable automotive or other receivables that it services or holds for itself or others. The Custodian shall promptly report to the Trust Collateral Agent in writing any failure on its part to hold the Receivable Files and maintain its accounts, records and computer systems as herein provided and promptly take appropriate action to remedy any such failure.

SECTION 3.5. Location of Receivable Files. The Custodian will maintain the Receivable Files in the United States in such a manner as to permit retrieval thereof and access thereto in the manner contemplated by this Agreement. The Custodian’s records will at all times indicate that it is holding the Receivable Files on behalf of the Trust, separate from any other instruments and files that it holds.

SECTION 3.6. Access to Records. The Custodian shall, subject only to the Custodian’s security requirements applicable to its own employees having access to similar records held by the Custodian, which requirements shall be consistent with the practices of a commercial bank acting in the capacity of custodian with respect to similar files or records, and at such times as may be reasonably imposed by the Custodian, permit only the Noteholders and the Trust Collateral Agent or their duly authorized representatives, attorneys or auditors to inspect, at the Servicer’s expense, the Receivable Files and the related accounts, records, and computer systems maintained by the Custodian pursuant hereto at such times as the Noteholders or the Trust Collateral Agent may reasonably request.

SECTION 3.7. Advice of Counsel. The Custodian shall be entitled to rely and act upon advice of counsel with respect to its performance hereunder as custodian and shall be without liability for any action reasonably taken pursuant to such advice, provided that such action is not in violation of applicable Federal or state law.

SECTION 3.8. Administration; Reports. The Custodian shall, in general, attend to all non-discretionary details in connection with maintaining custody of the Receivable Files on behalf of the Trust Collateral Agent. In addition, the Custodian shall assist the Trust Collateral Agent generally in the preparation of any routine reports to Noteholders or to regulatory bodies, to the extent necessitated by the Custodian’s custody of the Receivable Files.

SECTION 3.9. Instructions; Authority to Act. The Custodian shall be deemed to have received proper instructions with respect to the Receivable Files upon its receipt of written instructions signed by a Responsible Officer of the Trust Collateral Agent. Such instructions may be general or specific in terms. A copy of any such instructions shall be furnished by the Trust Collateral Agent to the Trustee (if they are separate entities) and the Issuer.

SECTION 3.10. Custodian Fee. For its services under this Agreement, the Custodian shall be entitled to reasonable compensation to be paid by the Servicer.

SECTION 3.11. Indemnification by the Custodian. The Custodian agrees to indemnify the Issuer, the Owner Trustee, the Trust Collateral Agent and the Trustee for any and all liabilities, obligations, losses, damage, payments, costs or expenses of any kind whatsoever (including the fees and expenses of counsel) that may be imposed on, incurred or asserted against the Issuer, the Owner Trustee, the Trust Collateral Agent and the Trustee and their respective officers, directors, employees, agents, attorneys and successors and assigns as the result of any act or omission in any way relating to the maintenance and custody by the Custodian of the Receivable Files; provided, however, that the Custodian shall not be liable for any portion of any such liabilities, obligations, losses, damages, payments or costs or expenses due to the Issuer’s, the Owner Trustee’s, the Trust Collateral Agent’s or the Trustee’s or the officers’, directors’, employees’ and agents’ thereof own willful misfeasance, bad faith or gross negligence. In no event shall the Custodian be liable to any third party for acts or omissions of the Custodian.

SECTION 3.12. Effective Period and Termination of Custodian. GM Financial’s appointment as custodian is effective as of the Cutoff Date and will continue until terminated pursuant to this Section 3.12. So long as GM Financial is serving as Custodian, any termination of GM Financial as Servicer hereunder shall terminate GM Financial as Custodian. As soon as practicable after termination of its appointment as custodian, the Custodian shall deliver, at the Custodian’s expense, the Receivable Files to the Trust Collateral Agent on behalf of the Noteholders at such place or places as the Trust Collateral Agent may designate, and the Trust Collateral Agent, or its agent, as the case may be, shall act as custodian for such Receivable Files on behalf of the Noteholders until such time as a successor custodian has been appointed. If, within seventy-two (72) hours after the termination of this Agreement, the Custodian has not delivered the Receivable Files in accordance with the preceding sentence, the Trust Collateral Agent may enter the premises of the Custodian and remove the Receivable Files from such premises.

SECTION 3.13. Dispute Resolution.

(a) If the Servicer, the Trust, the Owner Trustee, the Trustee, the Trust Collateral Agent, a Noteholder or the Trust Collateral Agent on behalf of certain Noteholders in accordance with the following sentence (the “Requesting Party”) requests that the Seller and/or GM Financial repurchase a Receivable due to an alleged breach of a representation and warranty in Section 5.1 of the Purchase Agreement or in Section 3.2(a) hereof (each, a “Repurchase Request”), and the Repurchase Request has not been resolved within 180 days of the receipt of notice of the Repurchase Request by the Seller or GM Financial, as the case may be (which resolution may take the form of a repurchase of the related Receivable by the Seller or GM Financial, as applicable, a withdrawal of the related Repurchase Request by the related Requesting Party or a cure of the condition that led to the related breach in the manner set forth herein or in the Purchase Agreement, as applicable), the Requesting Party may refer the matter, in its sole discretion, to either mediation (including non-binding arbitration) or binding third-party arbitration. Noteholders representing five percent or more of the Outstanding Amount of the Controlling Class may direct the Trust Collateral Agent, by notice in writing, in relation to any matter described in the preceding sentence, to initiate either mediation (including non-binding arbitration) or binding third-party arbitration, as directed by such Noteholders, on behalf of such Noteholders. The Requesting Party must start the mediation or arbitration proceeding according to the ADR Rules of the ADR Organization within 90 days following the date on which the Form 10-D is filed that relates to the Collection Period during which the related 180-day period ended. The Seller and GM Financial agree to participate in the dispute resolution method selected by the Requesting Party.

(b) If the Requesting Party selects mediation for dispute resolution:

(i) The mediation will be administered by the ADR Organization using its ADR Rules. However, if any ADR Rules are inconsistent with the procedures for mediation stated in this Section 3.13(b), the procedures in this Section 3.13(b) will control.

(ii) A single mediator will be selected by the ADR Organization from a list of neutrals maintained by it according to the ADR Rules. The mediator must be impartial, an attorney admitted to practice in the State of New York and have at least 15 years of experience in commercial litigation and, if possible, consumer finance or asset-backed securitization matters.

(iii) The mediation will start within 15 Business Days after the selection of the mediator and conclude within 30 days after the start of the mediation.

(iv) Expenses of the mediation will be allocated to the parties as mutually agreed by them as part of the mediation.

(v) If the parties fail to agree at the completion of the mediation, the Requesting Party may refer the Repurchase Request to arbitration under this Section 3.13.

(i) The arbitration will be administered by the ADR Organization using its ADR Rules. However, if any ADR Rules are inconsistent with the procedures for arbitration stated in this Section 3.13(c), the procedures in this Section 3.13(c) will control.

(ii) A single arbitrator will be selected by the ADR Organization from a list of neutrals maintained by it according to the ADR Rules. The arbitrator must be an attorney admitted to practice in the State of New York and have at least 15 years of experience in commercial litigation and, if possible, consumer finance or asset-backed securitization matters. The arbitrator will be independent and impartial and will comply with the Code of Ethics for Arbitrators in Commercial Disputes in effect at the time of the arbitration. Before accepting an appointment, the arbitrator must promptly disclose any circumstances likely to create a reasonable inference of bias or conflict of interest or likely to preclude completion of the proceedings within the stated time schedule. The arbitrator may be removed by the ADR Organization for cause consisting of actual bias, conflict of interest or other serious potential for conflict.

(iii) The arbitrator will have the authority to schedule, hear and determine any motions, according to New York law, and will do so at the motion of any party. Discovery will be completed with 30 days of selection of the arbitrator and will be limited for each party to two witness depositions not to exceed five hours, two interrogatories, one document request and one request for admissions. However, the arbitrator may grant additional discovery on a showing of good cause that the additional discovery is reasonable and necessary. Briefs will be limited to no more than ten pages each, and will be limited to initial statements of the case, motions and a pre-hearing brief. The evidentiary hearing on the merits will start no later than 60 days after selection of the arbitrator and will proceed for no more than six consecutive Business Days with equal time allocated to each party for the presentation of evidence and cross examination. The arbitrator may allow additional time for discovery and hearings on a showing of good cause or due to unavoidable delays.

(iv) The arbitrator will make its final determination no later than 90 days after its selection. The arbitrator will resolve the dispute according to the terms of this Agreement and the other Basic Documents, and may not modify or change this Agreement or the other Basic Documents in any way. The arbitrator will not have the power to award punitive damages or consequential damages in any arbitration conducted by them. In its final determination, the arbitrator will determine and award the expenses of the arbitration (including filing fees, the fees of the arbitrator, expense of any record or transcript of the arbitration and administrative fees) to the parties in its reasonable discretion. The determination of the arbitrator will be in writing and counterpart copies will be promptly delivered to the parties. The determination will be final and non-appealable, except for actions to confirm or vacate the determination permitted under federal or State law, and may be entered and enforced in any court of competent jurisdiction.

(v) By selecting arbitration, the Requesting Party is giving up the right to xxx in court, including the right to a trial by jury.

(vi) The Requesting Party may not bring a putative or certificated class action to arbitration. If this waiver of class action rights is found to be unenforceable for any reason, the Requesting Party agrees that it will bring its claims in a court of competent jurisdiction.

(d) For each mediation or arbitration:

(i) Any mediation or arbitration will be held in New York, New York at the offices of the mediator or arbitrator or at another location selected by the Seller or GM Financial. Any party or witness may participate by teleconference or video conference.

(ii) The Seller, GM Financial and the Requesting Party will have the right to seek provisional relief from a competent court of law, including a temporary restraining order, preliminary injunction or attachment order, if such relief is available by law.

(iii) Neither the Seller nor GM Financial will be required to produce personally identifiable customer information for purposes of any mediation or arbitration. The existence and details of any unresolved Repurchase Request, any informal meetings, mediations or arbitration proceedings, the nature and amount of any relief sought or granted, any offers or statements made and any discovery taken in the proceeding will be confidential, privileged and inadmissible for any purpose in any other mediation, arbitration, litigation or other proceeding. The parties will keep this information confidential and will not disclose or discuss it with any third party (other than a party’s attorneys, experts, accountants and other advisors, as reasonably required in connection with the mediation or arbitration proceeding under this Section 3.13), except as required by law, regulatory requirement or court order. If a party to a mediation or arbitration proceeding receives a subpoena or other request for information from a third party (other than a governmental regulatory body) for confidential information of the other party to the mediation or arbitration proceeding, the recipient will promptly notify the other party and will provide the other party with the opportunity to object to the production of its confidential information.

ARTICLE IV

Administration and Servicing of Receivables

SECTION 4.1. Duties of the Servicer. The Servicer is hereby authorized to act as agent for the Trust and in such capacity shall manage, service, administer and make collections on the Receivables, and perform the other actions required by the Servicer under this Agreement. The Servicer agrees that its servicing of the Receivables shall be carried out in accordance with customary and usual procedures of institutions which service motor vehicle retail installment sale contracts or promissory notes and, to the extent more exacting, the degree of skill and attention that the Servicer exercises from time to time with respect to all comparable motor vehicle receivables that it services for itself or others. In performing such duties, so long as GM Financial is the Servicer, it shall substantially comply with the Servicing Policies and Procedures. The Servicer’s duties shall include, without limitation, collecting and posting all payments, responding to inquiries of Obligors on the Receivables, investigating delinquencies, sending payment invoices to Obligors, reporting any required tax information to Obligors, monitoring the collateral, accounting for collections and furnishing monthly and annual statements to the Trust Collateral Agent and the Trustee with respect to distributions, and performing the other duties specified herein.

The Servicer, or if GM Financial is no longer the Servicer, GM Financial, at the request of the Servicer, shall also administer and enforce all rights and responsibilities of the holder of the Receivables provided for in the Dealer Agreements (and shall maintain possession of the Dealer Agreements, to the extent it is necessary to do so), the Dealer Assignments and the Insurance Policies, to the extent that such Dealer Agreements, Dealer Assignments and Insurance Policies relate to the Receivables, the Financed Vehicles or the Obligors. To the extent consistent with the standards, policies and procedures otherwise required hereby, the Servicer shall follow its customary standards, policies, and procedures and shall have full power and authority, acting alone, to do any and all things in connection with such managing, servicing, administration and collection that it may deem necessary or desirable. Without limiting the generality of the foregoing, the Servicer is hereby authorized and empowered by the Trust to execute and deliver, on behalf of the Trust, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, and all other comparable instruments, with respect to the Receivables and with respect to the Financed Vehicles; provided, however, that notwithstanding the foregoing, the Servicer shall not, except pursuant to an order from a court of competent jurisdiction, release an Obligor from payment of any unpaid amount under any Receivable or waive the right to collect the unpaid balance of any Receivable from the Obligor, except in accordance with the Servicer’s customary practices.

The Servicer is hereby authorized to commence, in its own name or in the name of the Trust, a legal proceeding to enforce a Receivable pursuant to Section 4.3 or to commence or participate in any other legal proceeding (including, without limitation, a bankruptcy proceeding) relating to or involving a Receivable, an Obligor or a Financed Vehicle. If the Servicer commences or participates in such a legal proceeding in its own name, the Trust shall thereupon be deemed to have automatically assigned such Receivable to the Servicer solely for purposes of commencing or participating in any such proceeding as a party or claimant, and the Servicer is authorized and empowered by the Trust to execute and deliver in the Servicer’s name any notices, demands, claims, complaints, responses, affidavits or other documents or instruments in connection with any such proceeding. The Trust Collateral Agent and the Owner Trustee shall furnish the Servicer with any limited powers of attorney and other documents which the Servicer may reasonably request and which the Servicer deems necessary or appropriate and take any other steps which the Servicer may deem necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties under this Agreement.

As set forth in Section 9.3, in the event the Servicer fails to perform its obligations hereunder, the successor Servicer shall be responsible for the Servicer’s duties in this Agreement as if it were the Servicer, provided that the successor Servicer shall not be liable for the Servicer’s breach of its obligations.

SECTION 4.2. Collection of Receivable Payments; Modifications of Receivables.

(a) Consistent with the standards, policies and procedures required by this Agreement, the Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Receivables as and when the same shall become due, and shall follow such collection procedures as it follows with respect to all comparable automobile receivables that it services for itself or others and otherwise act with respect to the Receivables, the Dealer Agreements, the Dealer Assignments, the Insurance Policies and the Other Conveyed Property in

such manner as will, in the reasonable judgment of the Servicer, maximize the amount to be received by the Trust with respect thereto, including directing the Issuer to sell the Receivables pursuant to Section 4.3(c). The Servicer is authorized in its discretion to waive any prepayment charge, late payment charge or any other similar fees that may be collected in the ordinary course of servicing any Receivable.

(b) The Servicer may grant extensions, rebates, deferrals, amendments, modifications or adjustments with respect to any Receivable in accordance with its Servicing Policies and Procedures; provided, however, that if the Servicer (i) extends a Receivable beyond the Collection Period immediately preceding the latest Final Scheduled Distribution Date, or (ii) reduces the Amount Financed or APR with respect to any Receivable, it will repurchase such Receivable in the manner provided in Section 3.2 if such change in the Receivable would materially and adversely affect the interests of the Noteholders, unless the Servicer is required to take such action by law (including, without limitation, by the Servicemembers Civil Relief Act) or court order.

(c) Subject to the proviso of the first sentence in Section 4.2(b), the Servicer or its Affiliates may engage in any marketing practice or promotion of any sale of any products, goods or services to Obligors with respect to the Receivables so long as such practices, promotions or sales are offered to obligors of comparable motor vehicle receivables serviced by the Servicer for itself and others, whether or not such practices, promotions or sales might result in a decrease in the aggregate amount of payments on the Receivables, prepayments or faster or slower timing of the payment of the Receivables.

(d) The Servicer shall remit all payments by or on behalf of the Obligors received directly by the Servicer to the Collection Account as soon as practicable, but in no event later than the second (2nd) Business Day after receipt thereof; provided, however, that if the Monthly Remittance Condition is satisfied, then the Servicer shall not be required to deposit into the Collection Account all payments by or on behalf of the Obligors received directly by the Servicer until noon, New York City time, on the Business Day prior to the Distribution Date immediately following receipt thereof. (For purposes of the preceding sentence, “receipt” of a payment shall mean the initial deposit thereof in the Servicer’s bank account.)

(e) [Reserved].

(f) GM Financial shall not cause or permit the substitution of the Financed Vehicle relating to a Receivable unless: (i) the substitution is a replacement of the Financed Vehicle originally financed under the related Receivable; (ii) the Financed Vehicle originally financed under the related Receivable was either (x) insured under an Insurance Policy as required under Section 4.4(a) at the time of a casualty loss that is treated as a total loss under such Insurance Policy, (y) deemed to be a “lemon” pursuant to applicable state law and repurchased by the related Dealer or (z) the subject of an order by a court of competent jurisdiction directing GM Financial to substitute another vehicle under the related Receivable; (iii) the related Receivable is not more than 30 days delinquent; (iv) the Obligor is deemed to be in “good standing” by the Servicer and is not in breach of any requirement under the related Receivable; (v) the replacement Financed Vehicle has a book value (N.A.D.A.) at least equal to the book value (N.A.D.A.) of the Financed Vehicle that is being replaced, measured immediately before the casualty loss or replacement by the Dealer and (vi) as of the date of such substitution, the replacement Financed Vehicle’s mileage

is no greater than the mileage on the Financed Vehicle that is being replaced; provided, however, that if the substitution is made pursuant to clause (ii)(z), above, clauses (iii) through (vi) inclusive, shall not be applicable. GM Financial shall not cause or permit the substitution of Financed Vehicles relating to Receivables having an original aggregate Principal Balance greater than two percent (2%) of the Original Pool Balance, (the “Substitution Limit”). In the event that the Substitution Limit is exceeded for any reason, (i) GM Financial shall, on or before the next following Accounting Date, repurchase a sufficient number of such Receivables to cause the aggregate original Principal Balances of such Receivables to be less than the Substitution Limit or (ii) if GM Financial is not the Servicer and the Servicer has caused substitutions to be made hereunder pursuant to the circumstances described in clause (ii)(x), above, the Servicer shall, on or before the next following Accounting Date, repurchase a sufficient number of such Receivables to cause the aggregate original Principal Balances of such Receivables to be less than the Substitution Limit.

SECTION 4.3. Realization upon Receivables.

(a) In addition to the Servicer’s ability to direct the Issuer to sell Receivables pursuant to Section 4.3(c), and consistent with the standards, policies and procedures required by this Agreement, the Servicer shall use its best efforts to repossess (or otherwise comparably convert the ownership of) and liquidate any Financed Vehicle securing a Receivable with respect to which the Servicer has determined that payments thereunder are not likely to be resumed, as soon as is practicable; provided, however, that the Servicer may elect not to repossess a Financed Vehicle if in its good faith judgment it determines that the proceeds ultimately recoverable with respect to such Receivable would be increased by forbearance or if it instead elects to direct the Issuer to sell the Receivables pursuant to Section 4.3(c). The Servicer is authorized to follow such customary practices and procedures as it shall deem necessary or advisable, consistent with the standard of care required by Section 4.1, which practices and procedures may include reasonable efforts to realize upon any recourse to Dealers, the sale of the related Financed Vehicle at public or private sale, the submission of claims under an Insurance Policy and other actions by the Servicer in order to realize upon such a Receivable. The foregoing is subject to the provision that, in any case in which the Financed Vehicle shall have suffered damage, the Servicer shall not expend funds in connection with any repair or towards the repossession of such Financed Vehicle unless it expects in its sole discretion, that such repair and/or repossession shall increase the proceeds of liquidation of the related Receivable by an amount greater than the amount of such expenses. All amounts received upon liquidation of a Financed Vehicle shall be remitted directly by the Servicer to the Collection Account without deposit into any intervening account as soon as practicable, but in no event later than the Business Day after receipt thereof (or, if the Monthly Remittance Condition is satisfied, by no later than noon, New York City time, on the Business Day prior to the Distribution Date immediately following receipt thereof). The Servicer shall be entitled to recover all reasonable expenses incurred by it in the course of repossessing and liquidating a Financed Vehicle into cash proceeds, but only out of the cash proceeds of such Financed Vehicle, any deficiency obtained from the Obligor or any amounts received from the related Dealer, which amounts in reimbursement may be retained by the Servicer (and shall not be required to be deposited as provided in Section 4.2(e)) to the extent of such expenses. The Servicer shall pay on behalf of the Trust any personal property taxes assessed on repossessed Financed Vehicles. The Servicer shall be entitled to reimbursement of any such tax from Net Liquidation Proceeds with respect to such Receivable.

(b) If the Servicer, or if GM Financial is no longer the Servicer, GM Financial at the request of the Servicer, elects to commence a legal proceeding to enforce a Dealer Agreement or Dealer Assignment, the act of commencement shall be deemed to be an automatic assignment from the Trust to the Servicer, or to GM Financial at the request of the Servicer, of the rights under such Dealer Agreement or Dealer Assignment for purposes of collection only. If, however, in any enforcement suit or legal proceeding it is held that the Servicer or GM Financial, as appropriate, may not enforce a Dealer Agreement or Dealer Assignment on the grounds that it is not a real party in interest or a Person entitled to enforce the Dealer Agreement or Dealer Assignment, the Owner Trustee and/or the Trust Collateral Agent, at GM Financial’s expense, or the Seller, at the Seller’s expense, shall take such steps as the Servicer deems reasonably necessary to enforce the Dealer Agreement or Dealer Assignment, including bringing suit in its name or the name of the Seller or of the Trust and the Owner Trustee and/or the Trust Collateral Agent for the benefit of the Noteholders. All amounts recovered shall be remitted directly by the Servicer as provided in Section 4.2(e).

(c) Consistent with the standards, policies and procedures required by this Agreement, the Servicer may use its best efforts to locate a third-party purchaser that is not affiliated with the Servicer, the Seller or the Issuer to purchase from the Issuer any Receivable that has become more than 60 days delinquent, and shall have the right to direct the Issuer to sell any such Receivable to the third-party purchaser; provided, that no more than 20% of the number of Receivables in the pool as of the Cutoff Date may be sold by the Issuer pursuant to this Section 4.3(c) in the aggregate; provided further, that the Servicer may elect to not direct the Issuer to sell a Receivable that has become more than 60 days delinquent if in its good faith judgment the Servicer determines that the proceeds ultimately recoverable with respect to such Receivable would be increased by forbearance. In selecting Receivables to be sold to a third-party purchaser pursuant to this Section 4.3(c), the Servicer shall use commercially reasonable efforts to locate purchasers for the most delinquent Receivables first. In any event, the Servicer shall not use any procedure in selecting Receivables to be sold to third-party purchasers which is materially adverse to the interest of the Noteholders. The Issuer shall sell each Sold Receivable for the greatest market price possible; provided, however, that aggregate Sale Amounts received by the Issuer for all Receivables sold to a single third-party purchaser on a single date must be at least equal to the sum of the Minimum Sale Prices for all such Receivables. The Servicer shall remit or cause the third-party purchaser to remit all sale proceeds from the sale of Receivables to the Collection Account without deposit into any intervening account as soon as practicable, but in no event later than the Business Day after receipt thereof.

SECTION 4.4. Insurance.

(a) The Servicer shall require, in accordance with the Servicing Policies and Procedures, that each Financed Vehicle be insured by the related Obligor under the Insurance Policies referred to in Paragraph 18 of Schedule B-1 hereto. Each Receivable requires the Obligor to maintain such physical loss and damage insurance, naming GM Financial or an Originating Affiliate (which may be accomplished by the use of a properly registered DBA name in the applicable jurisdiction) and its successors and assigns as additional insureds, and permits the holder of such Receivable to obtain physical loss and damage insurance at the expense of the Obligor if the Obligor fails to maintain such insurance. If the Servicer shall determine that an Obligor has failed to obtain or maintain a physical loss and damage Insurance Policy covering the related Financed Vehicle which satisfies the conditions set forth in such Paragraph 18 (including,

without limitation, during the repossession of such Financed Vehicle) the Servicer may enforce the rights of the holder of the Receivable under the Receivable to require the Obligor to obtain such physical loss and damage insurance in accordance with the Servicing Policies and Procedures. The Servicer may maintain a vendor’s single interest or other collateral protection insurance policy with respect to all Financed Vehicles (“Collateral Insurance”) which policy shall by its terms insure against physical loss and damage in the event any Obligor fails to maintain physical loss and damage insurance with respect to the related Financed Vehicle. The Servicer shall cause itself or an Originating Affiliate, and may cause the Trust Collateral Agent (which may be accomplished by the use of a properly registered DBA name in the applicable jurisdiction), to be named as named insured under all policies of Collateral Insurance. Costs incurred by the Servicer in maintaining such Collateral Insurance shall be paid by the Servicer.

(b) The Servicer may, if an Obligor fails to obtain or maintain a physical loss and damage Insurance Policy, obtain insurance with respect to the related Financed Vehicle and advance on behalf of such Obligor, as required under the terms of the insurance policy, the premiums for such insurance (such insurance being referred to herein as “Force-Placed Insurance”). All policies of Force-Placed Insurance shall be endorsed with clauses providing for loss payable to the Servicer. Any cost incurred by the Servicer in maintaining such Force-Placed Insurance shall only be recoverable out of premiums paid by the Obligors or Net Liquidation Proceeds with respect to the Receivable, as provided in Section 4.4(c).

(c) In connection with any Force-Placed Insurance obtained hereunder, the Servicer may, in the manner and to the extent permitted by applicable law, require the Obligors to repay the entire premium to the Servicer. In no event shall the Servicer include the amount of the premium in the Amount Financed under the Receivable. For all purposes of this Agreement, the Insurance Add-On Amount with respect to any Receivable having Force-Placed Insurance will be treated as a separate obligation of the Obligor and will not be added to the Principal Balance of such Receivable, and amounts allocable thereto will not be available for distribution on the Notes and the Certificate. The Servicer shall retain and separately administer the right to receive payments from Obligors with respect to Insurance Add-On Amounts or rebates of Forced-Placed Insurance premiums. If an Obligor makes a payment with respect to a Receivable having Force-Placed Insurance, but the Servicer is unable to determine whether the payment is allocable to the Receivable or to the Insurance Add-On Amount, the payment shall be applied first to any unpaid Scheduled Receivables Payments and then to the Insurance Add-On Amount. Net Liquidation Proceeds on any Receivable will be used first to pay the Principal Balance and accrued interest on such Receivable and then to pay the related Insurance Add-On Amount. If an Obligor under a Receivable with respect to which the Servicer has placed Force-Placed Insurance fails to make scheduled payments of such Insurance Add-On Amount as due, and the Servicer has determined that eventual payment of the Insurance Add-On Amount is unlikely, the Servicer may, but shall not be required to, purchase such Receivable from the Trust for the Purchase Amount on any subsequent Determination Date. Any such Receivable, and any Receivable with respect to which the Servicer has placed Force-Placed Insurance which has been paid in full (excluding any Insurance Add-On Amounts) will be assigned to the Servicer.

(d) The Servicer may xxx to enforce or collect upon the Insurance Policies, in its own name, if possible, or as agent of the Trust. If the Servicer elects to commence a legal proceeding to enforce an Insurance Policy, the act of commencement shall be deemed to be an automatic

assignment of the rights of the Trust under such Insurance Policy to the Servicer for purposes of collection only. If, however, in any enforcement suit or legal proceeding it is held that the Servicer may not enforce an Insurance Policy on the grounds that it is not a real party in interest or a holder entitled to enforce the Insurance Policy, the Issuer and/or the Trust Collateral Agent, at the Servicer’s expense, or the Seller, at the Seller’s expense, shall take such steps as the Servicer deems necessary to enforce such Insurance Policy, including bringing suit in its name or the name of the Trust and the Owner Trustee and/or the Trust Collateral Agent for the benefit of the Noteholders.

SECTION 4.5. Maintenance of Security Interests in Vehicles.

(a) Consistent with the policies and procedures required by this Agreement, the Servicer shall take such steps on behalf of the Trust as are necessary to maintain perfection of the security interest created by each Receivable in the related Financed Vehicle, including, but not limited to, obtaining the execution by the Obligors and the recording, registering, filing, re-recording, re-filing, and re-registering of all security agreements, financing statements and continuation statements as are necessary to maintain the security interest granted by the Obligors under the respective Receivables. The Trust Collateral Agent hereby authorizes the Servicer, and the Servicer agrees, to take any and all steps necessary to re-perfect such security interest on behalf of the Trust as necessary because of the relocation of a Financed Vehicle or for any other reason. In the event that the assignment of a Receivable to the Trust is insufficient, without a notation on the related Financed Vehicle’s certificate of title, or without fulfilling any additional administrative requirements under the laws of the state in which the Financed Vehicle is located, to perfect a security interest in the related Financed Vehicle in favor of the Trust, the Servicer hereby agrees that the designation of GM Financial or an Originating Affiliate (which may be accomplished by the use of a properly registered DBA name in the applicable jurisdiction) as the secured party on the Lien Certificate is in its capacity as Servicer as agent of the Trust.

(b) Upon the occurrence of a Servicer Termination Event, the Servicer or the successor Servicer (if no successor Servicer has been appointed, then the Trust Collateral Agent) shall take or cause to be taken such action as may, in the Opinion of Counsel to the Majority Noteholders, be necessary to perfect or re-perfect the security interests in the Financed Vehicles securing the Receivables in the name of the Trust by amending the title documents of such Financed Vehicles or by such other reasonable means as may, in the Opinion of Counsel to the Majority Noteholders, be necessary or prudent.

GM Financial hereby agrees to pay all expenses related to such perfection or reperfection and to take all action necessary therefor. GM Financial hereby appoints the Trust Collateral Agent as its attorney-in-fact to take any and all steps required to be performed by GM Financial pursuant to this Section 4.5(b) (it being understood that and agreed that the Trust Collateral Agent shall have no obligation to take such steps with respect to all perfection or reperfection, except as pursuant to the Basic Documents to which it is a party and to which GM Financial has paid all expenses), including execution of Lien Certificates or any other documents in the name and stead of GM Financial (which may be accomplished by the use of a properly registered DBA name in the applicable jurisdiction), and the Trust Collateral Agent hereby accepts such appointment.

SECTION 4.6. Covenants, Representations, and Warranties of Servicer. By its execution and delivery of this Agreement, the Servicer makes the following representations,

warranties and covenants on which the Trust Collateral Agent relies in accepting the Receivables and on which the Trustee relies in authenticating the Notes.

(a) The Servicer covenants as follows:

(i) Liens in Force. The Financed Vehicle securing each Receivable shall not be released in whole or in part from the security interest granted by the Receivable, except upon payment in full of the Receivable or as otherwise contemplated herein;

(ii) No Impairment. The Servicer shall do nothing to impair the rights of the Trust or the Noteholders in the Receivables, the Dealer Agreements, the Dealer Assignments, the Insurance Policies or the Other Conveyed Property except as otherwise expressly provided herein;

(iii) No Amendments. The Servicer shall not extend or otherwise amend the terms of any Receivable, except in accordance with Section 4.2; and

(iv) Restrictions on Liens. The Servicer shall not (A) create, incur or suffer to exist, or agree to create, incur or suffer to exist, or consent to cause or permit in the future (upon the happening of a contingency or otherwise) the creation, incurrence or existence of any Lien or restriction on transferability of the Receivables except for the Lien in favor of the Trust Collateral Agent for the benefit of the Noteholders and the restrictions on transferability imposed by this Agreement or (B) sign or file under the Uniform Commercial Code of any jurisdiction any financing statement which names GM Financial or the Servicer as a debtor, or sign any security agreement authorizing any secured party thereunder to file such financing statement, with respect to the Receivables, except in each case any such instrument solely securing the rights and preserving the Lien of the Trust Collateral Agent, for the benefit of the Noteholders.

SECTION 4.7. Purchase of Receivables Upon Breach of Covenant. Upon discovery by any of the Servicer, a Responsible Officer of the Trust Collateral Agent, the Owner Trustee or a Responsible Officer of the Trustee of a breach of any of the covenants set forth in Sections 3.4, 3.5, 3.6, 4.5(a) or 4.6 that materially and adversely affects the interests of the Noteholders in any Receivable (including any Liquidated Receivable), the party discovering such breach shall give prompt written notice to the others; provided, however, that the failure to give any such notice shall not affect any obligation of GM Financial as Servicer under this Section. As of the second Accounting Date following its discovery or receipt of notice of any breach of any covenant set forth in Sections 3.4, 3.5, 3.6, 4.5(a) or 4.6 which materially and adversely affects the interests of the Noteholders in any Receivable (including any Liquidated Receivable) (or, at GM Financial’s election, the first Accounting Date so following) or the related Financed Vehicle, GM Financial shall, unless such breach shall have been cured in all material respects, purchase from the Trust the Receivable affected by such breach and, on the related Determination Date, GM Financial shall pay the related Purchase Amount. It is understood and agreed that the obligation of GM Financial to purchase any Receivable (including any Liquidated Receivable) with respect to which such a breach has occurred and is continuing shall, if such obligation is fulfilled, constitute the sole remedy against GM Financial for such breach available to the Noteholders, the Issuer, the Owner Trustee or the Trust Collateral Agent; provided, however, that GM Financial shall indemnify the

Trust, the Owner Trustee, the Trust Collateral Agent, the Trustee and the Noteholders from and against all costs, expenses, losses, damages, claims and liabilities, including reasonable fees and expenses of counsel, which may be asserted against or incurred by any of them as a result of third-party claims arising out of the events or facts giving rise to such breach.

SECTION 4.8. Total Servicing Fee; Payment of Certain Expenses by Servicer. On each Distribution Date, the Servicer shall be entitled to receive out of the Collection Account the Base Servicing Fee and any Supplemental Servicing Fee for the related Collection Period (together, the “Servicing Fee”) pursuant to Section 5.7. The Servicer shall be required to pay all expenses incurred by it in connection with its activities under this Agreement (including taxes imposed on the Servicer, expenses incurred in connection with distributions and reports made by the Servicer to the Noteholders and all other fees and expenses of the Owner Trustee, the Trust Collateral Agent or the Trustee; provided, however, the Servicer shall not be required to pay taxes levied or assessed against the Trust or claims against the Trust in respect of indemnification unless such taxes and claims are expressly stated to be for the account of GM Financial). The Servicer shall be liable for the fees and expenses of the Owner Trustee, the Trust Collateral Agent, the Trustee, the Custodian and the Independent Accountants. Notwithstanding the foregoing, if the Servicer shall not be GM Financial, a successor to GM Financial as Servicer permitted by Section 9.3 shall not be liable for taxes levied or assessed against the Trust or claims against the Trust in respect of indemnification, or the fees and expenses referred to above.

SECTION 4.9. Servicer’s Certificate and Asset-Level Information.

(a) Servicer’s Certificate. No later than noon Eastern time on each Determination Date, the Servicer shall deliver (electronic delivery being acceptable) to the Trustee, the Owner Trustee and the Trust Collateral Agent the monthly Servicer’s Certificate. The Servicer will also deliver the Servicer’s Certificate to each Rating Agency on the same date the Servicer’s Certificate is publicly available (provided that if the Servicer’s Certificate is not made publicly available, the Servicer will deliver it to each Rating Agency no later than the 25thof each month (or if not a Business Day, the next succeeding Business Day)). Each Servicer’s Certificate will be executed by a Responsible Officer of the Servicer and contain among other things: (i) all information necessary to enable the Trust Collateral Agent to make the distributions required by Sections 5.7(a) and 5.7(b), (ii) a listing of all Purchased Receivables and Sold Receivables purchased by the Servicer or sold by the Issuer as of the related Accounting Date, identifying the Receivables so purchased by the Servicer or sold by the Issuer, (iii) all information necessary to enable the Trust Collateral Agent to make such statements available to Noteholders as required by Section 5.9 and (iv) solely in the case of the first monthly Servicer’s Certificate, the disclosure required by Rule 4(c)(1)(ii) of Regulation RR, 17 C.F.R. §246.1, et seq. (the “Credit Risk Retention Rules”). Receivables purchased by the Servicer or by the Seller on the related Accounting Date and each Receivable which became a Liquidated Receivable or which was paid in full during the related Collection Period shall be identified by account number (as set forth in the Schedule of Receivables).

(b) Asset-Level Information. On or before the 15th day following each Distribution Date, the Servicer will prepare a Form ABS-EE, including an asset data file and asset-related document containing the asset-level information for each Receivable for the prior Collection Period as required by Item 1A of Form 10-D.

SECTION 4.10. Annual Statement as to Compliance, Notice of Servicer Termination Event.

(a) To the extent required by Section 1123 of Regulation AB, the Servicer, shall deliver to the Trustee, the Owner Trustee, the Trust Collateral Agent and each Rating Agency, on or before March 31 (or 90 days after the end of the Issuer’s fiscal year, if other than December 31) of each year (regardless of whether the Seller has ceased filing reports under the Exchange Act), beginning on March 31, 2021, an officer’s certificate signed by any Responsible Officer of the Servicer, dated as of December 31 of the previous calendar year, stating that (i) a review of the activities of the Servicer during the preceding calendar year (or such other period as shall have elapsed from the Closing Date to the date of the first such certificate) and of its performance under this Agreement has been made under such officer’s supervision, and (ii) to such officer’s knowledge, based on such review, the Servicer has fulfilled in all material respects all its obligations under this Agreement throughout such period, or, if there has been a failure to fulfill any such obligation in any material respect, identifying each such failure known to such officer and the nature and status of such failure.

(b) The Seller or the Servicer shall deliver to the Trustee, the Owner Trustee, the Trust Collateral Agent, the Servicer or the Seller (as applicable) and each Rating Agency promptly after having obtained knowledge thereof, but in no event later than two (2) Business Days thereafter, written notice in an officer’s certificate of any event which with the giving of notice or lapse of time, or both, would become a Servicer Termination Event under any clause of Section 9.1.

(c) The Servicer will deliver to the Issuer, on or before March 31 of each year, beginning on March 31, 2021, a report regarding the Servicer’s assessment of compliance with certain minimum servicing criteria during the immediately preceding calendar year, as required under Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation AB.

(d) To the extent required by Regulation AB, the Servicer will cause any affiliated servicer or any other party deemed to be participating in the servicing function pursuant to Item 1122 of Regulation AB to provide to the Issuer, on or before March 31 of each year, beginning on March 31, 2021, a report regarding such party’s assessment of compliance with certain minimum servicing criteria during the immediately preceding calendar year, as required under Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation AB.

(e) The Bank of New York Mellon acknowledges, in its capacity as Trust Collateral Agent under this Agreement and in its capacity as Trustee under the Basic Documents, that to the extent it is deemed to be participating in the servicing function pursuant to Item 1122 of Regulation AB, it will take any such action as outlined in the Item 1122 Letter Agreement to ensure compliance with the requirements of Section 4.10(d) and Section 4.11(b) hereof and with Item 1122 of Regulation AB. Such required documentation will be delivered to the Servicer by March 15 of each calendar year.

SECTION 4.11. Annual Independent Public Accountants’ Reports.

(a) The Servicer shall cause a firm of nationally recognized independent certified public accountants (the “Independent Accountants”), who may also render other services to the Servicer or its Affiliates, to deliver to the Trustee, the Owner Trustee and the Trust Collateral Agent, on or

before March 31 (or 90 days after the end of the Issuer’s fiscal year, if other than December 31) of each year, beginning on March 31, 2021, a report, dated as of December 31 of the preceding calendar year, addressed to the board of directors of the Servicer, providing its attestation report on the servicing assessment delivered pursuant to Section 4.10(c), including disclosure of any material instance of non-compliance, as required by Rule 13a-18 and 15d-18 of the Exchange Act and Item 1122(b) of Regulation AB. Such attestation will be in accordance with Rules 1-02(a)(3) and 2-02(g) of Regulation S-X under the Securities Act and the Exchange Act.

(b) Each party required to deliver an assessment of compliance described in Section 4.10(d) shall cause Independent Accountants, who may also render other services to such party or its Affiliates, to deliver to the Trustee, the Owner Trustee, the Trust Collateral Agent and the Servicer, on or before March 31 (or 90 days after the end of the Issuer’s fiscal year, if other than December 31) of each year, beginning on March 31, 2021, a report, dated as of December 31 of the preceding calendar year, addressed to the board of directors of such party, providing its attestation report on the servicing assessment delivered pursuant to Section 4.10(d), including disclosure of any material instance of non-compliance, as required by Rule 13a-18 and 15d-18 of the Exchange Act and Item 1122(b) of Regulation AB. Such attestation will be in accordance with Rules 1-02(a)(3) and 2-02(g) of Regulation S-X under the Securities Act and the Exchange Act

(c) The Servicer shall cause a firm of Independent Accountants, who may also render other services to the Servicer or to the Seller, (1) to deliver to the Trustee, the Owner Trustee and the Trust Collateral Agent, on or before April 30 (or 120 days after the end of the Servicer’s fiscal year, if other than December 31) of each year, beginning on April 30, 2021, with respect to the twelve months ended the immediately preceding December 31 (or other applicable date) (or such other period as shall have elapsed from the Closing Date to the date of such certificate (which period shall not be less than six months)), a copy of the Form 10-K filed with the Commission for General Motors Financial Company, Inc., which filing includes a statement that such audit was made in accordance with generally accepted auditing standards, and accordingly included such tests of the accounting records and such other auditing procedures as such firm considered necessary in the circumstances; provided, however, that to the extent that the Servicer or an Affiliate of the Servicer makes such information publicly available, the requirement under this Section 4.11(c) shall be deemed satisfied, and (2) upon request of the Trustee, the Owner Trustee or the Trust Collateral Agent, to issue an acknowledgement to the effect that such firm has audited the books and records of General Motors Financial Company, Inc., in which the Servicer is included as a consolidated subsidiary, and issued its report pursuant to item (1) of this section and that the accounting firm is independent of the Seller and the Servicer within the meaning of the Code of Professional Ethics of the American Institute of Certified Public Accountants

SECTION 4.12. Access to Certain Documentation and Information Regarding Receivables. The Servicer shall provide to representatives of the Trustee, the Owner Trustee and the Trust Collateral Agent reasonable access to the documentation regarding the Receivables. In each case, such access shall be afforded without charge but only upon reasonable request and during normal business hours. Nothing in this Section shall affect the obligation of the Servicer to observe any applicable law prohibiting disclosure of information regarding the Obligors, and the failure of the Servicer to provide access as provided in this Section as a result of such obligation shall not constitute a breach of this Section.

ARTICLE V

Trust Accounts; Distributions; Statements to Noteholders

SECTION 5.1. Establishment of Trust Accounts.

(a) (i) The Trust Collateral Agent, on behalf of the Noteholders, shall establish and maintain in its own name an Eligible Deposit Account (the “Collection Account”), bearing a designation clearly indicating that the funds deposited therein are held for the benefit of the Trust Collateral Agent on behalf of the Noteholders. The Collection Account shall initially be established with the Trust Collateral Agent.

(ii) The Trust Collateral Agent, on behalf of the Noteholders, shall establish and maintain in its own name an Eligible Deposit Account (the “Note Distribution Account”), bearing a designation clearly indicating that the funds deposited therein are held for the benefit of the Trust Collateral Agent on behalf of the Noteholders. The Note Distribution Account shall initially be established with the Trust Collateral Agent.

(iii) The Trust Collateral Agent, on behalf of the Noteholders, shall establish and maintain in its own name an Eligible Deposit Account (the “Reserve Account”), bearing a designation clearly indicating that the funds deposited therein are held for the benefit of the Trust Collateral Agent on behalf of the Noteholders. The Reserve Account shall initially be established with the Trust Collateral Agent.

(b) Funds on deposit in the Collection Account, the Reserve Account and the Note Distribution Account (collectively, the “Trust Accounts”) shall be invested by the Trust Collateral Agent (or any custodian with respect to funds on deposit in any such account) in Eligible Investments selected in writing by the Servicer (pursuant to standing instructions or otherwise). Absent receipt of such written investment direction from the Servicer, funds on deposit in the Trust Accounts shall be held uninvested. All such Eligible Investments shall be held by or on behalf of the Trust Collateral Agent for the benefit of the Noteholders. Other than as permitted by the Rating Agencies, funds on deposit in any Trust Account shall be invested in Eligible Investments that will mature so that such funds will be available at the close of business on the Business Day immediately preceding the following Distribution Date. All Eligible Investments will be held to maturity. Each institution at which the relevant Trust Account is maintained shall invest the funds therein as directed in writing by the Servicer in Eligible Investments. The Servicer acknowledges that upon its written request and at no additional cost, it has the right to receive notification after the completion of each such investment or the Trust Collateral Agent’s receipt of a broker confirmation. The Servicer agrees that such notifications will not be provided by the Trust Collateral Agent hereunder, and the Trust Collateral Agent shall make available, upon request and in lieu of notifications, periodic account statements that reflect such investment activity. No statement need be made available if no activity has occurred in the relevant Trust Account during such period.

(c) All Investment Earnings of moneys deposited in each Trust Account shall be deposited (or caused to be deposited) in the Collection Account on each Distribution Date by the Trust Collateral Agent and applied as Available Funds on such Distribution Date, and any loss resulting from such investments shall be charged to the related Trust Account. The Servicer will not direct the Trust Collateral Agent to make any investment of any funds held in any of the Trust Accounts unless the security interest granted and perfected in such account will continue to be perfected in such investment, in either case without any further action by any Person, and, in connection with any direction to the Trust Collateral Agent to make any such investment, if requested by the Trust Collateral Agent, the Servicer shall deliver to the Trust Collateral Agent an Opinion of Counsel, acceptable to the Trust Collateral Agent, to such effect.

(d) The Trust Collateral Agent shall not in any way be held liable by reason of any insufficiency in any of the Trust Accounts resulting from any loss on any Eligible Investment included therein except for losses attributable to the Trust Collateral Agent’s negligence or bad faith or its failure to make payments on such Eligible Investments issued by the Trust Collateral Agent, in its commercial capacity as principal obligor and not as Trust Collateral Agent or as Trustee, in accordance with their terms.

(e) If (i) the Servicer shall have failed to give investment directions in writing for any funds on deposit in the Trust Accounts to the Trust Collateral Agent by 1:00 p.m. Eastern Time (or such other time as may be agreed by the Issuer and Trust Collateral Agent) on any Business Day; or (ii) a Default or Event of Default shall have occurred and is continuing with respect to the Notes but the Notes shall not have been declared due and payable, or, if such Notes shall have been declared due and payable following an Event of Default, amounts collected or received from the Trust Property are being applied as if there had not been such a declaration; then the Trust Collateral Agent shall, to the fullest extent practicable, invest and reinvest funds in the Trust Accounts in accordance with the instructions outlined in the most recent investment direction letter between the Servicer and the Trust Collateral Agent.

(f) (i) The Trust Collateral Agent shall possess all right, title and interest in all funds on deposit from time to time in the Trust Accounts and in all proceeds thereof for the benefit of the Noteholders and all such funds, investments, proceeds and income shall be part of the Owner Trust Estate. Except as otherwise provided herein, the Trust Accounts shall be under the sole dominion and control of the Trust Collateral Agent for the benefit of the Noteholders. If, at any time, any of the Trust Accounts ceases to be an Eligible Deposit Account, the Trust Collateral Agent (or the Servicer on its behalf) shall within five Business Days (or such longer period as to which each Rating Agency may consent) establish a new Trust Account as an Eligible Deposit Account and shall transfer any cash and/or any investments to such new Trust Account. In connection with the foregoing, the Servicer agrees that, in the event that any of the Trust Accounts are not accounts with the Trust Collateral Agent, the Servicer shall notify the Trust Collateral Agent in writing promptly upon any of such Trust Accounts ceasing to be an Eligible Deposit Account.

(ii) With respect to the Trust Account Property, the Trust Collateral Agent agrees that:

(A) any Trust Account Property that is held in deposit accounts shall be held solely in the Eligible Deposit Accounts; and, except as otherwise provided herein, each such Eligible Deposit Account shall be subject to the exclusive custody and control of the Trust Collateral Agent, and the Trust Collateral Agent shall have sole signature authority with respect thereto;

(B) any Trust Account Property that constitutes Physical Property shall be delivered to the Trust Collateral Agent in accordance with paragraph (a) of the definition of “Delivery” and shall be held, pending maturity or disposition, solely by the Trust Collateral Agent or a securities intermediary (as such term is defined in Section 8-102(14) of the UCC) acting solely for the Trust Collateral Agent;

(C) the “securities intermediary’s jurisdiction” for purposes of Section 8-110 of the UCC shall be the State of New York;

(D) any Trust Account Property that is a book-entry security held through the Federal Reserve System pursuant to Federal book-entry regulations shall be delivered in accordance with paragraph (b) of the definition of “Delivery” and shall be maintained by the Trust Collateral Agent, pending maturity or disposition, through continued book-entry registration of such Trust Account Property as described in such paragraph;

(E) any Trust Account Property that is an “uncertificated security” or a “security entitlement” under Article 8 of the UCC and that is not governed by clause (D) above shall be delivered to the Trust Collateral Agent in accordance with paragraph (c) or (d), if applicable, of the definition of “Delivery” and shall be maintained by the Trust Collateral Agent, pending maturity or disposition, through continued registration of the Trust Collateral Agent’s (or its nominee’s) ownership of such security; and

(F) any cash that is Trust Account Property shall be considered a “financial asset” under Article 8 of the UCC.

(g) The Servicer shall have the power to instruct the Trust Collateral Agent to make withdrawals and payments from the Trust Accounts for the purpose of permitting the Servicer and the Trust Collateral Agent to carry out their respective duties hereunder.

SECTION 5.2. [Reserved]

SECTION 5.3. Certain Reimbursements to the Servicer. The Servicer will be entitled to be reimbursed from amounts on deposit in the Collection Account with respect to a Collection Period for amounts previously deposited in the Collection Account but later determined by the Servicer to have resulted from mistaken deposits or postings or checks returned for insufficient funds. The amount to be reimbursed hereunder shall be paid to the Servicer on the related Distribution Date pursuant to Section 5.7(a)(i) upon certification by the Servicer of such amounts and the provision of such information to the Trust Collateral Agent. The Servicer will additionally be entitled to receive from amounts on deposit in the Collection Account with respect to a Collection Period any amounts paid by Obligors but that do not relate to (i) principal and interest

payments due on the Receivables and (ii) any fees or expenses related to extensions due on the Receivables.

SECTION 5.4. Application of Collections. All collections for the Collection Period shall be applied by the Servicer as follows:

(a) With respect to each Receivable (other than a Purchased Receivable or a Sold Receivable), payments by or on behalf of the Obligor, (other than Supplemental Servicing Fees with respect to such Receivable, to the extent collected) shall be applied to interest and principal in accordance with the Simple Interest Method.

(b) All amounts collected that are payable to the Servicer as Supplemental Servicing Fees hereunder shall be deposited in the Collection Account and paid to the Servicer in accordance with Section 5.7(a).

SECTION 5.5. [Reserved].

SECTION 5.6. Additional Deposits.

(a) The Servicer and the Seller, as applicable, shall deposit or cause to be deposited in the Collection Account on the Determination Date on which such obligations are due the aggregate Purchase Amount with respect to Purchased Receivables and the aggregate Sale Amounts with respect to Sold Receivables.

(b) The proceeds of any purchase or sale of the assets of the Trust described in Section 10.1 shall be deposited in the Collection Account.

SECTION 5.7. Distributions.

(a) On each Distribution Date, the Trust Collateral Agent shall (based solely on the information contained in the Servicer’s Certificate delivered with respect to the related Determination Date) apply or cause to be applied the sum of (x) the Available Funds (after withdrawing amounts deposited in error and Liquidation Proceeds relating to Purchased Receivables) for the related Collection Period plus (y) the Reserve Account Withdrawal Amount for such Distribution Date (such sum, the “Total Available Funds”) to distribute the following amounts from the Collection Account unless otherwise specified, to the extent of the sources of funds stated to be available therefor, and in the following order of priority:

(i) to the Servicer, (1) the Base Servicing Fee for the related Collection Period, (2) any Supplemental Servicing Fees for the related Collection Period, (3) any amounts specified in Section 5.3 and (4), to the extent the Servicer has not reimbursed itself in respect of such amounts pursuant to Section 5.3, and to the extent not retained by the Servicer, to pay to GM Financial any amounts paid by Obligors during the preceding calendar month that did not relate to (x) principal and interest payments due on the Receivables and (y) any fees or expenses related to extensions due on the Receivables;

(ii) to each of the Trustee, the Trust Collateral Agent, the Asset Representations Reviewer and the Owner Trustee, their respective accrued and unpaid

fees, expenses and indemnities (in each case, to the extent such fees, expenses or indemnities have not been previously paid by the Servicer, and provided that such fees, expenses and indemnities shall not exceed (x) $100,000 in the aggregate in any calendar year to the Owner Trustee, (y) $100,000 in the aggregate in any calendar year to the Trust Collateral Agent and the Trustee and (z) $200,000 in the aggregate in any calendar year to the Asset Representations Reviewer);

(iii) to the Note Distribution Account for distribution to the Class A Noteholders, pari passu, the Noteholders’ Interest Distributable Amount for the Class A Notes for such Distribution Date;

(iv) to the Note Distribution Account, for distribution as provided in paragraph (b) below, the First Priority Principal Distribution Amount;

(v) to the Note Distribution Account for distribution to the Class B Noteholders, the Noteholders’ Interest Distributable Amount for the Class B Notes for such Distribution Date;

(vi) to the Note Distribution Account, for distribution as provided in paragraph (b) below, the Second Priority Principal Distribution Amount;

(vii) to the Note Distribution Account for distribution to the Class C Noteholders, the Noteholders’ Interest Distributable Amount for the Class C Notes for such Distribution Date;

(viii) to the Note Distribution Account, for distribution as provided in paragraph (b) below, the Third Priority Principal Distribution Amount;

(ix) to the Note Distribution Account for distribution to the Class D Noteholders, the Noteholders’ Interest Distributable Amount for the Class D Notes for such Distribution Date;

(x) to the Note Distribution Account, for distribution as provided in paragraph (b) below, the Fourth Priority Principal Distribution Amount;

(xi) to the Reserve Account, the Reserve Account Deposit Amount for such Distribution Date;

(xii) to the Note Distribution Account, for distribution as provided in paragraph (b) below, the Noteholders’ Principal Distributable Amount;

(xiii) to pay each of the Trustee, the Owner Trustee, the Trust Collateral Agent and the Asset Representations Reviewer any fees, expenses and indemnities then due to such party that are in excess of the related cap or annual limitation specified in clause (ii) above; and

(xiv) to the Certificate Distribution Account for distribution to the Certificateholder in accordance with the Trust Agreement, the aggregate amount remaining in the Collection Account.

On any Distribution Date with respect to which no Servicer’s Certificate was delivered, to the extent there are Available Funds in the Collection Account, the Trust Collateral Agent will make payments of the Noteholders’ Interest Distributable Amounts described in (iii), (v), (vii) and (ix) above.

(b) On each Distribution Date, the Trust Collateral Agent shall apply or cause to be applied the aggregate of the amounts described in clause (iv), (vi), (viii), (x) and (xii) of paragraph (a) above on that Distribution Date in the following order of priority:

(i) to the Class A-1 Noteholders in reduction of the remaining principal balance of the Class A-1 Notes, until the outstanding principal balance thereof has been reduced to zero;

(ii) to the Class A-2-A Noteholders in reduction of the remaining principal balance of the Class A-2-A Notes, until the outstanding principal balance thereof has been reduced to zero;

(iii) to the Class A-3 Noteholders in reduction of the remaining principal balance of the Class A-3 Notes, until the outstanding principal balance thereof has been reduced to zero;

(iv) to the Class A-4 Noteholders in reduction of the remaining principal balance of the Class A-4 Notes, until the outstanding principal balance thereof has been reduced to zero;

(v) to the Class B Noteholders in reduction of the remaining principal balance of the Class B Notes, until the outstanding principal balance thereof has been reduced to zero;

(vi) to the Class C Noteholders in reduction of the remaining principal balance of the Class C Notes, until the outstanding principal balance thereof has been reduced to zero; and

(vii) to the Class D Noteholders in reduction of the remaining principal balance of the Class D Notes, until the outstanding principal balance thereof has been reduced to zero;

provided, however, that, (A) following an acceleration of the Notes pursuant to the Indenture, (B) the occurrence of an Event of Default pursuant to Sections 5.1(a), 5.1(b) or 5.1(d) of the Indenture or (C) the receipt of Insolvency Proceeds pursuant to Section 10.1(b), the Total Available Funds and amounts deposited in the Note Distribution Account (including any such Insolvency Proceeds) shall be paid to the Noteholders pursuant to Section 5.6(a) of the Indenture.

(c) In the event that the Collection Account is maintained with an institution other than the Trust Collateral Agent, the Servicer shall instruct and cause such institution to make all deposits and distributions pursuant to Sections 5.7(a) and 5.7(b) on the related Distribution Date.

(d) In the event that any withholding tax is imposed on the Trust’s payment (or allocations of income) to a Noteholder, such tax shall reduce the amount otherwise distributable to the Noteholder in accordance with this Section. The Trust Collateral Agent is hereby authorized and directed to retain from amounts otherwise distributable to the Noteholders sufficient funds for the payment of any tax attributable to the Trust (but such authorization shall not prevent the Trust Collateral Agent from contesting any such tax in appropriate proceedings, and withholding payment of such tax, if permitted by law, pending the outcome of such proceedings). The amount of any withholding tax imposed with respect to a Noteholder shall be treated as cash distributed to such Noteholder at the time it is withheld by the Trust and remitted to the appropriate taxing authority. If there is a possibility that withholding tax is payable with respect to a distribution (such as a distribution to a non-U.S. Noteholder), the Trust Collateral Agent may in its sole discretion withhold such amounts in accordance with this clause (d). In the event that a Noteholder wishes to apply for a refund of any such withholding tax, the Trust Collateral Agent shall reasonably cooperate with such Noteholder in making such claim so long as such Noteholder agrees to reimburse the Trust Collateral Agent for any out-of-pocket expenses (including legal fees and expenses) incurred.

(e) Distributions required to be made to Noteholders on any Distribution Date shall be made to each Noteholder of record on the preceding Record Date either by (i) wire transfer, in immediately available funds, to the account of such Holder at a bank or other entity having appropriate facilities therefore, if such Noteholder shall have provided to the Note Registrar appropriate written instructions at least five Business Days prior to such Distribution Date and such Holder’s Notes in the aggregate evidence a denomination of not less than $1,000,000 or (ii) by check mailed to such Noteholder at the address of such holder appearing in the Note Register. Notwithstanding the foregoing, the final distribution in respect of any Note (whether on the Final Scheduled Distribution Date or otherwise) will be payable only upon presentation and surrender of such Note at the office or agency maintained for that purpose by the Note Registrar pursuant to Section 2.4 of the Indenture.

(f) Subject to Section 5.1 and this Section, monies received by the Trust Collateral Agent hereunder need not be segregated in any manner except to the extent required by law and may be deposited under such general conditions as may be prescribed by law, and the Trust Collateral Agent shall not be liable for any interest thereon.

SECTION 5.8. Reserve Account.

(a) On the Closing Date, the Seller shall deposit the Specified Reserve Balance into the Reserve Account. Amounts held from time to time in the Reserve Account shall be held by the Trust Collateral Agent for the benefit of the Noteholders.

(b) The Seller may, from time to time after the date hereof, request each Rating Agency to approve a formula for determining the Specified Reserve Balance that is different from the formula set forth herein, which may result in a decrease in the amount of the Specified Reserve

Balance or change the manner by which the Reserve Account is funded. Notwithstanding any other provision of this Agreement, the use of such new formula will be deemed to be approved upon the satisfaction of the Rating Agency Condition with respect to the use of such new formula, and the Specified Reserve Balance will be determined in accordance with such new formula and this Agreement will be amended to reflect such new formula without the consent of any Noteholder.

(c) On each Distribution Date, the Servicer shall instruct the Trust Collateral Agent (based on the information contained in the Servicer’s Certificate delivered on the related Determination Date) (A) if the amount on deposit in the Reserve Account (without taking into account any amount on deposit in the Reserve Account representing net investment earnings) is less than the Specified Reserve Balance, in which case the Trust Collateral Agent shall, after payment of any amounts required to be distributed pursuant to clauses (i) through (x) of Section 5.7(a) deposit in the Reserve Account the Reserve Account Deposit Amount pursuant to Section 5.7(a)(xi), and (B) if the amount on deposit in the Reserve Account, after giving effect to all other deposits thereto and withdrawals therefrom to be made on such Distribution Date is greater than the Specified Reserve Balance, in which case the Trust Collateral Agent shall distribute the amount of such excess as part of Available Funds on such Distribution Date.

(d) On each Distribution Date, the Servicer shall instruct the Trust Collateral Agent (based on the information contained in the Servicer’s Certificate delivered on the related Determination Date) to withdraw the Reserve Account Withdrawal Amount from the Reserve Account and deposit such amounts in the Collection Account to be included as Total Available Funds for that Distribution Date.

(e) Amounts properly transferred to the Certificate Distribution Account for payment to the Certificateholder pursuant to this Agreement shall not be available to the Trust Collateral Agent or the Trust for the purpose of making deposits to the Reserve Account, or making payments to the Noteholders, nor shall the Certificateholder be required to refund any amount properly received by them.

SECTION 5.9. Statements to Noteholders.

(a) On or prior to each Distribution Date, the Trust Collateral Agent shall make available to each Noteholder of record a statement setting forth at least the following information as to the Notes solely to the extent such information has been received from the Servicer pursuant to Section 4.9:

(i) the amount of such distribution allocable to principal of each Class of Notes;

(ii) the amount of such distribution allocable to interest on or with respect to each Class of Notes;

(iii) the required Reserve Account Withdrawal Amount or any excess released from the Reserve Account and included in Available Funds;

(iv) the Pool Balance and Adjusted Pool Balance as of the close of business on the last day of the preceding Collection Period;

(v) the aggregate outstanding principal amount of each Class of the Notes and the Note Pool Factor for each such Class after giving effect to payments allocated to principal reported under (i) above;

(vi) the amount of the Servicing Fee paid to the Servicer with respect to the related Collection Period and/or due but unpaid with respect to such Collection Period or prior Collection Periods, as the case may be;

(vii) the Noteholders’ Interest Carryover Amount, if any, and the change in that amount from the preceding statement;

(viii) the Yield Supplement Overcollateralization Amount as of the opening of business on the first day of the preceding Collection Period and as of the close of business on the last day of the preceding Collection Period;

(ix) the amount of the aggregate Realized Losses, if any, for the second preceding Collection Period; and

(x) the aggregate Purchase Amounts for Receivables, if any, that were repurchased by the Servicer or the Seller in such period.

(b) The Trust Collateral Agent will make available each month to each Noteholder the statements referred to in Section 5.9(a) above (and certain other documents, reports and information regarding the Receivables provided by the Servicer from time to time) via the Trust Collateral Agent’s internet website, with the use of a password provided by the Trust Collateral Agent. The Trust Collateral Agent’s internet website will be located at xxxxx://xxxxxxxxxxxxxxxxxxxx.xxxxxxxxx.xxx or at such other address as the Trust Collateral Agent shall notify the Noteholders from time to time. For assistance with regard to this service, Noteholders can call the Trust Collateral Agent’s technical assistance center at (000) 000-0000. The Trust Collateral Agent shall have the right to change the way the statements referred to in Section 5.9(a) above are distributed in order to make such distribution more convenient and/or more accessible to the parties entitled to receive such statements so long as such statements are only provided to the then current Noteholders. The Trust Collateral Agent shall provide notification of any such change to all parties entitled to receive such statements in the manner described in Section 12.3 hereof, Section 11.4 of the Indenture or Section 11.5 of the Indenture, as appropriate.

SECTION 5.10. [Reserved].

ARTICLE VI

[Reserved]

ARTICLE VII

The Seller

SECTION 7.1. Representations of Seller. The Seller makes the following representations on which the Issuer is deemed to have relied in acquiring the Receivables and on

which the Trustee and Trust Collateral Agent may rely. The representations speak as of the execution and delivery of this Agreement and as of the Closing Date, and shall survive the sale of the Receivables to the Issuer and the pledge thereof to the Trust Collateral Agent pursuant to the Indenture.

(a) Schedules of Representations. The representations and warranties set forth on the Schedules of Representations attached hereto as Schedule B-1 and Schedule B-2 are true and correct.

(b) Organization and Good Standing. The Seller has been duly organized and is validly existing as a corporation in good standing under the laws of the State of Nevada, with power and authority to own its properties and to conduct its business as such properties are currently owned and such business is currently conducted, and had at all relevant times, and now has, power, authority and legal right to acquire, own and sell the Receivables and the Other Conveyed Property transferred to the Trust.

(c) Due Qualification. The Seller is duly qualified to do business as a foreign corporation, is in good standing and has obtained all necessary licenses and approvals in all jurisdictions where the failure to do so would materially and adversely affect Seller’s ability to transfer the Receivables and the Other Conveyed Property to the Trust pursuant to this Agreement, or the validity or enforceability of the Receivables and the Other Conveyed Property or to perform Seller’s obligations hereunder and under the Seller’s Basic Documents.

(d) Power and Authority. The Seller has the power and authority to execute and deliver this Agreement and its Basic Documents and to carry out its terms and their terms, respectively; the Seller has full power and authority to sell and assign the Receivables and the Other Conveyed Property to be sold and assigned to and deposited with the Trust by it and has duly authorized such sale and assignment to the Trust by all necessary corporate action; and the execution, delivery and performance of this Agreement and the Seller’s Basic Documents have been duly authorized by the Seller by all necessary corporate action.

(e) Valid Sale, Binding Obligations. This Agreement effects a valid sale, transfer and assignment of the Receivables and the Other Conveyed Property, enforceable against the Seller and creditors of and purchasers from the Seller; and this Agreement and the Seller’s Basic Documents, when duly executed and delivered, shall constitute legal, valid and binding obligations of the Seller enforceable in accordance with their respective terms, except as enforceability may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors’ rights generally and by equitable limitations on the availability of specific remedies, regardless of whether such enforceability is considered in a proceeding in equity or at law.

(f) No Violation. The consummation of the transactions contemplated by this Agreement and the Basic Documents and the fulfillment of the terms of this Agreement and the Basic Documents shall not conflict with, result in any breach of any of the terms and provisions of or constitute (with or without notice, lapse of time or both) a default under the certificate of incorporation or by-laws of the Seller, or any indenture, agreement, mortgage, deed of trust or other instrument to which the Seller is a party or by which it is bound, or result in the creation or imposition of any Lien upon any of its properties pursuant to the terms of any such indenture,

agreement, mortgage, deed of trust or other instrument, other than this Agreement, or violate any law, order, rule or regulation applicable to the Seller of any court or of any federal or state regulatory body, administrative agency or other governmental instrumentality having jurisdiction over the Seller or any of its properties.

(g) No Proceedings. There are no proceedings or investigations pending or, to the Seller’s knowledge, threatened against the Seller, before any court, regulatory body, administrative agency or other tribunal or governmental instrumentality having jurisdiction over the Seller or its properties (i) asserting the invalidity of this Agreement or any of the Basic Documents, (ii) seeking to prevent the issuance of the Notes or the consummation of any of the transactions contemplated by this Agreement or any of the Basic Documents, (iii) seeking any determination or ruling that might materially and adversely affect the performance by the Seller of its obligations under, or the validity or enforceability of, this Agreement or any of the Basic Documents, or (iv) seeking to adversely affect the federal income tax or other federal, state or local tax attributes of the Notes.

(h) Solvency. The Seller is not insolvent, nor will the Seller be made insolvent by the transfer of the Receivables, nor does the Seller anticipate any pending insolvency.

(i) No Consents. The Seller is not required to obtain the consent of any other party or any consent, license, approval or authorization, or registration or declaration with, any governmental authority, bureau or agency in connection with the execution, delivery, performance, validity or enforceability of this Agreement which has not already been obtained.

(j) True Sale. The Receivables are being transferred with the intention of removing them from the Seller’s estate pursuant to Section 541 of the Bankruptcy Code, as the same may be amended from time to time.

(k) Ordinary Course of Business. The transactions contemplated by this Agreement and the other Basic Documents to which the Seller is a party are in the ordinary course of the Seller’s business.

(l) Chief Executive Office and Principal Place of Business. The chief executive office and principal place of business of the Seller is at 000 Xxxxxxxxxx Xxxxxx Xxxxx, Xxxxx 000, Xxx Xxxxx, Xxxxxx 00000.

(m) Investment Company Act. Neither the Seller nor the Issuer is an “investment company” or a company “controlled by an investment company” within the meaning of the Investment Company Act.

SECTION 7.2. Corporate Existence.

(a) During the term of this Agreement, the Seller will keep in full force and effect its existence, rights and franchises as a corporation under the laws of the jurisdiction of its incorporation and will obtain and preserve its qualification to do business in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Basic Documents and each other instrument or agreement necessary or appropriate to the proper administration of this Agreement and the transactions contemplated hereby.

(b) During the term of this Agreement, the Seller shall observe the applicable legal requirements for the recognition of the Seller as a legal entity separate and apart from its Affiliates, including as follows:

(i) the Seller shall maintain corporate records and books of account separate from those of its Affiliates;

(ii) except as otherwise provided in this Agreement, the Seller shall not commingle its assets and funds with those of its Affiliates;

(iii) the Seller shall hold such appropriate meetings of its board of directors, or adopt resolutions pursuant to a unanimous written consent of the board of directors, as are necessary to authorize all the Seller’s corporate actions required by law to be authorized by the board of directors, shall keep minutes of such meetings and of meetings of its stockholder(s) and observe all other customary corporate formalities (and any successor Seller not a corporation shall observe similar procedures in accordance with its governing documents and applicable law);

(iv) the Seller shall at all times hold itself out to the public under the Seller’s own name as a legal entity separate and distinct from its Affiliates;

(v) all transactions and dealings between the Seller and its Affiliates will be conducted on an arm’s-length basis; and

(vi) the Seller shall pay from its assets all obligations and indebtedness of any kind incurred by the Seller.

SECTION 7.3. Liability of Seller; Indemnities. The Seller shall be liable in accordance herewith only to the extent of the obligations specifically undertaken by the Seller under this Agreement.

(a) The Seller shall indemnify, defend and hold harmless the Owner Trustee, the Issuer, the Trustee and the Trust Collateral Agent and their respective officers, directors, employees and agents from and against any taxes that may at any time be asserted against any such Person with respect to the transactions or activities contemplated in this Agreement and any of the Basic Documents (except any income taxes arising out of fees paid to the Owner Trustee, the Trust Collateral Agent and the Trustee and except any taxes to which the Owner Trustee, the Trust Collateral Agent or the Trustee may otherwise be subject to, without regard to the transactions contemplated hereby), including any sales, gross receipts, general corporation, tangible or intangible personal property, privilege or license taxes (but, in the case of the Issuer, not including any taxes asserted with respect to, federal or other income taxes arising out of distributions on the Notes) and costs and expenses in defending against the same.

(b) The Seller shall indemnify, defend and hold harmless the Issuer, the Owner Trustee, the Trustee and the Trust Collateral Agent and the officers, directors, employees and agents thereof and the Noteholders from and against any loss, liability or expense incurred by reason of (i) the Seller’s willful misfeasance, bad faith or negligence in the performance of its duties under this Agreement, or by reason of reckless disregard of its obligations and duties under this Agreement

and (ii) the Seller’s or the Issuer’s violation of federal or state securities laws in connection with the offering and sale of the Notes.

(c) The Seller shall indemnify, defend and hold harmless the Issuer, the Owner Trustee, Trustee and the Trust Collateral Agent and the officers, directors, employees and agents thereof from and against any and all costs, expenses, losses, claims, damages and liabilities arising out of, or incurred in connection with the acceptance or performance of the trusts and duties set forth herein and in the Basic Documents except to the extent that such cost, expense, loss, claim, damage or liability shall be due to the willful misconduct, bad faith or negligence (except for errors in judgment) of the Owner Trustee, Trustee or the Trust Collateral Agent, respectively.

Indemnification under this Section shall survive the resignation or removal of the Owner Trustee, the Trustee or the Trust Collateral Agent and the termination of this Agreement or the Indenture or the Trust Agreement, as applicable, and shall include reasonable fees and expenses of counsel and other expenses of litigation (including fees and expenses incurred in connection with any action or suit brought to enforce any indemnification or other obligation under the Basic Documents). If the Seller shall have made any indemnity payments pursuant to this Section and the Person to or on behalf of whom such payments are made thereafter shall collect any of such amounts from others, such Person shall promptly repay such amounts to the Seller, without interest.

SECTION 7.4. Merger or Consolidation of, or Assumption of the Obligations of, Seller. Any Person (a) into which the Seller may be merged or consolidated, (b) which may result from any merger or consolidation to which the Seller shall be a party or (c) which may succeed to the properties and assets of the Seller substantially as a whole, which Person in any of the foregoing cases executes an agreement of assumption to perform every obligation of the Seller under this Agreement, shall be the successor to the Seller hereunder without the execution or filing of any document or any further act by any of the parties to this Agreement; provided, however, that (i) immediately after giving effect to such transaction, no representation or warranty made pursuant to Section 3.1(a) shall have been breached and no Servicer Termination Event, and no event which, after notice or lapse of time, or both, would become a Servicer Termination Event shall have happened and be continuing, (ii) the Seller shall have delivered to the Owner Trustee, the Trust Collateral Agent and the Trustee an Officer’s Certificate and an Opinion of Counsel each stating that such consolidation, merger or succession and such agreement of assumption comply with this Section and that all conditions precedent, if any, provided for in this Agreement relating to such transaction have been complied with, (iii) the Rating Agency Condition shall have been satisfied with respect to such transaction and (iv) the Seller shall have delivered to the Owner Trustee, the Trust Collateral Agent and the Trustee an Opinion of Counsel stating that, in the opinion of such counsel, either (A) all financing statements and continuation statements and amendments thereto have been executed and filed that are necessary fully to preserve and protect the interest of the Trust Collateral Agent, the Issuer and the Trustee, respectively, in the Receivables and reciting the details of such filings or (B) no such action shall be necessary to preserve and protect such interest. Notwithstanding anything herein to the contrary, the execution of the foregoing agreement of assumption and compliance with clauses (i), (ii), (iii) and (iv) above shall be conditions to the consummation of the transactions referred to in clauses (a), (b) or (c) above.

SECTION 7.5. Limitation on Liability of Servicer, Seller and Others. The Servicer, the Seller and any of its respective directors or officers or employees or agents of the Servicer or the Seller may rely in good faith on the advice of counsel or on any document of any kind, prima facie properly executed and submitted by any Person respecting any matters arising under any Basic Document. Neither the Servicer nor the Seller shall be under any obligation to appear in, prosecute or defend any legal action that shall not be incidental to its obligations under this Agreement, and that in its opinion may involve it in any expense or liability.

SECTION 7.6. Ownership of the Certificates or Notes. The Seller and any Affiliate thereof may in its individual or any other capacity become the owner or pledgee of Certificates or Notes with the same rights as it would have if it were not the Seller or an Affiliate thereof, except as expressly provided herein or in any Basic Document. Notes or Certificates so owned by the Seller or such Affiliate shall have an equal and proportionate benefit under the provisions of the Basic Documents, without preference, priority, or distinction as among all of the Notes or Certificates; provided, however, that any Notes or Certificates owned by the Seller or any Affiliate thereof, during the time such Notes or Certificates are owned by them, shall be without voting rights for any purpose set forth in the Basic Documents. The Seller shall notify the Owner Trustee, the Trustee and the Trust Collateral Agent with respect to any other transfer of any Certificate.

ARTICLE VIII

The Servicer

SECTION 8.1. Representations of Servicer. The Servicer makes the following representations on which the Issuer is deemed to have relied in acquiring the Receivables. The representations speak as of the execution and delivery of this Agreement and as of the Closing Date, and shall survive the sale of the Receivables to the Issuer and the pledge thereof to the Trust Collateral Agent pursuant to the Indenture.

(a) Representations and Warranties. The representations and warranties set forth in Schedule B-1 and Schedule B-2 are true and correct, provided that such representations and warranties contained therein and herein shall not apply to any entity other than GM Financial;

(b) Organization and Good Standing. The Servicer has been duly organized and is validly existing and in good standing under the laws of its jurisdiction of organization, with power, authority and legal right to own its properties and to conduct its business as such properties are currently owned and such business is currently conducted, and had at all relevant times, and now has, power, authority and legal right to enter into and perform its obligations under this Agreement;

(c) Due Qualification. The Servicer is duly qualified to do business as a foreign corporation, is in good standing and has obtained all necessary licenses and approvals, in all jurisdictions in which the ownership or lease of property or the conduct of its business (including the servicing of the Receivables as required by this Agreement) requires or shall require such qualification;

(d) Power and Authority. The Servicer has the power and authority to execute and deliver this Agreement and the Basic Documents to which it is a party and to carry out its terms

and their terms, respectively, and the execution, delivery and performance of this Agreement and the Servicer’s Basic Documents have been duly authorized by the Servicer by all necessary corporate action;

(e) Binding Obligation. This Agreement and the Basic Documents to which the Servicer is a party shall constitute legal, valid and binding obligations of the Servicer enforceable in accordance with their respective terms, except as enforceability may be limited by bankruptcy, insolvency, reorganization, or other similar laws affecting the enforcement of creditors’ rights generally and by equitable limitations on the availability of specific remedies, regardless of whether such enforceability is considered in a proceeding in equity or at law;

(f) No Violation. The consummation of the transactions contemplated by this Agreement and the Basic Documents to which the Servicer is a party, and the fulfillment of the terms of this Agreement and the Servicer’s Basic Documents, shall not conflict with, result in any breach of any of the terms and provisions of, or constitute (with or without notice or lapse of time) a default under, the articles of incorporation or bylaws of the Servicer, or any indenture, agreement, mortgage, deed of trust or other instrument to which the Servicer is a party or by which it is bound, or result in the creation or imposition of any Lien upon any of its properties pursuant to the terms of any such indenture, agreement, mortgage, deed of trust or other instrument, other than this Agreement, or violate any law, order, rule or regulation applicable to the Servicer of any court or of any federal or state regulatory body, administrative agency or other governmental instrumentality having jurisdiction over the Servicer or any of its properties;

(g) No Proceedings. There are no proceedings or investigations pending or, to the Servicer’s knowledge, threatened against the Servicer, before any court, regulatory body, administrative agency or other tribunal or governmental instrumentality having jurisdiction over the Servicer or its properties (A) asserting the invalidity of this Agreement or any of the Basic Documents, (B) seeking to prevent the issuance of the Notes or the consummation of any of the transactions contemplated by this Agreement or any of the Basic Documents, (C) seeking any determination or ruling that might materially and adversely affect the performance by the Servicer of its obligations under, or the validity or enforceability of, this Agreement or any of the Basic Documents or (D) seeking to adversely affect the federal income tax or other federal, state or local tax attributes of the Notes;

(h) No Consents. The Servicer is not required to obtain the consent of any other party or any consent, license, approval or authorization, or registration or declaration with, any governmental authority, bureau or agency in connection with the execution, delivery, performance, validity or enforceability of this Agreement which has not already been obtained.

(i) Chief Executive Office and Principal Place of Business. The chief executive office and principal place of business of the Servicer is located at 000 Xxxxxx Xxxxxx, Xxxxx 0000, Xxxx Xxxxx, Xxxxx 00000.

SECTION 8.2. Liability of Servicer; Indemnities.

(a) The Servicer (in its capacity as such) shall be liable hereunder only to the extent of the obligations in this Agreement specifically undertaken by the Servicer and the representations made by the Servicer.

(b) The Servicer shall defend, indemnify and hold harmless the Trust, the Trustee, the Trust Collateral Agent, the Owner Trustee, their respective officers, directors, agents and employees, and the Noteholders from and against any and all costs, expenses, losses, damages, claims and liabilities, including reasonable fees and expenses of counsel and expenses of litigation arising out of or resulting from the use, ownership or operation by the Servicer or any Affiliate thereof of any Financed Vehicle.

(c) The Servicer (when the Servicer is GM Financial) shall indemnify, defend and hold harmless the Trust, the Trustee, the Trust Collateral Agent, the Owner Trustee, their respective officers, directors, agents and employees and the Noteholders from and against any taxes that may at any time be asserted against any of such parties with respect to the transactions or activities contemplated in this Agreement, including, without limitation, any sales, gross receipts, general corporation, tangible or intangible personal property, privilege or license taxes (but not including any federal or other income taxes, including franchise taxes asserted with respect to, and as of the date of, the sale of the Receivables and the Other Conveyed Property to the Trust or the issuance and original sale of the Notes) and costs and expenses in defending against the same.

(d) The Servicer (when the Servicer is not GM Financial) shall indemnify, defend and hold harmless the Trust, the Trustee, the Trust Collateral Agent, the Owner Trustee, the Collateral Agent, their respective officers, directors, agents and employees and the Noteholders from and against any taxes with respect to the sale of Receivables in connection with servicing hereunder that may at any time be asserted against any of such parties with respect to the transactions or activities contemplated in this Agreement, including, without limitation, any sales, gross receipts, general corporation, tangible or intangible personal property, privilege or license taxes (but not including any federal or other income taxes, including franchise taxes asserted with respect to, and as of the date of, the sale of the Receivables and the Other Conveyed Property to the Trust or the issuance and original sale of the Notes) and costs and expenses in defending against the same.

(e) The Servicer shall indemnify, defend and hold harmless the Trust, the Trustee, the Trust Collateral Agent, the Owner Trustee, their respective officers, directors, agents and employees and the Noteholders from and against any and all costs, expenses, losses, claims, damages, and liabilities, including reasonable fees and expenses of counsel and expenses of litigation, to the extent that such cost, expense, loss, claim, damage, or liability arose out of, or was imposed upon the Trust, the Trustee, the Owner Trustee, the Trust Collateral Agent or the Noteholders by reason of the breach of this Agreement by the Servicer, the negligence, misfeasance, or bad faith of the Servicer in the performance of its duties under this Agreement or by reason of reckless disregard of its obligations and duties under this Agreement.

(f) GM Financial shall indemnify, defend and hold harmless the Trust, the Trustee, the Trust Collateral Agent, the Owner Trustee, their respective officers, directors, agents and employees and the Noteholders from and against any loss, liability or expense incurred by reason

of the violation by Servicer or Seller of federal or state securities laws in connection with the registration or the sale of the Notes. This section shall survive the termination of this Agreement, or the earlier removal or resignation of the Trustee or the Trust Collateral Agent.

(g) GM Financial shall indemnify the Trustee, the Owner Trustee, the Trust Collateral Agent and the respective officers, directors, agents and employees thereof against any and all loss, liability or expense, (including attorneys’ fees and expenses) incurred by each of them in connection with the acceptance or administration of the Trust and the performance of their duties under the Basic Documents other than if such loss, liability or expense was incurred by the Trustee, the Owner Trustee or the Trust Collateral Agent as a result of any such entity’s willful misconduct, bad faith or negligence (except for errors in judgment).

(h) Indemnification under this Article shall include, without limitation, reasonable fees and expenses of counsel and expenses of litigation (including fees and expenses incurred in connection with any action or suit brought to enforce any indemnification or other obligation under the Basic Documents). If the Servicer has made any indemnity payments pursuant to this Article and the recipient thereafter collects any of such amounts from others, the recipient shall promptly repay such amounts collected to the Servicer, without interest.

(i) When the Trustee or the Trust Collateral Agent incurs expenses after the occurrence of a Servicer Termination Event specified in Section 9.1(c) with respect to the Servicer, the expenses are intended to constitute expenses of administration under Title 11 of the United States Code or any other applicable federal or state bankruptcy, insolvency or similar law.

SECTION 8.3. Merger or Consolidation of, or Assumption of the Obligations of the Servicer.

GM Financial shall not merge or consolidate with any other Person, convey, transfer or lease substantially all its assets as an entirety to another Person, or permit any other Person to become the successor to GM Financial’s business unless, after the merger, consolidation, conveyance, transfer, lease or succession, the successor or surviving entity shall be capable of fulfilling the duties of GM Financial contained in this Agreement and shall be acceptable to the Majority Noteholders, and shall be an eligible servicer. Any corporation (a) into which GM Financial may be merged or consolidated, (b) resulting from any merger or consolidation to which GM Financial shall be a party, (c) which acquires by conveyance, transfer, or lease substantially all of the assets of GM Financial, or (d) succeeding to the business of GM Financial, in any of the foregoing cases shall execute an agreement of assumption to perform every obligation of GM Financial under this Agreement and, whether or not such assumption agreement is executed, shall be the successor to GM Financial under this Agreement without the execution or filing of any paper or any further act on the part of any of the parties to this Agreement, anything in this Agreement to the contrary notwithstanding; provided, however, that nothing contained herein shall be deemed to release GM Financial from any obligation. GM Financial shall provide notice of any merger, consolidation or succession pursuant to this Section to the Owner Trustee, the Trust Collateral Agent, the Noteholders and each Rating Agency. Notwithstanding the foregoing, GM Financial shall not merge or consolidate with any other Person or permit any other Person to become a successor to GM Financial’s business, unless (x) immediately after giving effect to such transaction, no representation or warranty made pursuant to Section 4.6 shall have been breached

(for purposes hereof, such representations and warranties shall speak as of the date of the consummation of such transaction), (y) GM Financial shall have delivered to the Owner Trustee, the Trust Collateral Agent, the Trustee and the Rating Agencies an Officer’s Certificate and an Opinion of Counsel each stating that such consolidation, merger or succession and such agreement of assumption comply with this Section and that all conditions precedent, if any, provided for in this Agreement relating to such transaction have been complied with, and (z) GM Financial shall have delivered to the Owner Trustee, the Trust Collateral Agent, the Trustee and the Rating Agencies an Opinion of Counsel, stating in the opinion of such counsel, either (A) all financing statements and continuation statements and amendments thereto have been executed and filed that are necessary to preserve and protect the interest of the Trust in the Receivables and the Other Conveyed Property and reciting the details of the filings or (B) no such action shall be necessary to preserve and protect such interest.

SECTION 8.4. Limitation on Liability of Servicer and Others.

Neither GM Financial nor any of the directors or officers or employees or agents of GM Financial shall be under any liability to the Trust or the Noteholders, except as provided in this Agreement, for any action taken or for refraining from the taking of any action pursuant to this Agreement; provided, however, that this provision shall not protect GM Financial or any such person against any liability that would otherwise be imposed by reason of a breach of this Agreement or willful misfeasance, bad faith or negligence (excluding errors in judgment) in the performance of duties; provided, further, that this provision shall not affect any liability to indemnify the Trust Collateral Agent, the Trustee and the Owner Trustee for costs, taxes, expenses, claims, liabilities, losses or damages paid by the Trust Collateral Agent, the Trustee and the Owner Trustee, in their individual capacities. GM Financial and any director, officer, employee or agent of GM Financial may rely in good faith on the written advice of counsel or on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising under this Agreement.

SECTION 8.5. Delegation of Duties. The Servicer may delegate duties under this Agreement and the other Basic Documents to which is it a party to an Affiliate of the Servicer without first obtaining the consent of any Person. The Servicer also may at any time perform specific duties through sub-contractors in accordance with the Servicing Policies and Procedures. No delegation or sub-contracting by the Servicer of its duties herein in the manner described in this Section 8.5 shall relieve the Servicer of its responsibility with respect to such duties.

SECTION 8.6. Servicer Not to Resign. Subject to the provisions of Section 8.3, the Servicer shall not resign from the obligations and duties imposed on it by this Agreement as Servicer except upon a determination that by reason of a change in legal requirements the performance of its duties under this Agreement would cause it to be in violation of such legal requirements in a manner which would have a material adverse effect on the Servicer if the Majority Noteholders do not elect to waive the obligations of the Servicer to perform the duties which render it legally unable to act or to delegate those duties to another Person. Any such determination permitting the resignation of the Servicer shall be evidenced by an Opinion of Counsel to such effect delivered and acceptable to the Trust Collateral Agent and the Owner Trustee. No resignation of the Servicer shall become effective until an entity acceptable to the Majority Noteholders shall have assumed the responsibilities and obligations of the Servicer.

ARTICLE IX

Default

SECTION 9.1. Servicer Termination Event. For purposes of this Agreement, each of the following shall constitute a “Servicer Termination Event”:

(a) Any failure by the Servicer to deliver to the Trust Collateral Agent for distribution to Noteholders any proceeds or payment required to be so delivered under the terms of this Agreement that continues unremedied for a period of five Business Days after written notice is received by the Servicer from the Trust Collateral Agent (at the direction of the Majority Noteholders) or after actual knowledge of such failure by a Responsible Officer of the Servicer;

(b) Failure on the part of the Servicer duly to observe or perform any other covenants or agreements of the Servicer set forth in this Agreement, which failure (i) materially and adversely affects the rights of Noteholders, and (ii) continues unremedied for a period of 60 days after actual knowledge thereof by a Responsible Officer of the Servicer or after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer by the Trust Collateral Agent (at the direction of the Majority Noteholders); or

provided, however, that if (i) any delay or failure of performance referred to in Section 9.1(a) above shall have been caused by force majeure or other similar occurrences, the five Business Day grace period shall be extended for an additional 60 calendar days and (ii) if any delay or failure of performance referred to in Section 9.1(b) above shall have been caused by force majeure or other similar occurrences, the 60 day grace period shall be extended for an additional 90 calendar days.

SECTION 9.2. Consequences of a Servicer Termination Event. If a Servicer Termination Event shall occur and be continuing, the Trust Collateral Agent may, or at the direction of the Majority Noteholders shall, by notice given in writing to the Servicer (and to the Trust Collateral Agent if given by the Noteholders) terminate all of the rights and obligations of the Servicer under this Agreement. On or after the receipt by the Servicer of such written notice or upon termination of the term of the Servicer, all authority, power, obligations and responsibilities of the Servicer under this Agreement, whether with respect to the Notes, the Certificate or the Other Conveyed Property or otherwise, shall pass to, be vested in and become obligations and responsibilities of the successor Servicer appointed by the Majority Noteholders; provided, however, that the successor Servicer shall have no liability with respect to any obligation which was required to be performed by the terminated Servicer prior to the date that the successor Servicer becomes the Servicer or any claim of a third party based on any alleged action or inaction of the terminated Servicer. The successor Servicer is authorized and empowered by this Agreement to execute and deliver, on behalf of the terminated Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement of the Receivables and the Other Conveyed Property and related documents to show the Trust as lienholder or secured party on the related Lien Certificates, or otherwise. The terminated Servicer agrees to cooperate with the successor Servicer in effecting

the termination of the responsibilities and rights of the terminated Servicer under this Agreement, including, without limitation, the transfer to the successor Servicer for administration by it of all cash amounts that shall at the time be held by the terminated Servicer for deposit, or have been deposited by the terminated Servicer, in the Collection Account or thereafter received with respect to the Receivables and the delivery to the successor Servicer of all Receivable Files, Monthly Records and Collection Records and a computer tape in readable form as of the most recent Business Day containing all information necessary to enable the successor Servicer to service the Receivables and the Other Conveyed Property. The terminated Servicer shall grant the Trust Collateral Agent, the successor Servicer and the Majority Noteholders reasonable access to the terminated Servicer’s premises at the terminated Servicer’s expense.

SECTION 9.3. Appointment of Successor.

(a) On and after the time the Servicer receives a notice of termination pursuant to Section 9.2 or upon the resignation of the Servicer pursuant to Section 8.6, the Controlling Party may, or at the written direction of the Majority Noteholders shall, appoint an eligible servicer as successor Servicer or may petition a court of competent jurisdiction to appoint a Person that it determines is competent to perform the duties of the Servicer hereunder as successor Servicer. Pending appointment pursuant to the preceding sentence, the outgoing Servicer shall continue to act as Servicer until a successor has been appointed and accepted such appointment. Any successor Servicer shall be the successor in all respects to the Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for in this Agreement, and shall be subject to all the rights, responsibilities, restrictions, duties, liabilities and termination provisions relating thereto placed on the Servicer by the terms and provisions of this Agreement except as otherwise stated herein. The Trust Collateral Agent and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. If a successor Servicer is acting as Servicer hereunder, it shall be subject to termination under Section 9.2 upon the occurrence of any Servicer Termination Event applicable to it as Servicer. If no Person has accepted its appointment as successor Servicer when the predecessor Servicer ceases to act as Servicer in accordance with Section 9.2 or Section 8.6, the Trust Collateral Agent or other eligible successor servicer appointed by the Trust Collateral Agent and who has accepted such appointment, will, without further action, be automatically appointed the successor Servicer. Notwithstanding the above, if the Trust Collateral Agent is unwilling or legally unable to act as successor Servicer, it may appoint, or petition a court of competent jurisdiction to appoint, an institution whose business includes the servicing of motor vehicle receivables, as successor Servicer. All reasonable costs and expenses incurred in connection with transferring the servicing of the Receivables to the successor Servicer and amending this agreement to reflect such succession as Servicer pursuant to this Section shall be paid by the predecessor Servicer upon presentation of reasonable documentation of such costs and expenses. The Trust Collateral Agent will be released from its duties and obligations as successor Servicer on the date that a new servicer agrees to appointment as successor Servicer hereunder.

(b) Any successor Servicer shall be entitled to such compensation (whether payable out of the Collection Account or otherwise) as the Servicer would have been entitled to under this Agreement if the Servicer had not resigned or been terminated hereunder or such additional compensation as the Majority Noteholders and such successor Servicer may agree on.

SECTION 9.4. Notification to Noteholders. Upon any termination of, or appointment of a successor to, the Servicer, the Trust Collateral Agent shall give prompt written notice thereof to each Noteholder and to the Seller (who shall promptly deliver such notice to the Rating Agencies).

SECTION 9.5. Waiver of Past Defaults. The Majority Noteholders may, on behalf of all Noteholders, waive any default by the Servicer in the performance of its obligations hereunder and its consequences. Upon any such waiver of a past default, such default shall cease to exist, and any Servicer Termination Event arising therefrom shall be deemed to have been remedied for every purpose of this Agreement and the Basic Documents. No such waiver shall extend to any subsequent or other default or impair any right consequent thereto.

ARTICLE X

Termination

SECTION 10.1. Optional Purchase of All Receivables.

(a) Subject to Section 10.1(a) of the Indenture, on the last day of any Collection Period as of which the Pool Balance shall be less than or equal to 10% of the Original Pool Balance, the Servicer and the Seller each shall have the option to purchase the Owner Trust Estate, other than the Trust Accounts; provided, however, that the amount to be paid for such purchase (as set forth in the following sentence) shall be sufficient to pay the full amount of principal, and interest then due and payable on the Notes. To exercise such option, the Servicer or the Seller, as the case may be, shall deposit pursuant to Section 5.6 in the Collection Account an amount equal to the greater of (i) the amount necessary to pay the full amount of principal and interest then due and payable on the Notes and (ii) the aggregate Purchase Amount for the Receivables (including Liquidated Receivables), plus the appraised value of any other property held by the Trust, (such value to be determined by the Servicer, or if the Trust Collateral Agent has received written notice that there is a material error in the Servicer’s calculation, by an appraiser mutually agreed upon by the Servicer and the Trust Collateral Agent), and shall succeed to all interests in and to the Trust.

(b) Upon any sale of the assets of the Trust pursuant to Section 8.1 of the Trust Agreement, the Servicer shall instruct the Trust Collateral Agent to deposit the proceeds from such sale after all payments and reserves therefrom (including the expenses of such sale) have been made (the “Insolvency Proceeds”) in the Collection Account.

(c) Notice of any termination of the Trust shall be given by the Servicer to the Owner Trustee, the Trustee, the Trust Collateral Agent and the Rating Agencies as soon as practicable after the Servicer has received notice thereof.

(d) Following the satisfaction and discharge of the Indenture and the payment in full of the principal of and interest on the Notes, the Certificateholder will succeed to the rights of the Noteholders hereunder and the Certificateholder will succeed to the rights of, and assume the obligations of, the Trust Collateral Agent pursuant to this Agreement.

ARTICLE XI

Administrative Duties of the Servicer

SECTION 11.1. Administrative Duties.

(a) Duties with Respect to the Indenture. The Servicer shall perform all its duties and the duties of the Issuer under the Indenture. In addition, the Servicer shall consult with the Owner Trustee as the Servicer deems appropriate regarding the duties of the Issuer under the Indenture. The Servicer shall monitor the performance of the Issuer and shall advise the Owner Trustee when action is necessary to comply with the Issuer’s duties under the Indenture. The Servicer shall prepare for execution by the Issuer or shall cause the preparation by other appropriate Persons of all such documents, reports, filings, instruments, certificates and opinions as it shall be the duty of the Issuer to prepare, file or deliver pursuant to the Indenture. In furtherance of the foregoing, the Servicer shall take all necessary action that is the duty of the Issuer to take pursuant to the Indenture, including, without limitation, pursuant to Sections 2.7, 3.5, 3.6, 3.7, 3.9, 3.10, 3.17, 5.1, 5.4, 6.9, 8.2, 9.2, 9.3, 11.1 and 11.15 of the Indenture.

(b) Duties with Respect to the Issuer.

(i) In addition to the duties of the Servicer set forth in this Agreement or any of the Basic Documents, the Servicer shall perform such calculations and shall prepare, file or deliver on behalf of the Issuer or the Owner Trustee or shall cause the preparation, filing or delivery by other appropriate Persons of all such documents, reports, filings, instruments, certificates and opinions as it shall be the duty of the Issuer or the Owner Trustee to prepare, file or deliver pursuant to this Agreement or any of the Basic Documents or under state and federal tax and securities laws (including any filings required pursuant to the Xxxxxxxx-Xxxxx Act of 2002 or any rule or regulation promulgated thereunder), and at the request of the Owner Trustee shall take all appropriate action that it is the duty of the Issuer to take pursuant to this Agreement or any of the Basic Documents, including, without limitation, pursuant to Sections 2.6 and 2.11 of the Trust Agreement. In accordance with the directions of the Issuer or the Owner Trustee, the Servicer shall administer, perform or supervise the performance of such other activities in connection with the Collateral (including the Basic Documents) as are not covered by any of the foregoing provisions and as are expressly requested by the Issuer or the Owner Trustee and are reasonably within the capability of the Servicer. The Servicer shall monitor the activities of the Issuer to ensure the Issuer’s compliance with Section 4.6 of the Trust Agreement and shall take all action necessary to ensure that the Issuer is operated in accordance with the provisions of such section.

(ii) Notwithstanding anything in this Agreement or any of the Basic Documents to the contrary, the Servicer shall be responsible for promptly notifying the Owner Trustee and the Trust Collateral Agent in the event that any withholding tax is imposed on the Issuer’s payments (or allocations of income) to a Holder (as defined in the Trust Agreement) as contemplated by this Agreement. Any such notice shall be in writing and specify the amount of any withholding tax required to be withheld by the Owner Trustee or the Trust Collateral Agent pursuant to such provision.

(iii) Notwithstanding anything in this Agreement or the Basic Documents to the contrary, the Servicer shall be responsible for performance of the duties of the Issuer in accordance with Section 10.11 of the Trust Agreement with respect to, among other things, tax reporting and returns, accounting and reports to Holders (as defined in the Trust Agreement); provided, however, that once prepared by the Servicer, the Owner Trustee shall retain responsibility for the distribution of any necessary Schedule K-1s, as applicable, to enable the Certificateholder to prepare its federal and state income tax returns.

(iv) The Servicer shall perform the duties of the Servicer specified in Section 9.2 of the Trust Agreement required to be performed in connection with the resignation or removal of the Owner Trustee, the duties of the Servicer specified in Section 10.11 of the Trust Agreement, and any other duties expressly required to be performed by the Servicer under this Agreement or any of the Basic Documents.

(v) In carrying out the foregoing duties or any of its other obligations under this Agreement, the Servicer may enter into transactions with or otherwise deal with any of its Affiliates; provided, however, that the terms of any such transactions or dealings shall be in accordance with any directions received from the Issuer and shall be, in the Servicer’s opinion, no less favorable to the Issuer in any material respect.

(c) Tax Matters. The Servicer shall prepare and file, on behalf of the Seller, all tax returns, tax elections, financial statements and such annual or other reports attributable to the activities engaged in by the Issuer as are necessary for preparation of tax reports, including without limitation Form 1099. All tax returns will be signed by the Seller or the Servicer.

(d) Non-Ministerial Matters. With respect to matters that in the reasonable judgment of the Servicer are non-ministerial, the Servicer shall not take any action pursuant to this Article unless within a reasonable time before the taking of such action, the Servicer shall have notified the Owner Trustee and the Trustee of the proposed action and the Owner Trustee (acting at the direction of the Certificateholder) and, with respect to items (i), (ii), (iii) and (iv) below, the Trustee shall not have withheld consent. For the purpose of the preceding sentence, “non-ministerial matters” shall include:

(i) the amendment of or any supplement to the Indenture;

(ii) the initiation of any claim or lawsuit by the Issuer and the compromise of any action, claim or lawsuit brought by or against the Issuer (other than in connection with the collection of the Receivables);

(iii) the amendment, change or modification of this Agreement or any of the Basic Documents;

(iv) the appointment of successor Note Registrars, successor Paying Agents and successor Trustees pursuant to the Indenture or the appointment of successor Servicers or the consent to the assignment by the Note Registrar, Paying Agent or Trustee of its obligations under the Indenture; and

(v) the removal of the Trustee or the Trust Collateral Agent.

(e) Exceptions. Notwithstanding anything to the contrary in this Agreement, except as expressly provided herein or in the other Basic Documents, the Servicer, in its capacity hereunder, shall not be obligated to, and shall not, (i) make any payments to the Noteholders or the Certificateholder under the Basic Documents, (ii) sell the Trust Property pursuant to Section 5.5 of the Indenture, (iii) take any other action that the Issuer directs the Servicer not to take on its behalf or (iv) in connection with its duties hereunder assume any indemnification obligation of any other Person.

(f) No successor Servicer shall be responsible for any obligations or duties of the Servicer under this Section 11.1. Notwithstanding the foregoing or any other provision of this Agreement, GM Financial shall continue to perform the obligations of the Servicer under this Section 11.1.

SECTION 11.2. Records. The Servicer shall maintain appropriate books of account and records relating to services performed under this Agreement, which books of account and records shall be accessible for inspection by the Issuer at any time during normal business hours.

SECTION 11.3. Additional Information to be Furnished to the Issuer. The Servicer shall furnish to the Issuer from time to time such additional information regarding the Collateral as the Issuer shall reasonably request.

SECTION 11.4. Review Reports. Upon the request of any Noteholder to the Servicer for a copy of any Review Report (as defined in the Asset Representations Review Agreement), the Servicer shall promptly provide a copy of such Review Report to such Noteholder; provided, that if the requesting Noteholder is not a Noteholder of record, such Noteholder must provide the Servicer with a written certification stating that it is a beneficial owner of a Note, together with supporting documentation supporting that statement (which may include, but is not limited to, a trade confirmation, an account statement or a letter from a broker or dealer verifying ownership) before the Servicer delivers such Review Report to such Noteholder; provided, further, that if such Review Report contains personally identifiable information regarding Obligors, then the Servicer may condition its delivery of that portion of the Review Report to the requesting Noteholder on such Noteholder’s delivery to the Servicer of an agreement acknowledging that such Noteholder may use such information only for the limited purpose of assessing the nature of the related breaches of representations and warranties and may not use that information for any other purpose.

ARTICLE XII

Miscellaneous Provisions

SECTION 12.1. Amendment.

(a) This Agreement may be amended from time to time by the parties hereto, with the consent of the Trustee (which consent may not be unreasonably withheld), but without the consent of any of the Noteholders, to cure any ambiguity or to correct or supplement any provisions in this Agreement or for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Noteholders;

provided, however, that such amendments require: (i) satisfaction of the Rating Agency Condition or (ii) an Officer’s Certificate of the Servicer delivered to the Issuer, the Owner Trustee, the Trust Collateral Agent and the Trustee stating that the amendment will not materially and adversely affect the interest of any Noteholder.

(b) This Agreement may also be amended from time to time by the parties hereto, with the consent of the Trustee, and with the consent of the Majority Noteholders for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Noteholders; provided, however, that no such amendment shall (i) increase or reduce in any manner the amount of, or accelerate or delay the timing of, collections of payments on Receivables or distributions that shall be required to be made for the benefit of the Noteholders or (ii) reduce the aforesaid percentage of the outstanding principal amount of the Notes, the Holders of which are required to consent to any such amendment, without the consent of the Holders of all the outstanding Notes of each class affected thereby.

Promptly after the execution of any such amendment or consent, the Trust Collateral Agent shall furnish written notification of the substance of such amendment or consent to each Noteholder and the Seller (who shall deliver such notification to the Rating Agencies).

It shall not be necessary for the consent of the Noteholders pursuant to this Section to approve the particular form of any proposed amendment or consent, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents (and any other consents of Noteholders provided for in this Agreement) and of evidencing the authorization of any action by Noteholders shall be subject to such reasonable requirements as the Trustee or the Issuer, as applicable, may prescribe.

(c) Prior to the execution of any amendment to this Agreement, the Owner Trustee, the Trustee and the Trust Collateral Agent shall be entitled to receive and conclusively rely upon an Opinion of Counsel stating that the execution of such amendment is authorized or permitted by this Agreement and, with respect to any amendment to this Agreement pursuant to Section 12.1(b), the Opinion of Counsel referred to in Section 12.2(h)(i) has been delivered. The Owner Trustee, the Trust Collateral Agent and the Trustee may, but shall not be obligated to, enter into any such amendment which affects the Issuer’s, the Owner Trustee’s, the Trust Collateral Agent’s or the Trustee’s, as applicable, own rights, duties or immunities under this Agreement or otherwise.

SECTION 12.2. Protection of Title to Trust.

(a) The Seller shall execute and file such financing statements and cause to be executed and filed such continuation statements, all in such manner and in such places as may be required by law fully to preserve, maintain and protect the interest of the Issuer and the interests of the Trust Collateral Agent in the Receivables and in the proceeds thereof. The Seller shall deliver (or cause to be delivered) to the Owner Trustee and the Trust Collateral Agent file-stamped copies of, or filing receipts for, any document filed as provided above, as soon as available following such filing.

(b) Neither the Seller nor the Servicer shall change its name, identity or corporate structure in any manner that would, could or might make any financing statement or continuation statement filed in accordance with paragraph (a) above seriously misleading within the meaning of

9-506 of the UCC, unless it shall have given the Owner Trustee, the Trust Collateral Agent and the Trustee at least five days’ prior written notice thereof and shall have promptly filed appropriate amendments to all previously filed financing statements or continuation statements. Promptly upon such filing, the Seller or the Servicer, as the case may be, shall deliver an Opinion of Counsel in form and substance reasonably satisfactory to the Trust Collateral Agent, stating either (i) all financing statements and continuation statements have been executed and filed that are necessary fully to preserve and protect the interest of the Trust and the Trust Collateral Agent in the Receivables, and reciting the details of such filings or referring to prior Opinions of Counsel in which such details are given, or (ii) no such action shall be necessary to preserve and protect such interest.

(c) Each of the Seller and the Servicer shall have an obligation to give the Owner Trustee, the Trust Collateral Agent and the Trustee at least 60 days’ prior written notice of any relocation of its principal executive office or jurisdiction of organization if, as a result of such relocation, the applicable provisions of the UCC would require the filing of any amendment of any previously filed financing or continuation statement or of any new financing statement and shall promptly file any such amendment or new financing statement. The Servicer shall at all times maintain (i) each office from which it shall service Receivables within the United States of America or Canada, and (ii) its principal executive office within the United States of America.

(d) The Servicer shall maintain accounts and records as to each Receivable accurately and in sufficient detail to permit (i) the reader thereof to know at any time the status of such Receivable, including payments and recoveries made and payments owing (and the nature of each) and (ii) reconciliation between payments or recoveries on (or with respect to) each Receivable and the amounts from time to time deposited in the Collection Account in respect of such Receivable.

(e) The Servicer shall maintain its computer systems so that, from and after the time of sale under this Agreement of the Receivables to the Issuer, the Servicer’s master computer records (including any backup archives) that refer to a Receivable shall indicate clearly the interest of the Trust in such Receivable and that such Receivable is owned by the Trust. Indication of the Trust’s interest in a Receivable shall be deleted from or modified on the Servicer’s computer systems when, and only when, the related Receivable shall have been paid in full or repurchased or sold pursuant to this Agreement.

(f) If at any time the Seller or the Servicer shall propose to sell, grant a security interest in or otherwise transfer any interest in automotive receivables to any prospective purchaser, lender or other transferee, the Servicer shall give to such prospective purchaser, lender or other transferee computer tapes, records or printouts (including any restored from backup archives) that, if they shall refer in any manner whatsoever to any Receivable, shall indicate clearly that such Receivable has been sold and is owned by the Trust.

(g) Upon request, the Servicer shall furnish to the Owner Trustee or to the Trustee, within five Business Days, a list of all Receivables (by contract number and name of Obligor) then held as part of the Trust, together with a reconciliation of such list to the Schedule of Receivables and to each of the Servicer’s Certificates furnished before such request indicating removal of Receivables from the Trust.

(h) The Servicer shall deliver to the Owner Trustee and the Trustee:

(i) promptly after the execution and delivery of the Agreement and, if required pursuant to Section 12.1, of each amendment, an Opinion of Counsel stating that, in the opinion of such Counsel, either (A) all financing statements and continuation statements have been executed and filed that are necessary fully to preserve and protect the interest of the Trust and the Trust Collateral Agent in the Receivables, and reciting the details of such filings or referring to prior Opinions of Counsel in which such details are given, or (B) no such action shall be necessary to preserve and protect such interest; and

(ii) within 120 days after the beginning of each calendar year, beginning with the first calendar year beginning more than six months after the Closing Date, an Opinion of Counsel, dated as of a date during such 120-day period, stating that, in the opinion of such counsel, either (A) all financing statements and continuation statements have been executed and filed that are necessary fully to preserve and protect the interest of the Trust and the Trust Collateral Agent in the Receivables, and reciting the details of such filings or referring to prior Opinions of Counsel in which such details are given, or (B) no such action shall be necessary to preserve and protect such interest.

Each Opinion of Counsel referred to in clause (i) or (ii) above shall specify any action necessary (as of the date of such opinion) to be taken in the following year to preserve and protect such interest.

SECTION 12.3. Notices.

(a) All demands, notices and communications upon or to the Seller, the Servicer, the Owner Trustee, the Trustee or the Rating Agencies (upon whom any demands, notices or communications shall be provided only by the Seller or the Servicer) under this Agreement shall be in writing, personally delivered, electronically delivered, mailed by certified mail, return receipt requested, federal express or similar overnight courier service, and shall be deemed to have been duly given upon receipt (i) in the case of the Seller, to AFS SenSub Corp., 000 Xxxxxxxxxx Xxxxxx Xxxxx, Xxxxx 000, Xxx Xxxxx, Xxxxxx 00000, Attention: Chief Financial Officer, with a copy to AFS SenSub Corp., c/o GM Financial, 000 Xxxxxx Xxxxxx, Xxxxx 0000, Xxxx Xxxxx, Xxxxx 00000, Attention: Chief Financial Officer, (ii) in the case of the Servicer, to GM Financial, 000 Xxxxxx Xxxxxx, Xxxxx 0000, Xxxx Xxxxx, Xxxxx 00000, Attention: Chief Financial Officer, (iii) in the case of the Issuer or the Owner Trustee, at the Corporate Trust Office of the Owner Trustee, (iv) in the case of the Trustee or the Trust Collateral Agent, at the applicable Corporate Trust Office of the Trustee and the Trust Collateral, (v) in the case of Moody’s, to Xxxxx’x Investors Service, Inc., 7 World Trade Center at 000 Xxxxxxxxx Xxxxxx, Xxxxx Finance Group, 00xx xxxxx, Xxx Xxxx, Xxx Xxxx 00000, (vi) in the case of Standard & Poor’s, via electronic delivery to xxxxxxxx_xxxxxxx@xxxxxxxx.xxx; for any information not available in electronic format, hard copies should be sent to S&P Global Ratings, 00 Xxxxx Xxxxxx, 00xx Xxxxx, Xxx Xxxx, Xxx Xxxx 00000, Attention: ABS Surveillance Group and (vii) in the case of the Asset Representations Reviewer, to XXXXxxxxxx@xxxxxxx.xxx and to Xxxxxxx Fixed Income Services LLC, 0000 Xxxxx Xxxxxxxxxx Xxxx, Xxxxxxxxx, Xxxxxxx 00000, Attn: SVP, with a copy to Xxxxxxx Fixed Income Services LLC, c/x Xxxxxxx Holdings LLC, 0000 Xxxxxx Xxxxxx, Xxxx Xxxxx Xxxxx 0000, Xxxxxxxxxxxx, Xxxxxxxxxxxx 00000, Attn: General Counsel. Any notice required or permitted to be mailed to a

Noteholder shall be given by first class mail, postage prepaid, at the address of such Holder as shown in the Note Register. Any notice so mailed within the time prescribed in the Agreement shall be conclusively presumed to have been duly given, whether or not the Noteholder shall receive such notice. Where this Agreement provides for notice or delivery of documents to the Rating Agencies, failure to give such notice or deliver such documents shall not affect any other rights or obligations created hereunder.

(b) If GM Financial is no longer the Servicer, any successor Servicer shall provide any required Rating Agency notices to the Seller, who shall promptly provide such notice to the Rating Agencies.

SECTION 12.4. Assignment. This Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective successors and permitted assigns. Notwithstanding anything to the contrary contained herein, except as provided in Sections 7.4 and 8.3 and as provided in the provisions of this Agreement concerning the resignation of the Servicer, this Agreement may not be assigned by the Seller or the Servicer without the prior written consent of the Owner Trustee, the Trust Collateral Agent, the Trustee and the Majority Noteholders.

SECTION 12.5. Limitations on Rights of Others. The provisions of this Agreement are solely for the benefit of the parties hereto, the Trustee, the Owner Trustee and the Noteholders, as third-party beneficiaries. Nothing in this Agreement, whether express or implied, shall be construed to give to any other Person any legal or equitable right, remedy or claim in the Owner Trust Estate or under or in respect of this Agreement or any covenants, conditions or provisions contained herein.

SECTION 12.6. Severability. Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction.

SECTION 12.7. Separate Counterparts. This Agreement may be executed by the parties hereto in separate counterparts, each of which when so executed and delivered shall be an original regardless of whether delivered in physical or electronic form, but all such counterparts shall together constitute but one and the same instrument.

SECTION 12.8. Headings. The headings of the various Articles and Sections herein are for convenience of reference only and shall not define or limit any of the terms or provisions hereof.

SECTION 12.9. Governing Law. THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH, AND THIS AGREEMENT AND ALL MATTERS ARISING OUT OF OR RELATING IN ANY WAY TO THIS AGREEMENT SHALL BE GOVERNED BY, THE LAW OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO ITS CONFLICT OF LAW PROVISIONS (OTHER THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW).

SECTION 12.10. Assignment to Trust Collateral Agent. The Seller hereby acknowledges and consents to any mortgage, pledge, assignment and grant of a security interest by the Issuer to the Trust Collateral Agent pursuant to the Indenture for the benefit of the Noteholders of all right, title and interest of the Issuer in, to and under the Receivables listed in Schedule A hereto and/or the assignment of any or all of the Issuer’s rights and obligations hereunder to the Trust Collateral Agent.

SECTION 12.11. Nonpetition Covenants.

(a) Notwithstanding any prior termination of this Agreement, the Servicer, the Seller and the Trust Collateral Agent shall not, prior to the date which is one year and one day after the termination of this Agreement with respect to the Issuer, acquiesce, petition or otherwise invoke or cause the Issuer to invoke the process of any court or government authority for the purpose of commencing or sustaining a case against the Issuer under any federal or state bankruptcy, insolvency or similar law or appointing a receiver, liquidator, assignee, trustee, custodian, sequestrator or other similar official of the Issuer or any substantial part of its property, or ordering the winding up or liquidation of the affairs of the Issuer.

(b) Notwithstanding any prior termination of this Agreement, neither the Servicer nor the Trust Collateral Agent shall, prior to the date that is one year and one day after the termination of this Agreement with respect to the Seller, acquiesce to, petition or otherwise invoke or cause the Seller to invoke the process of any court or government authority for the purpose of commencing or sustaining a case against the Seller under any federal or state bankruptcy, insolvency or similar law, appointing a receiver, liquidator, assignee, trustee, custodian, sequestrator, or other similar official of the Seller or any substantial part of its property, or ordering the winding up or liquidation of the affairs of the Seller.

SECTION 12.12. Limitation of Liability of Owner Trustee and Trust Collateral Agent

(a) It is expressly understood and agreed by the parties hereto that (i) this Agreement is executed and delivered by Wilmington Trust Company, not individually or personally but solely as trustee of the Issuer, in the exercise of the powers and authority conferred and vested in it, (ii) each of the representations, undertakings and agreements herein made on the part of the Issuer is made and intended not as personal representations, undertakings and agreements by Wilmington Trust Company but is made and intended for the purpose of binding only the Issuer, (iii) nothing herein contained shall be construed as creating any liability on Wilmington Trust Company, individually or personally, to perform any covenant either expressed or implied contained herein, all such liability, if any, being expressly waived by the parties hereto and by any Person claiming by, through or under the parties hereto, (iv) Wilmington Trust Company has made no investigation as to the accuracy or completeness of any representations or warranties made by the Issuer in this Agreement and (v) under no circumstances shall Wilmington Trust Company be personally liable for the payment of any indebtedness or expenses of the Issuer or be liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by the Issuer under this Agreement or any other related documents.

(b) Notwithstanding anything contained herein to the contrary, this Agreement has been executed and delivered by The Bank of New York Mellon, not in its individual capacity but solely

as Trust Collateral Agent and in no event shall The Bank of New York Mellon have any liability for the representations, warranties, covenants, agreements or other obligations of the Issuer hereunder or in any of the certificates, notices or agreements delivered pursuant hereto, as to all of which recourse shall be had solely to the assets of the Issuer.

(c) Neither the Owner Trustee nor the Trust Collateral Agent shall have any duty, responsibility or obligation to (or liability for failing to) monitor, supervise, confirm, verify, notify regarding or otherwise enforce the requirements or commitments applicable to any Person arising under, related to or otherwise in connection with any provision of this Agreement or any law, rule or regulation in connection with risk retention.

(d) In no event shall The Bank of New York Mellon, in any of its capacities hereunder, be deemed to have assumed any duties of the Owner Trustee under the Delaware Statutory Trust Statute, common law, or the Trust Agreement or of the Servicer hereunder (unless it is acting as successor Servicer hereunder or is recording, registering, filing, re-recording, re-filing, or re-registering any financing statement, continuation statement or other instrument required by the Trust Collateral Agent pursuant to Section 3.5 of the Indenture or is taking any action to perfect or re-perfect the security interests in the financed vehicles pursuant to Section 4.5(b)).

(e) The Trustee and the Trust Collateral Agent have the same rights, protections and immunities hereunder as they have under the Indenture as if such rights, protections and immunities were expressly set forth herein mutatis mutandis.

SECTION 12.13. Trust Collateral Agent to Report Repurchase Demands due to Breaches of Representations and Warranties. The Trust Collateral Agent will (a) notify the Servicer, GM Financial and the Seller, as soon as practicable and in any event within five Business Days and in the manner set forth for providing notices hereunder, of all demands or requests communicated (in writing or orally) to the Trustee or the Trust Collateral Agent for the repurchase of any Receivable pursuant to Section 5.1 of the Purchase Agreement or Section 3.2, (b) promptly upon request by the Servicer, GM Financial or the Seller, provide to them any other information reasonably requested to facilitate compliance by them with Rule 15Ga-1 under the Exchange Act and Items 1104(e) and 1121(c) of Regulation AB, and (c) if requested by the Servicer, GM Financial or the Seller, provide a written certification no later than fifteen days following any calendar quarter or calendar year that The Bank of New York Mellon has not received any repurchase demands for such period, or if repurchase demands have been received during such period, that the Trust Collateral Agent has provided all the information reasonably requested under clause (b) above with respect to such demands. In no event will the Trust Collateral Agent or the Issuer have any responsibility or liability in connection with any filing required to be made by a securitizer under the Exchange Act or Regulation AB.

SECTION 12.14. Independence of the Servicer. For all purposes of this Agreement, the Servicer shall be an independent contractor and shall not be subject to the supervision of the Issuer, the Trust Collateral Agent, the Trustee or the Owner Trustee with respect to the manner in which it accomplishes the performance of its obligations hereunder. Unless expressly authorized by this Agreement or any other Basic Document, the Servicer shall have no authority to act for or represent the Issuer or the Owner Trustee in any way and shall not otherwise be deemed an agent of the Issuer or the Owner Trustee.

SECTION 12.15. No Joint Venture. Nothing contained in this Agreement (a) shall constitute the Servicer and any of the Issuer, the Trustee, the Trust Collateral Agent or the Owner Trustee as members of any partnership, joint venture, association, syndicate, unincorporated business or other separate entity, (b) shall be construed to impose any liability as such on any of them or (c) shall be deemed to confer on any of them any express, implied or apparent authority to incur any obligation or liability on behalf of the others.

SECTION 12.16. State Business Licenses. The Servicer or the Certificateholder shall prepare and instruct the Trust to file each state business license (and any renewal thereof) required to be filed under applicable state law without further consent or instruction from the Instructing Party (as defined in the Trust Agreement), including a Sales Finance Company Application (and any renewal thereof) with the Pennsylvania Department of Banking, Licensing Division, and a Financial Regulation Application (and any renewal thereof) with the Maryland Department of Labor, Licensing and Regulation.

SECTION 12.17. Regulation RR Risk Retention. GM Financial, as Sponsor, and the Depositor agree that (a) GM Financial will cause the Depositor to, and the Depositor will, retain the “eligible horizontal residual interest” (the “Retained Interest”) (as defined in the Credit Risk Retention Rules) on the Closing Date and (b) GM Financial will not permit the Depositor to, and the Depositor will not, sell, transfer, finance or hedge the Retained Interest except as permitted by the Credit Risk Retention Rules.

SECTION 12.18. Submission to Jurisdiction; Waiver of Jury Trial. Each of the parties hereto hereby irrevocably and unconditionally:

(a) submits for itself and its property in any legal action relating to this Agreement, the Basic Documents or any other documents executed and delivered in connection herewith, or for recognition and enforcement of any judgment in respect thereof, to the nonexclusive general jurisdiction of the courts of the State of New York, the courts of the United States of America for the Southern District of New York and appellate courts from any thereof;

(b) consents that any such action may be brought in such courts and waives any objection that it may now or hereafter have to the venue of such action in any such court or that such action was brought in an inconvenient court and agrees not to plead or claim the same; and

(c) waives, to the fullest extent permitted by law, any and all right to trial by jury in any legal proceeding arising out of or relating to this Agreement, the Basic Documents or the transactions contemplated hereby.

[Remainder of Page Intentionally Left Blank]

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed and delivered by their respective duly authorized officers as of the day and the year first above written.


		GM FINANCIAL CONSUMER AUTOMOBILE RECEIVABLES TRUST 2020-1

		By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee on behalf of the Trust

		By:		/s/ Xxxxxxx Xxxxxx
		Name:		Xxxxxxx Xxxxxx
		Title:		Assistant Vice President

		AFS SENSUB CORP.,
		Seller

		By:		/s/ Xxxxxxx Xxxx
		Name:		Xxxxxxx Xxxx
		Title:		Vice President, Corporate Treasury

		AMERICREDIT FINANCIAL SERVICES, INC. d/b/a GM Financial, as Servicer

		By:		/s/ Xxxxxx X. Xxxxxx III
		Name:		Xxxxxx X. Xxxxxx III
		Title:		Senior Vice President, Corporate Treasury

		THE BANK OF NEW YORK MELLON, not in its individual capacity but solely as Trust Collateral Agent

		By:		/s/ Xxxx Xxxxxx
		Name:		Xxxx Xxxxxx
		Title:		Vice President

[Signature Page to Sale and Servicing Agreement]

SCHEDULE A

SCHEDULE OF RECEIVABLES

[Attached]

SCH-A-1


Loan Number	Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number
463656975		111012743505		111016904159		111017131152		111017217540		111018123479		111019205897		111019455333		111020425286		111020916337		111021034092		111021241003		111022017465		111022214071		111022384732		111022272503		111022398838		111023377746		111023420093		111023505031
463805580		111012743673		111016904272		111017131208		111017217809		111018123480		111019206089		111019455355		111020425444		111020916359		111021034104		111021241687		111022017500		111022214105		111022384877		111022272525		111022398849		111023377757		111023420116		111023505042
111001733782		111012689188		111016904294		111017131231		111017217832		111018123648		111019206090		111019455377		111020425477		111020916360		111021034115		111021241700		111022017555		111022214127		111022384899		111022272536		111022398872		111023377803		111023420172		111023505086
111003433174		111012689199		111016904328		111017131242		111017217865		111018123693		111019206113		111019345465		111020425488		111020916371		111021034171		111021241744		111022018242		111022214150		111022277317		111022272570		111022398928		111023377814		111023420183		111023505097
111003665418		111012689201		111016904340		111017179008		111017217898		111018123839		111019223707		111019345476		111020425512		111020916461		111021034193		111021241755		111022018264		111022214183		111022277339		111022272615		111022398939		111023377836		111023540186		111023505109
111003665485		111012689245		111016904362		111017179031		111017217911		111018123840		111019223820		111019345511		111020425556		111020916528		111021034216		111021241823		111022018286		111022214228		111022277340		111022272648		111022398940		111023377847		111023540209		111023505121
111003665496		111012663865		111016904418		111017185426		111017218025		111018123956		111019226202		111019301554		111020425617		111020916530		111021034243		111021242053		111022018594		111022214248		111022234368		111022272669		111022398978		111023377876		111023556240		111023505147
111003665520		111012651445		111016904454		111017196363		111017218086		111018124039		111019230273		111019273306		111020425662		111020916566		111021034270		111021242178		111022018796		111022214278		111022206735		111022272698		111022399002		111023377897		111023583691		111023505166
111003665531		111012639024		111016904489		111017207301		111017218148		111018124123		111019234344		111019245059		111020425706		111020916603		111021034297		111021242302		111022018999		111022214308		111022179102		111022272728		111022399026		111023377919		111023611143		111023505185
111003665654		111012626604		111016904525		111017218238		111017218209		111018124207		111019238415		111019216811		111020425751		111020916639		111021034324		111021242426		111022019201		111022214338		111022151469		111022272757		111022399050		111023377940		111023638594		111023505204
111003665700		111012614184		111016904561		111017229175		111017218271		111018124290		111019242487		111019188564		111020425796		111020916675		111021034351		111021242550		111022019403		111022214367		111022123836		111022272787		111022399073		111023377962		111023666046		111023505223
111003665733		111012601764		111016904597		111017240113		111017218333		111018124374		111019246558		111019160317		111020425841		111020916712		111021034378		111021242675		111022019606		111022214397		111022096203		111022272816		111022399097		111023377983		111023693497		111023505242
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111003661379		111011906236		111016906602		111017852602		111017221781		111018129057		111019474545		111017578462		111020428345		111020918747		111021035886		111021249631		111022030940		111022216064		111020548754		111022274462		111022400435		111023379188		111025230779		111023506301
111003661504		111011893816		111016906637		111017863539		111017221842		111018129141		111019478616		111017550215		111020428389		111020918783		111021035913		111021249756		111022031143		111022216094		111020521121		111022274492		111022400459		111023379210		111025258230		111023506320
111003661571		111011881396		111016906673		111017874477		111017221904		111018129224		111019482687		111017521967		111020428434		111020918819		111021035940		111021249880		111022031345		111022216124		111020493488		111022274521		111022400483		111023379231		111025285682		111023506339
111003661627		111011868976		111016906709		111017885414		111017221965		111018129308		111019486759		111017493720		111020428479		111020918856		111021035967		111021250004		111022031547		111022216154		111020465855		111022274551		111022400507		111023379253		111025313133		111023506358
111003661672		111011856555		111016906745		111017896351		111017222027		111018129392		111019490830		111017465473		111020428523		111020918892		111021035994		111021250128		111022031750		111022216183		111020438222		111022274580		111022400531		111023379274		111025340585		111023506377
111003661683		111011844135		111016906781		111017907289		111017222088		111018129475		111019494901		111017437225		111020428568		111020918928		111021036021		111021250253		111022031952		111022216213		111020410589		111022274609		111022400554		111023379296		111025368036		111023506396
111003661728		111011831715		111016906816		111017918226		111017222150		111018129559		111019498972		111017408978		111020428613		111020918965		111021036048		111021250377		111022032155		111022216243		111020382955		111022274639		111022400578		111023379317		111025395488		111023506414
111003661739		111011819295		111016906852		111017929163		111017222212		111018129643		111019503043		111017380730		111020428658		111020919001		111021036075		111021250501		111022032357		111022216273		111020355322		111022274668		111022400602		111023379339		111025422939		111023506433
111003661740		111011806875		111016906888		111017940101		111017222273		111018129726		111019507115		111017352483		111020428702		111020919038		111021036102		111021250625		111022032559		111022216302		111020327689		111022274698		111022400626		111023379360		111025450390		111023506452
111003661773		111011794455		111016906924		111017951038		111017222335		111018129810		111019511186		111017324236		111020428747		111020919074		111021036129		111021250749		111022032762		111022216332		111020300056		111022274727		111022400650		111023379382		111025477842		111023506471

SCH-A-2


Loan Number	Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number
111003661829		111011782035		111016906960		111017961975		111017222396		111018129893		111019515257		111017295988		111020428792		111020919110		111021036156		111021250874		111022032964		111022216362		111020272423		111022274756		111022400674		111023379403		111025505293		111023506490
111003661896		111011769614		111016906995		111017972913		111017222458		111018129977		111019519328		111017267741		111020428836		111020919147		111021036183		111021250998		111022033167		111022216392		111020244790		111022274786		111022400698		111023379425		111025532745		111023506509
111003661908		111011757194		111016907031		111017983850		111017222519		111018130061		111019523399		111017239493		111020428881		111020919183		111021036210		111021251122		111022033369		111022216422		111020217157		111022274815		111022400722		111023379446		111025560196		111023506528
111003662088		111011744774		111016907067		111017994787		111017222581		111018130144		111019527471		111017211246		111020428926		111020919219		111021036237		111021251246		111022033571		111022216451		111020189524		111022274845		111022400745		111023379468		111025587648		111023506547
111003662178		111011732354		111016907103		111018005725		111017222643		111018130228		111019531542		111017182999		111020428971		111020919256		111021036264		111021251371		111022033774		111022216481		111020161891		111022274874		111022400769		111023379489		111025615099		111023506566
111003662190		111011719934		111016907139		111018016662		111017222704		111018130312		111019535613		111017154751		111020429015		111020919292		111021036290		111021251495		111022033976		111022216511		111020134258		111022274903		111022400793		111023379511		111025642551		111023506585
111003662235		111011707514		111016907174		111018027599		111017222766		111018130395		111019539684		111017126504		111020429060		111020919328		111021036317		111021251619		111022034179		111022216541		111020106625		111022274933		111022400817		111023379532		111025670002		111023506604
111003662280		111011695094		111016907210		111018038536		111017222827		111018130479		111019543755		111017098256		111020429105		111020919365		111021036344		111021251743		111022034381		111022216570		111020078992		111022274962		111022400841		111023379554		111025697454		111023506623
111003662336		111011682673		111016907246		111018049474		111017222889		111018130563		111019547827		111017070009		111020429149		111020919401		111021036371		111021251868		111022034583		111022216600		111020051359		111022274992		111022400865		111023379575		111025724905		111023506641
111003662392		111011670253		111016907282		111018060411		111017222950		111018130646		111019551898		111017041762		111020429194		111020919437		111021036398		111021251992		111022034786		111022216630		111020023726		111022275021		111022400889		111023379597		111025752357		111023506660
111003662482		111011657833		111016907318		111018071348		111017223012		111018130730		111019555969		111017013514		111020429239		111020919474		111021036425		111021252116		111022034988		111022216660		111019996093		111022275050		111022400913		111023379618		111025779808		111023506679
111003663573		111011645413		111016907353		111018082286		111017223074		111018130813		111019560040		111016985267		111020429284		111020919510		111021036452		111021252240		111022035191		111022216689		111019968460		111022275080		111022400937		111023379640		111025807259		111023506698
111003663843		111011632993		111016907389		111018093223		111017223135		111018130897		111019564111		111016957019		111020429328		111020919546		111021036479		111021252364		111022035393		111022216719		111019940827		111022275109		111022400960		111023379661		111025834711		111023506717
111003663944		111011620573		111016907425		111018104160		111017223197		111018130981		111019568183		111016928772		111020429373		111020919583		111021036506		111021252489		111022035595		111022216749		111019913194		111022275139		111022400984		111023379683		111025862162		111023506736
111003663966		111011608153		111016907461		111018115098		111017223258		111018131064		111019572254		111016900525		111020429418		111020919619		111021036533		111021252613		111022035798		111022216779		111019885561		111022275168		111022401008		111023379705		111025889614		111023506755
111003664057		111011595732		111016907497		111018126035		111017223320		111018131148		111019576325		111016872277		111020429462		111020919655		111021036560		111021252737		111022036000		111022216809		111019857928		111022275197		111022401032		111023379726		111025917065		111023506774
111003664079		111011583312		111016907532		111018136972		111017223381		111018131232		111019580396		111016844030		111020429507		111020919692		111021036587		111021252861		111022036203		111022216838		111019830295		111022275227		111022401056		111023379748		111025944517		111023506793
111003664169		111011570892		111016907568		111018147910		111017223443		111018131315		111019584467		111016815782		111020429552		111020919728		111021036614		111021252986		111022036405		111022216868		111019802662		111022275256		111022401080		111023379769		111025971968		111023506812
111003664170		111011558472		111016907604		111018158847		111017223505		111018131399		111019588539		111016787535		111020429597		111020919764		111021036641		111021253110		111022036607		111022216898		111019775029		111022275286		111022401104		111023379791		111025999420		111023506831
111003664361		111011546052		111016907640		111018169784		111017223566		111018131482		111019592610		111016759288		111020429641		111020919801		111021036668		111021253234		111022036810		111022216928		111019747396		111022275315		111022401128		111023379812		111026026871		111023506849
111003664372		111011533632		111016907676		111018180722		111017223628		111018131566		111019596681		111016731040		111020429686		111020919837		111021036695		111021253358		111022037012		111022216957		111019719763		111022275344		111022401152		111023379834		111026054323		111023506868
111003664406		111011521212		111016907711		111018191659		111017223689		111018131650		111019600752		111016702793		111020429731		111020919873		111021036722		111021253482		111022037215		111022216987		111019692130		111022275374		111022401175		111023379855		111026081774		111023506887
111003664417		111011508791		111016907747		111018202596		111017223751		111018131733		111019604823		111016674545		111020429775		111020919910		111021036748		111021253607		111022037417		111022217017		111019664497		111022275403		111022401199		111023379877		111026109225		111023506906
111003664530		111011496371		111016907783		111018213533		111017223812		111018131817		111019608895		111016646298		111020429820		111020919946		111021036775		111021253731		111022037619		111022217047		111019636864		111022275433		111022401223		111023379898		111026136677		111023506925
111003664631		111011483951		111016907819		111018224471		111017223874		111018131901		111019612966		111016618051		111020429865		111020919982		111021036802		111021253855		111022037822		111022217076		111019609231		111022275462		111022401247		111023379920		111026164128		111023506944
111003664697		111011471531		111016907855		111018235408		111017223936		111018131984		111019617037		111016589803		111020429910		111020920019		111021036829		111021253979		111022038024		111022217106		111019581598		111022275491		111022401271		111023379941		111026191580		111023506963
111003664822		111011459111		111016907890		111018246345		111017223997		111018132068		111019621108		111016561556		111020429954		111020920055		111021036856		111021254104		111022038227		111022217136		111019553965		111022275521		111022401295		111023379963		111026219031		111023506982
111003664989		111011446691		111016907926		111018257283		111017224059		111018132151		111019625179		111016533308		111020429999		111020920091		111021036883		111021254228		111022038429		111022217166		111019526332		111022275550		111022401319		111023379984		111026246483		111023507001
111003664990		111011434271		111016907962		111018268220		111017224120		111018132235		111019629251		111016505061		111020430044		111020920128		111021036910		111021254352		111022038631		111022217196		111019498699		111022275580		111022401343		111023380006		111026273934		111023507020
111003665036		111011421850		111016907998		111018279157		111017224182		111018132319		111019633322		111016476814		111020430088		111020920164		111021036937		111021254476		111022038834		111022217225		111019471066		111022275609		111022401367		111023380027		111026301386		111023507039
111003665070		111011409430		111016908034		111018290095		111017224243		111018132402		111019637393		111016448566		111020430133		111020920200		111021036964		111021254601		111022039036		111022217255		111019443433		111022275638		111022401390		111023380049		111026328837		111023507058
111003665081		111011397010		111016908069		111018301032		111017224305		111018132486		111019641464		111016420319		111020430178		111020920237		111021036991		111021254725		111022039239		111022217285		111019415799		111022275668		111022401414		111023380070		111026356289		111023507076
111003665092		111011384590		111016908105		111018311969		111017224367		111018132570		111019645535		111016392071		111020430223		111020920273		111021037018		111021254849		111022039441		111022217315		111019388166		111022275697		111022401438		111023380092		111026383740		111023507095
111003665137		111011372170		111016908141		111018322907		111017224428		111018132653		111019649607		111016363824		111020430267		111020920310		111021037045		111021254973		111022039643		111022217344		111019360533		111022275727		111022401462		111023380113		111026411191		111023507114
111003665238		111011359750		111016908177		111018333844		111017224490		111018132737		111019653678		111016335577		111020430312		111020920346		111021037072		111021255097		111022039846		111022217374		111019332900		111022275756		111022401486		111023380135		111026438643		111023507133
111003665250		111011347330		111016908213		111018344781		111017224551		111018132820		111019657749		111016307329		111020430357		111020920382		111021037099		111021255222		111022040048		111022217404		111019305267		111022275785		111022401510		111023380156		111026466094		111023507152
111003665283		111011334909		111016908248		111018355719		111017224613		111018132904		111019661820		111016279082		111020430401		111020920419		111021037126		111021255346		111022040251		111022217434		111019277634		111022275815		111022401534		111023380178		111026493546		111023507171
111003891543		111011322489		111016908284		111018366656		111017224674		111018132988		111019665891		111016250834		111020430446		111020920455		111021037153		111021255470		111022040453		111022217464		111019250001		111022275844		111022401558		111023380199		111026520997		111023507190
111003938961		111011310069		111016908320		111018377593		111017224736		111018133071		111019669963		111016222587		111020430491		111020920491		111021037180		111021255594		111022040655		111022217493		111019222368		111022275874		111022401581		111023380221		111026548449		111023507209
111003848578		111011297649		111016908356		111018388531		111017224798		111018133155		111019674034		111016194340		111020430536		111020920528		111021037207		111021255719		111022040858		111022217523		111019194735		111022275903		111022401605		111023380242		111026575900		111023507228
111003849175		111011285229		111016908392		111018399468		111017224859		111018133239		111019678105		111016166092		111020430580		111020920564		111021037233		111021255843		111022041060		111022217553		111019167102		111022275932		111022401629		111023380264		111026603352		111023507247
111003904964		111011272809		111016908427		111018410405		111017224921		111018133322		111019682176		111016137845		111020430625		111020920600		111021037260		111021255967		111022041263		111022217583		111019139469		111022275962		111022401653		111023380285		111026630803		111023507266
111003850021		111011260389		111016908463		111018421342		111017224982		111018133406		111019686247		111016109597		111020430670		111020920637		111021037287		111021256091		111022041465		111022217612		111019111836		111022275991		111022401677		111023380307		111026658255		111023507285
111003870517		111011247968		111016908499		111018432280		111017225044		111018133490		111019690319		111016081350		111020430714		111020920673		111021037314		111021256216		111022041667		111022217642		111019084203		111022276021		111022401701		111023380328		111026685706		111023507303
111003766173		111011235548		111016908535		111018443217		111017225105		111018133573		111019694390		111016053103		111020430759		111020920709		111021037341		111021256340		111022041870		111022217672		111019056570		111022276050		111022401725		111023380350		111026713158		111023507322
111003841098		111011223128		111016908571		111018454154		111017225167		111018133657		111019698461		111016024855		111020430804		111020920746		111021037368		111021256464		111022042072		111022217702		111019028937		111022276079		111022401749		111023380371		111026740609		111023507341
111003844035		111011210708		111016908606		111018465092		111017225229		111018133740		111019702532		111015996608		111020430849		111020920782		111021037395		111021256588		111022042275		111022217731		111019001304		111022276109		111022401773		111023380393		111026768060		111023507360
111003953698		111011198288		111016908642		111018476029		111017225290		111018133824		111019706603		111015968360		111020430893		111020920818		111021037422		111021256712		111022042477		111022217761		111018973671		111022276138		111022401796		111023380414		111026795512		111023507379
111004473607		111011185868		111016908678		111018486966		111017225352		111018133908		111019710675		111015940113		111020430938		111020920855		111021037449		111021256837		111022042679		111022217791		111018946038		111022276168		111022401820		111023380436		111026822963		111023507398
111004359824		111011173448		111016908714		111018497904		111017225413		111018133991		111019714746		111015911866		111020430983		111020920891		111021037476		111021256961		111022042882		111022217821		111018918405		111022276197		111022401844		111023380458		111026850415		111023507417
111004417683		111011161027		111016908750		111018508841		111017225475		111018134075		111019718817		111015883618		111020431027		111020920927		111021037503		111021257085		111022043084		111022217851		111018890772		111022276226		111022401868		111023380479		111026877866		111023507436
111004457036		111011148607		111016908785		111018519778		111017225536		111018134159		111019722888		111015855371		111020431072		111020920964		111021037530		111021257209		111022043287		111022217880		111018863139		111022276256		111022401892		111023380501		111026905318		111023507455
111004421790		111011136187		111016908821		111018530716		111017225598		111018134242		111019726959		111015827123		111020431117		111020921000		111021037557		111021257334		111022043489		111022217910		111018835506		111022276285		111022401916		111023380522		111026932769		111023507474
111004941067		111011123767		111016908857		111018541653		111017225660		111018134326		111019731031		111015798876		111020431162		111020921036		111021037584		111021257458		111022043691		111022217940		111018807873		111022276315		111022401940		111023380544		111026960221		111023507493
111004891027		111011111347		111016908893		111018552590		111017225721		111018134409		111019735102		111015770629		111020431206		111020921073		111021037611		111021257582		111022043894		111022217970		111018780240		111022276344		111022401964		111023380565		111026987672		111023507511
111004891094		111011098927		111016908929		111018563528		111017225783		111018134493		111019739173		111015742381		111020431251		111020921109		111021037638		111021257706		111022044096		111022217999		111018752607		111022276373		111022401988		111023380587		111027015124		111023507530
111004891465		111011086507		111016908964		111018574465		111017225844		111018134577		111019743244		111015714134		111020431296		111020921145		111021037665		111021257830		111022044299		111022218029		111018724974		111022276403		111022402011		111023380608		111027042575		111023507549
111004891500		111011074086		111016909000		111018585402		111017225906		111018134660		111019747315		111015685886		111020431340		111020921182		111021037691		111021257955		111022044501		111022218059		111018697341		111022276432		111022402035		111023380630		111027070026		111023507568
111004892343		111011061666		111016909036		111018596339		111017225967		111018134744		111019751387		111015657639		111020431385		111020921218		111021037718		111021258079		111022044703		111022218089		111018669708		111022276462		111022402059		111023380651		111027097478		111023507587
111004828634		111011049246		111016909072		111018607277		111017226029		111018134828		111019755458		111015629392		111020431430		111020921254		111021037745		111021258203		111022044906		111022218118		111018642075		111022276491		111022402083		111023380673		111027124929		111023507606
111004893265		111011036826		111016909108		111018618214		111017226091		111018134911		111019759529		111015601144		111020431475		111020921291		111021037772		111021258327		111022045108		111022218148		111018614442		111022276520		111022402107		111023380694		111027152381		111023507625
111004893311		111011024406		111016909143		111018629151		111017226152		111018134995		111019763600		111015572897		111020431519		111020921327		111021037799		111021258452		111022045311		111022218178		111018586809		111022276550		111022402131		111023380716		111027179832		111023507644
111004893524		111011011986		111016909179		111018640089		111017226214		111018135078		111019767671		111015544649		111020431564		111020921363		111021037826		111021258576		111022045513		111022218208		111018559176		111022276579		111022402155		111023380737		111027207284		111023507663
111004893782		111010999566		111016909215		111018651026		111017226275		111018135162		111019771743		111015516402		111020431609		111020921400		111021037853		111021258700		111022045715		111022218238		111018531543		111022276609		111022402179		111023380759		111027234735		111023507682
111004894121		111010987145		111016909251		111018661963		111017226337		111018135246		111019775814		111015488155		111020431653		111020921436		111021037880		111021258824		111022045918		111022218267		111018503910		111022276638		111022402203		111023380780		111027262187		111023507701
111004894266		111010974725		111016909287		111018672901		111017226398		111018135329		111019779885		111015459907		111020431698		111020921472		111021037907		111021258949		111022046120		111022218297		111018476277		111022276667		111022402226		111023380802		111027289638		111023507720
111004894356		111010962305		111016909322		111018683838		111017226460		111018135413		111019783956		111015431660		111020431743		111020921509		111021037934		111021259073		111022046323		111022218327		111018448643		111022276697		111022402250		111023380823		111027317090		111023507738
111004894536		111010949885		111016909358		111018694775		111017226522		111018135497		111019788027		111015403412		111020431788		111020921545		111021037961		111021259197		111022046525		111022218357		111018421010		111022276726		111022402274		111023380845		111027344541		111023507757
111004894569		111010937465		111016909394		111018705713		111017226583		111018135580		111019792099		111015375165		111020431832		111020921582		111021037988		111021259321		111022046727		111022218386		111018393377		111022276756		111022402298		111023380866		111027371992		111023507776
111004894570		111010925045		111016909430		111018716650		111017226645		111018135664		111019796170		111015346918		111020431877		111020921618		111021038015		111021259445		111022046930		111022218416		111018365744		111022276785		111022402322		111023380888		111027399444		111023507795
111004894682		111010912625		111016909466		111018727587		111017226706		111018135747		111019800241		111015318670		111020431922		111020921654		111021038042		111021259570		111022047132		111022218446		111018338111		111022276814		111022402346		111023380909		111027426895		111023507814
111004894716		111010900204		111016909501		111018738525		111017226768		111018135831		111019804312		111015290423		111020431966		111020921691		111021038069		111021259694		111022047335		111022218476		111018310478		111022276844		111022402370		111023380931		111027454347		111023507833
111004894985		111010887784		111016909537		111018749462		111017226829		111018135915		111019808383		111015262175		111020432011		111020921727		111021038096		111021259818		111022047537		111022218506		111018282845		111022276873		111022402394		111023380952		111027481798		111023507852
111004895043		111010875364		111016909573		111018760399		111017226891		111018135998		111019812455		111015233928		111020432056		111020921763		111021038123		111021259942		111022047739		111022218535		111018255212		111022276903		111022402417		111023380974		111027509250		111023507871
111004895100		111010862944		111016909609		111018771337		111017226953		111018136082		111019816526		111015205681		111020432101		111020921800		111021038150		111021260067		111022047942		111022218565		111018227579		111022276932		111022402441		111023380995		111027536701		111023507890
111004895177		111010850524		111016909645		111018782274		111017227014		111018136166		111019820597		111015177433		111020432145		111020921836		111021038176		111021260191		111022048144		111022218595		111018199946		111022276961		111022402465		111023381017		111027564153		111023507909
111004800915		111010838104		111016909680		111018793211		111017227076		111018136249		111019824668		111015149186		111020432190		111020921872		111021038203		111021260315		111022048347		111022218625		111018172313		111022276991		111022402489		111023381038		111027591604		111023507928

SCH-A-3


Loan Number	Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number
111004801051		111010825684		111016909716		111018804148		111017227137		111018136333		111019828739		111015120938		111020432235		111020921909		111021038230		111021260439		111022048549		111022218654		111018144680		111022277020		111022402513		111023381060		111027619056		111023507947
111004801107		111010813263		111016909752		111018815086		111017227199		111018136417		111019832811		111015092691		111020432279		111020921945		111021038257		111021260564		111022048751		111022218684		111018117047		111022277050		111022402537		111023381081		111027646507		111023507965
111004801185		111010800843		111016909788		111018826023		111017227260		111018136500		111019836882		111015064444		111020432324		111020921981		111021038284		111021260688		111022048954		111022218714		111018089414		111022277079		111022402561		111023381103		111027673959		111023507984
111004801400		111010788423		111016909824		111018836960		111017227322		111018136584		111019840953		111015036196		111020432369		111020922018		111021038311		111021260812		111022049156		111022218744		111018061781		111022277108		111022402585		111023381124		111027701410		111023508003
111004895458		111010776003		111016909859		111018847898		111017227384		111018136667		111019845024		111015007949		111020432414		111020922054		111021038338		111021260936		111022049359		111022218773		111018034148		111022277138		111022402609		111023381146		111027728861		111023508022
111004895470		111010763583		111016909895		111018858835		111017227445		111018136751		111019849095		111014979701		111020432458		111020922090		111021038365		111021261060		111022049561		111022218803		111018006515		111022277167		111022402632		111023381167		111027756313		111023508041
111004895885		111010751163		111016909931		111018869772		111017227507		111018136835		111019853167		111014951454		111020432503		111020922127		111021038392		111021261185		111022049763		111022218833		111017978882		111022277197		111022402656		111023381189		111027783764		111023508060
111004895931		111010738743		111016909967		111018880710		111017227568		111018136918		111019857238		111014923207		111020432548		111020922163		111021038419		111021261309		111022049966		111022218863		111017951249		111022277226		111022402680		111023381211		111027811216		111023508079
111004896022		111010726322		111016910003		111018891647		111017227630		111018137002		111019861309		111014894959		111020432592		111020922199		111021038446		111021261433		111022050168		111022218893		111017923616		111022277255		111022402704		111023381232		111027838667		111023508098
111004896101		111010713902		111016910038		111018902584		111017227691		111018137086		111019865380		111014866712		111020432637		111020922236		111021038473		111021261557		111022050371		111022218922		111017895983		111022277285		111022402728		111023381254		111027866119		111023508117
111004896280		111010701482		111016910074		111018913522		111017227753		111018137169		111019869451		111014838464		111020432682		111020922272		111021038500		111021261682		111022050573		111022218952		111017868350		111022277314		111022402752		111023381275		111027893570		111023508136
111004896314		111010689062		111016910110		111018924459		111017227815		111018137253		111019873523		111014810217		111020432727		111020922308		111021038527		111021261806		111022050775		111022218982		111017840717		111022277344		111022402776		111023381297		111027921022		111023508155
111004896505		111010676642		111016910146		111018935396		111017227876		111018137336		111019877594		111014781970		111020432771		111020922345		111021038554		111021261930		111022050978		111022219012		111017813084		111022277373		111022402800		111023381318		111027948473		111023508173
111004896763		111010664222		111016910182		111018946334		111017227938		111018137420		111019881665		111014753722		111020432816		111020922381		111021038581		111021262054		111022051180		111022219041		111017785451		111022277402		111022402824		111023381340		111027975925		111023508192
111004896932		111010651802		111016910217		111018957271		111017227999		111018137504		111019885736		111014725475		111020432861		111020922417		111021038608		111021262178		111022051383		111022219071		111017757818		111022277432		111022402847		111023381361		111028003376		111023508211
111004896965		111010639381		111016910253		111018968208		111017228061		111018137587		111019889807		111014697227		111020432905		111020922454		111021038634		111021262303		111022051585		111022219101		111017730185		111022277461		111022402871		111023381383		111028030827		111023508230
111004897045		111010626961		111016910289		111018979145		111017228122		111018137671		111019893879		111014668980		111020432950		111020922490		111021038661		111021262427		111022051787		111022219131		111017702552		111022277491		111022402895		111023381404		111028058279		111023508249
111004897135		111010614541		111016910325		111018990083		111017228184		111018137755		111019897950		111014640733		111020432995		111020922526		111021038688		111021262551		111022051990		111022219160		111017674919		111022277520		111022402919		111023381426		111028085730		111023508268
111004801950		111010602121		111016910361		111019001020		111017228246		111018137838		111019902021		111014612485		111020433040		111020922563		111021038715		111021262675		111022052192		111022219190		111017647286		111022277549		111022402943		111023381447		111028113182		111023508287
111004802007		111010589701		111016910396		111019011957		111017228307		111018137922		111019906092		111014584238		111020433084		111020922599		111021038742		111021262800		111022052395		111022219220		111017619653		111022277579		111022402967		111023381469		111028140633		111023508306
111004802197		111010577281		111016910432		111019022895		111017228369		111018138005		111019910163		111014555990		111020433129		111020922635		111021038769		111021262924		111022052597		111022219250		111017592020		111022277608		111022402991		111023381490		111028168085		111023508325
111004802298		111010564861		111016910468		111019033832		111017228430		111018138089		111019914235		111014527743		111020433174		111020922672		111021038796		111021263048		111022052799		111022219280		111017564387		111022277638		111022403015		111023381512		111028195536		111023508344
111004802377		111010552440		111016910504		111019044769		111017228492		111018138173		111019918306		111014499496		111020433218		111020922708		111021038823		111021263172		111022053002		111022219309		111017536754		111022277667		111022403039		111023381533		111028222988		111023508363
111004802399		111010540020		111016910540		111019055707		111017228553		111018138256		111019922377		111014471248		111020433263		111020922744		111021038850		111021263297		111022053204		111022219339		111017509121		111022277696		111022403062		111023381555		111028250439		111023508382
111004802434		111010527600		111016910575		111019066644		111017228615		111018138340		111019926448		111014443001		111020433308		111020922781		111021038877		111021263421		111022053407		111022219369		111017481487		111022277726		111022403086		111023381576		111028277891		111023508400
111004802456		111010515180		111016910611		111019077581		111017228677		111018138424		111019930519		111014414753		111020433353		111020922817		111021038904		111021263545		111022053609		111022219399		111017453854		111022277755		111022403110		111023381598		111028305342		111023508419
111004802490		111010502760		111016910647		111019088519		111017228738		111018138507		111019934591		111014386506		111020433397		111020922854		111021038931		111021263669		111022053811		111022219428		111017426221		111022277785		111022403134		111023381619		111028332793		111023508438
111004802603		111010490340		111016910683		111019099456		111017228800		111018138591		111019938662		111014358259		111020433442		111020922890		111021038958		111021263793		111022054014		111022219458		111017398588		111022277814		111022403158		111023381641		111028360245		111023508457
111004802894		111010477920		111016910719		111019110393		111017228861		111018138674		111019942733		111014330011		111020433487		111020922926		111021038985		111021263918		111022054216		111022219488		111017370955		111022277843		111022403182		111023381662		111028387696		111023508476
111004802940		111010465499		111016910754		111019121331		111017228923		111018138758		111019946804		111014301764		111020433531		111020922963		111021039012		111021264042		111022054419		111022219518		111017343322		111022277873		111022403206		111023381684		111028415148		111023508495
111004803211		111010453079		111016910790		111019132268		111017228984		111018138842		111019950875		111014273516		111020433576		111020922999		111021039039		111021264166		111022054621		111022219548		111017315689		111022277902		111022403230		111023381705		111028442599		111023508514
111004803255		111010440659		111016910826		111019143205		111017229046		111018138925		111019954947		111014245269		111020433621		111020923035		111021039066		111021264290		111022054823		111022219577		111017288056		111022277932		111022403253		111023381727		111028470051		111023508533
111004803334		111010428239		111016910862		111019154143		111017229108		111018139009		111019959018		111014217022		111020433666		111020923072		111021039093		111021264415		111022055026		111022219607		111017260423		111022277961		111022403277		111023381748		111028497502		111023508552
111004803503		111010415819		111016910898		111019165080		111017229169		111018139093		111019963089		111014188774		111020433710		111020923108		111021039119		111021264539		111022055228		111022219637		111017232790		111022277990		111022403301		111023381770		111028524954		111023508571
111004803558		111010403399		111016910933		111019176017		111017229231		111018139176		111019967160		111014160527		111020433755		111020923144		111021039146		111021264663		111022055431		111022219667		111017205157		111022278020		111022403325		111023381791		111028552405		111023508590
111004803592		111010390979		111016910969		111019186954		111017229292		111018139260		111019971231		111014132279		111020433800		111020923181		111021039173		111021264787		111022055633		111022219696		111017177524		111022278049		111022403349		111023381813		111028579857		111023508609
111004803659		111010378558		111016911005		111019197892		111017229354		111018139344		111019975303		111014104032		111020433844		111020923217		111021039200		111021264912		111022055835		111022219726		111017149891		111022278079		111022403373		111023381834		111028607308		111023508627
111004803682		111010366138		111016911041		111019208829		111017229415		111018139427		111019979374		111014075785		111020433889		111020923253		111021039227		111021265036		111022056038		111022219756		111017122258		111022278108		111022403397		111023381856		111028634760		111023508646
111004803693		111010353718		111016911077		111019219766		111017229477		111018139511		111019983445		111014047537		111020433934		111020923290		111021039254		111021265160		111022056240		111022219786		111017094625		111022278137		111022403421		111023381877		111028662211		111023508665
111004803749		111010341298		111016911112		111019230704		111017229539		111018139594		111019987516		111014019290		111020433979		111020923326		111021039281		111021265284		111022056443		111022219815		111017066992		111022278167		111022403445		111023381899		111028689662		111023508684
111004803761		111010328878		111016911148		111019241641		111017229600		111018139678		111019991587		111013991042		111020434023		111020923362		111021039308		111021265408		111022056645		111022219845		111017039359		111022278196		111022403468		111023381920		111028717114		111023508703
111004897359		111010316458		111016911184		111019252578		111017229662		111018139762		111019995659		111013962795		111020434068		111020923399		111021039335		111021265533		111022056847		111022219875		111017011726		111022278226		111022403492		111023381942		111028744565		111023508722
111004897562		111010304038		111016911220		111019263516		111017229723		111018139845		111019999730		111013934548		111020434113		111020923435		111021039362		111021265657		111022057050		111022219905		111016984093		111022278255		111022403516		111023381964		111028772017		111023508741
111004897630		111010291617		111016911256		111019274453		111017229785		111018139929		111020003801		111013906300		111020434157		111020923471		111021039389		111021265781		111022057252		111022219935		111016956460		111022278284		111022403540		111023381985		111028799468		111023508760
111004897663		111010279197		111016911291		111019285390		111017229846		111018140013		111020007872		111013878053		111020434202		111020923508		111021039416		111021265905		111022057455		111022219964		111016928827		111022278314		111022403564		111023382007		111028826920		111023508779
111004897764		111010266777		111016911327		111019296328		111017229908		111018140096		111020011943		111013849805		111020434247		111020923544		111021039443		111021266030		111022057657		111022219994		111016901194		111022278343		111022403588		111023382028		111028854371		111023508798
111004897832		111010254357		111016911363		111019307265		111017229970		111018140180		111020016015		111013821558		111020434292		111020923580		111021039470		111021266154		111022057859		111022220024		111016873561		111022278373		111022403612		111023382050		111028881823		111023508817
111004898259		111010241937		111016911399		111019318202		111017230031		111018140263		111020020086		111013793311		111020434336		111020923617		111021039497		111021266278		111022058062		111022220054		111016845928		111022278402		111022403636		111023382071		111028909274		111023508835
111004898439		111010229517		111016911435		111019329140		111017230093		111018140347		111020024157		111013765063		111020434381		111020923653		111021039524		111021266402		111022058264		111022220083		111016818295		111022278431		111022403660		111023382093		111028936726		111023508854
111004898709		111010217097		111016911470		111019340077		111017230154		111018140431		111020028228		111013736816		111020434426		111020923689		111021039551		111021266526		111022058467		111022220113		111016790662		111022278461		111022403683		111023382114		111028964177		111023508873
111004899070		111010204676		111016911506		111019351014		111017230216		111018140514		111020032299		111013708568		111020434470		111020923726		111021039577		111021266651		111022058669		111022220143		111016763029		111022278490		111022403707		111023382136		111028991628		111023508892
111004899362		111010192256		111016911542		111019361951		111017230277		111018140598		111020036371		111013680321		111020434515		111020923762		111021039604		111021266775		111022058871		111022220173		111016735396		111022278520		111022403731		111023382157		111029019080		111023508911
111004899520		111010179836		111016911578		111019372889		111017230339		111018140682		111020040442		111013652074		111020434560		111020923798		111021039631		111021266899		111022059074		111022220202		111016707763		111022278549		111022403755		111023382179		111029046531		111023508930
111004899531		111010167416		111016911614		111019383826		111017230401		111018140765		111020044513		111013623826		111020434605		111020923835		111021039658		111021267023		111022059276		111022220232		111016680130		111022278578		111022403779		111023382200		111029073983		111023508949
111004899553		111010154996		111016911649		111019394763		111017230462		111018140849		111020048584		111013595579		111020434649		111020923871		111021039685		111021267148		111022059479		111022220262		111016652497		111022278608		111022403803		111023382222		111029101434		111023508968
111004804155		111010142576		111016911685		111019405701		111017230524		111018140932		111020052655		111013567331		111020434694		111020923907		111021039712		111021267272		111022059681		111022220292		111016624864		111022278637		111022403827		111023382243		111029128886		111023508987
111004804188		111010130156		111016911721		111019416638		111017230585		111018141016		111020056727		111013539084		111020434739		111020923944		111021039739		111021267396		111022059883		111022220322		111016597231		111022278667		111022403851		111023382265		111029156337		111023509006
111004804436		111010117735		111016911757		111019427575		111017230647		111018141100		111020060798		111013510837		111020434783		111020923980		111021039766		111021267520		111022060086		111022220351		111016569598		111022278696		111022403875		111023382286		111029183789		111023509025
111004804447		111010105315		111016911793		111019438513		111017230708		111018141183		111020064869		111013482589		111020434828		111020924016		111021039793		111021267645		111022060288		111022220381		111016541965		111022278725		111022403898		111023382308		111029211240		111023509044
111004804571		111010092895		111016911828		111019449450		111017230770		111018141267		111020068940		111013454342		111020434873		111020924053		111021039820		111021267769		111022060491		111022220411		111016514331		111022278755		111022403922		111023382329		111029238692		111023509062
111004804807		111010080475		111016911864		111019460387		111017230832		111018141351		111020073011		111013426094		111020434918		111020924089		111021039847		111021267893		111022060693		111022220441		111016486698		111022278784		111022403946		111023382351		111029266143		111023509081
111004804852		111010068055		111016911900		111019471325		111017230893		111018141434		111020077083		111013397847		111020434962		111020924126		111021039874		111021268017		111022060895		111022220470		111016459065		111022278814		111022403970		111023382372		111029293594		111023509100
111004805066		111010055635		111016911936		111019482262		111017230955		111018141518		111020081154		111013369600		111020435007		111020924162		111021039901		111021268141		111022061098		111022220500		111016431432		111022278843		111022403994		111023382394		111029321046		111023509119
111004805134		111010043215		111016911972		111019493199		111017231016		111018141601		111020085225		111013341352		111020435052		111020924198		111021039928		111021268266		111022061300		111022220530		111016403799		111022278872		111022404018		111023382415		111029348497		111023509138
111004805369		111010030794		111016912007		111019504137		111017231078		111018141685		111020089296		111013313105		111020435096		111020924235		111021039955		111021268390		111022061503		111022220560		111016376166		111022278902		111022404042		111023382437		111029375949		111023509157
111004805505		111010018374		111016912043		111019515074		111017231139		111018141769		111020093367		111013284857		111020435141		111020924271		111021039982		111021268514		111022061705		111022220590		111016348533		111022278931		111022404066		111023382458		111029403400		111023509176
111004805561		111010005954		111016912079		111019526011		111017231201		111018141852		111020097439		111013256610		111020435186		111020924307		111021040009		111021268638		111022061907		111022220619		111016320900		111022278961		111022404089		111023382480		111029430852		111023509195
111004805572		111009993534		111016912115		111019536949		111017231263		111018141936		111020101510		111013228363		111020435231		111020924344		111021040036		111021268763		111022062110		111022220649		111016293267		111022278990		111022404113		111023382501		111029458303		111023509214
111004805617		111009981114		111016912151		111019547886		111017231324		111018142020		111020105581		111013200115		111020435275		111020924380		111021040062		111021268887		111022062312		111022220679		111016265634		111022279019		111022404137		111023382523		111029485755		111023509233
111004805796		111009968694		111016912186		111019558823		111017231386		111018142103		111020109652		111013171868		111020435320		111020924416		111021040089		111021269011		111022062515		111022220709		111016238001		111022279049		111022404161		111023382544		111029513206		111023509252
111004805831		111009956274		111016912222		111019569760		111017231447		111018142187		111020113723		111013143620		111020435365		111020924453		111021040116		111021269135		111022062717		111022220738		111016210368		111022279078		111022404185		111023382566		111029540658		111023509271
111004805897		111009943853		111016912258		111019580698		111017231509		111018142271		111020117795		111013115373		111020435409		111020924489		111021040143		111021269260		111022062919		111022220768		111016182735		111022279108		111022404209		111023382587		111029568109		111023509289
111004806326		111009931433		111016912294		111019591635		111017231570		111018142354		111020121866		111013087126		111020435454		111020924525		111021040170		111021269384		111022063122		111022220798		111016155102		111022279137		111022404233		111023382609		111029595561		111023509308
111004806348		111009919013		111016912330		111019602572		111017231632		111018142438		111020125937		111013058878		111020435499		111020924562		111021040197		111021269508		111022063324		111022220828		111016127469		111022279166		111022404257		111023382630		111029623012		111023509327
111004806371		111009906593		111016912365		111019613510		111017231694		111018142521		111020130008		111013030631		111020435544		111020924598		111021040224		111021269632		111022063527		111022220857		111016099836		111022279196		111022404281		111023382652		111029650463		111023509346
111004806449		111009894173		111016912401		111019624447		111017231755		111018142605		111020134079		111013002383		111020435588		111020924634		111021040251		111021269756		111022063729		111022220887		111016072203		111022279225		111022404304		111023382673		111029677915		111023509365
111004806584		111009881753		111016912437		111019635384		111017231817		111018142689		111020138151		111012974136		111020435633		111020924671		111021040278		111021269881		111022063931		111022220917		111016044570		111022279255		111022404328		111023382695		111029705366		111023509384

SCH-A-4


Loan Number	Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number
111004806775		111009869333		111016912473		111019646322		111017231878		111018142772		111020142222		111012945889		111020435678		111020924707		111021040305		111021270005		111022064134		111022220947		111016016937		111022279284		111022404352		111023382717		111029732818		111023509403
111004806809		111009856912		111016912509		111019657259		111017231940		111018142856		111020146293		111012917641		111020435722		111020924743		111021040332		111021270129		111022064336		111022220977		111015989304		111022279313		111022404376		111023382738		111029760269		111023509422
111004807002		111009844492		111016912544		111019668196		111017232001		111018142940		111020150364		111012889394		111020435767		111020924780		111021040359		111021270253		111022064539		111022221006		111015961671		111022279343		111022404400		111023382760		111029787721		111023509441
111004807158		111009832072		111016912580		111019679134		111017232063		111018143023		111020154435		111012861146		111020435812		111020924816		111021040386		111021270378		111022064741		111022221036		111015934038		111022279372		111022404424		111023382781		111029815172		111023509460
111004960765		111009819652		111016912616		111019690071		111017232125		111018143107		111020158507		111012832899		111020435857		111020924852		111021040413		111021270502		111022064943		111022221066		111015906405		111022279402		111022404448		111023382803		111029842624		111023509479
111004807204		111009807232		111016912652		111019701008		111017232186		111018143190		111020162578		111012804652		111020435901		111020924889		111021040440		111021270626		111022065146		111022221096		111015878772		111022279431		111022404472		111023382824		111029870075		111023509497
111004807260		111009794812		111016912688		111019711946		111017232248		111018143274		111020166649		111012776404		111020435946		111020924925		111021040467		111021270750		111022065348		111022221125		111015851139		111022279460		111022404496		111023382846		111029897527		111023509516
111004807361		111009782392		111016912723		111019722883		111017232309		111018143358		111020170720		111012748157		111020435991		111020924961		111021040494		111021270874		111022065551		111022221155		111015823506		111022279490		111022404519		111023382867		111029924978		111023509535
111004807495		111009769971		111016912759		111019733820		111017232371		111018143441		111020174791		111012719909		111020436035		111020924998		111021040520		111021270999		111022065753		111022221185		111015795873		111022279519		111022404543		111023382889		111029952429		111023509554
111004807563		111009757551		111016912795		111019744757		111017232432		111018143525		111020178863		111012691662		111020436080		111020925034		111021040547		111021271123		111022065955		111022221215		111015768240		111022279549		111022404567		111023382910		111029979881		111023509573
111004807620		111009745131		111016912831		111019755695		111017232494		111018143609		111020182934		111012663415		111020436125		111020925070		111021040574		111021271247		111022066158		111022221244		111015740607		111022279578		111022404591		111023382932		111030007332		111023509592
111004807721		111009732711		111016912867		111019766632		111017232556		111018143692		111020187005		111012635167		111020436170		111020925107		111021040601		111021271371		111022066360		111022221274		111015712974		111022279607		111022404615		111023382953		111030034784		111023509611
111004807888		111009720291		111016912902		111019777569		111017232617		111018143776		111020191076		111012606920		111020436214		111020925143		111021040628		111021271496		111022066563		111022221304		111015685341		111022279637		111022404639		111023382975		111030062235		111023509630
111004808137		111009707871		111016912938		111019788507		111017232679		111018143859		111020195147		111012578672		111020436259		111020925179		111021040655		111021271620		111022066765		111022221334		111015657708		111022279666		111022404663		111023382996		111030089687		111023509649
111004808171		111009695451		111016912974		111019799444		111017232740		111018143943		111020199219		111012550425		111020436304		111020925216		111021040682		111021271744		111022066967		111022221364		111015630075		111022279696		111022404687		111023383018		111030117138		111023509668
111004808496		111009683030		111016913010		111019810381		111017232802		111018144027		111020203290		111012522178		111020436348		111020925252		111021040709		111021271868		111022067170		111022221393		111015602442		111022279725		111022404711		111023383039		111030144590		111023509687
111004808564		111009670610		111016913046		111019821319		111017232863		111018144110		111020207361		111012493930		111020436393		111020925288		111021040736		111021271993		111022067372		111022221423		111015574809		111022279754		111022404734		111023383061		111030172041		111023509706
111004808586		111009658190		111016913081		111019832256		111017232925		111018144194		111020211432		111012465683		111020436438		111020925325		111021040763		111021272117		111022067575		111022221453		111015547175		111022279784		111022404758		111023383082		111030199493		111023509724
111004808610		111009645770		111016913117		111019843193		111017232987		111018144278		111020215503		111012437435		111020436483		111020925361		111021040790		111021272241		111022067777		111022221483		111015519542		111022279813		111022404782		111023383104		111030226944		111023509743
111004808654		111009633350		111016913153		111019854131		111017233048		111018144361		111020219575		111012409188		111020436527		111020925398		111021040817		111021272365		111022067979		111022221512		111015491909		111022279843		111022404806		111023383125		111030254395		111023509762
111004808665		111009620930		111016913189		111019865068		111017233110		111018144445		111020223646		111012380941		111020436572		111020925434		111021040844		111021272489		111022068182		111022221542		111015464276		111022279872		111022404830		111023383147		111030281847		111023509781
111004808801		111009608510		111016913225		111019876005		111017233171		111018144528		111020227717		111012352693		111020436617		111020925470		111021040871		111021272614		111022068384		111022221572		111015436643		111022279901		111022404854		111023383168		111030309298		111023509800
111004808889		111009596089		111016913260		111019886943		111017233233		111018144612		111020231788		111012324446		111020436661		111020925507		111021040898		111021272738		111022068587		111022221602		111015409010		111022279931		111022404878		111023383190		111030336750		111023509819
111004808902		111009583669		111016913296		111019897880		111017233294		111018144696		111020235859		111012296198		111020436706		111020925543		111021040925		111021272862		111022068789		111022221632		111015381377		111022279960		111022404902		111023383211		111030364201		111023509838
111004809015		111009571249		111016913332		111019908817		111017233356		111018144779		111020239931		111012267951		111020436751		111020925579		111021040952		111021272986		111022068991		111022221661		111015353744		111022279990		111022404925		111023383233		111030391653		111023509857
111004903335		111009558829		111016913368		111019919755		111017233418		111018144863		111020244002		111012239704		111020436796		111020925616		111021040979		111021273111		111022069194		111022221691		111015326111		111022280019		111022404949		111023383254		111030419104		111023509876
111004903661		111009546409		111016913404		111019930692		111017233479		111018144947		111020248073		111012211456		111020436840		111020925652		111021041005		111021273235		111022069396		111022221721		111015298478		111022280048		111022404973		111023383276		111030446556		111023509895
111004903841		111009533989		111016913439		111019941629		111017233541		111018145030		111020252144		111012183209		111020436885		111020925688		111021041032		111021273359		111022069599		111022221751		111015270845		111022280078		111022404997		111023383297		111030474007		111023509914
111004904167		111009521569		111016913475		111019952566		111017233602		111018145114		111020256215		111012154961		111020436930		111020925725		111021041059		111021273483		111022069801		111022221780		111015243212		111022280107		111022405021		111023383319		111030501459		111023509933
111004904426		111009509148		111016913511		111019963504		111017233664		111018145198		111020260287		111012126714		111020436974		111020925761		111021041086		111021273608		111022070003		111022221810		111015215579		111022280137		111022405045		111023383340		111030528910		111023509951
111004904583		111009496728		111016913547		111019974441		111017233725		111018145281		111020264358		111012098467		111020437019		111020925797		111021041113		111021273732		111022070206		111022221840		111015187946		111022280166		111022405069		111023383362		111030556362		111023509970
111004904718		111009484308		111016913583		111019985378		111017233787		111018145365		111020268429		111012070219		111020437064		111020925834		111021041140		111021273856		111022070408		111022221870		111015160313		111022280195		111022405093		111023383383		111030583813		111023509989
111004904808		111009471888		111016913618		111019996316		111017233849		111018145448		111020272500		111012041972		111020437109		111020925870		111021041167		111021273980		111022070611		111022221899		111015132680		111022280225		111022405117		111023383405		111030611264		111023510008
111004904842		111009459468		111016913654		111020007253		111017233910		111018145532		111020276571		111012013724		111020437153		111020925906		111021041194		111021274104		111022070813		111022221929		111015105047		111022280254		111022405140		111023383426		111030638716		111023510027
111004904864		111009447048		111016913690		111020018190		111017233972		111018145616		111020280643		111011985477		111020437198		111020925943		111021041221		111021274229		111022071015		111022221959		111015077414		111022280284		111022405164		111023383448		111030666167		111023510046
111004904932		111009434628		111016913726		111020029128		111017234033		111018145699		111020284714		111011957230		111020437243		111020925979		111021041248		111021274353		111022071218		111022221989		111015049781		111022280313		111022405188		111023383470		111030693619		111023510065
111004905135		111009422207		111016913762		111020040065		111017234095		111018145783		111020288785		111011928982		111020437287		111020926015		111021041275		111021274477		111022071420		111022222019		111015022148		111022280342		111022405212		111023383491		111030721070		111023510084
111004809330		111009409787		111016913797		111020051002		111017234156		111018145867		111020292856		111011900735		111020437332		111020926052		111021041302		111021274601		111022071623		111022222048		111014994515		111022280372		111022405236		111023383513		111030748522		111023510103
111004809341		111009397367		111016913833		111020061940		111017234218		111018145950		111020296927		111011872487		111020437377		111020926088		111021041329		111021274726		111022071825		111022222078		111014966882		111022280401		111022405260		111023383534		111030775973		111023510122
111004809385		111009384947		111016913869		111020072877		111017234280		111018146034		111020300999		111011844240		111020437422		111020926124		111021041356		111021274850		111022072027		111022222108		111014939249		111022280431		111022405284		111023383556		111030803425		111023510141
111004809396		111009372527		111016913905		111020083814		111017234341		111018146117		111020305070		111011815993		111020437466		111020926161		111021041383		111021274974		111022072230		111022222138		111014911616		111022280460		111022405308		111023383577		111030830876		111023510159
111004809600		111009360107		111016913941		111020094752		111017234403		111018146201		111020309141		111011787745		111020437511		111020926197		111021041410		111021275098		111022072432		111022222167		111014883983		111022280489		111022405332		111023383599		111030858328		111023510178
111004809813		111009347687		111016913976		111020105689		111017234464		111018146285		111020313212		111011759498		111020437556		111020926233		111021041437		111021275222		111022072635		111022222197		111014856350		111022280519		111022405355		111023383620		111030885779		111023510197
111004810174		111009335266		111016914012		111020116626		111017234526		111018146368		111020317283		111011731250		111020437600		111020926270		111021041463		111021275347		111022072837		111022222227		111014828717		111022280548		111022405379		111023383642		111030913230		111023510216
111004810219		111009322846		111016914048		111020127563		111017234587		111018146452		111020321355		111011703003		111020437645		111020926306		111021041490		111021275471		111022073039		111022222257		111014801084		111022280578		111022405403		111023383663		111030940682		111023510235
111004810309		111009310426		111016914084		111020138501		111017234649		111018146536		111020325426		111011674756		111020437690		111020926342		111021041517		111021275595		111022073242		111022222286		111014773451		111022280607		111022405427		111023383685		111030968133		111023510254
111004810343		111009298006		111016914120		111020149438		111017234711		111018146619		111020329497		111011646508		111020437735		111020926379		111021041544		111021275719		111022073444		111022222316		111014745818		111022280636		111022405451		111023383706		111030995585		111023510273
111004810354		111009285586		111016914155		111020160375		111017234772		111018146703		111020333568		111011618261		111020437779		111020926415		111021041571		111021275844		111022073647		111022222346		111014718185		111022280666		111022405475		111023383728		111031023036		111023510292
111004810433		111009273166		111016914191		111020171313		111017234834		111018146786		111020337639		111011590013		111020437824		111020926451		111021041598		111021275968		111022073849		111022222376		111014690552		111022280695		111022405499		111023383749		111031050488		111023510311
111004810444		111009260746		111016914227		111020182250		111017234895		111018146870		111020341711		111011561766		111020437869		111020926488		111021041625		111021276092		111022074051		111022222406		111014662919		111022280725		111022405523		111023383771		111031077939		111023510330
111004810534		111009248325		111016914263		111020193187		111017234957		111018146954		111020345782		111011533519		111020437913		111020926524		111021041652		111021276216		111022074254		111022222435		111014635286		111022280754		111022405547		111023383792		111031105391		111023510349
111004810545		111009235905		111016914299		111020204125		111017235018		111018147037		111020349853		111011505271		111020437958		111020926560		111021041679		111021276341		111022074456		111022222465		111014607653		111022280783		111022405570		111023383814		111031132842		111023510368
111004810714		111009223485		111016914334		111020215062		111017235080		111018147121		111020353924		111011477024		111020438003		111020926597		111021041706		111021276465		111022074659		111022222495		111014580019		111022280813		111022405594		111023383835		111031160294		111023510386
111004810792		111009211065		111016914370		111020225999		111017235142		111018147205		111020357995		111011448776		111020438048		111020926633		111021041733		111021276589		111022074861		111022222525		111014552386		111022280842		111022405618		111023383857		111031187745		111023510405
111004810837		111009198645		111016914406		111020236937		111017235203		111018147288		111020362067		111011420529		111020438092		111020926670		111021041760		111021276713		111022075063		111022222554		111014524753		111022280872		111022405642		111023383878		111031215196		111023510424
111004810882		111009186225		111016914442		111020247874		111017235265		111018147372		111020366138		111011392282		111020438137		111020926706		111021041787		111021276837		111022075266		111022222584		111014497120		111022280901		111022405666		111023383900		111031242648		111023510443
111004810916		111009173805		111016914478		111020258811		111017235326		111018147455		111020370209		111011364034		111020438182		111020926742		111021041814		111021276962		111022075468		111022222614		111014469487		111022280930		111022405690		111023383921		111031270099		111023510462
111004810950		111009161384		111016914513		111020269749		111017235388		111018147539		111020374280		111011335787		111020438226		111020926779		111021041841		111021277086		111022075671		111022222644		111014441854		111022280960		111022405714		111023383943		111031297551		111023510481
111004811120		111009148964		111016914549		111020280686		111017235449		111018147623		111020378351		111011307539		111020438271		111020926815		111021041868		111021277210		111022075873		111022222674		111014414221		111022280989		111022405738		111023383964		111031325002		111023510500
111004811197		111009136544		111016914585		111020291623		111017235511		111018147706		111020382423		111011279292		111020438316		111020926851		111021041895		111021277334		111022076075		111022222703		111014386588		111022281019		111022405761		111023383986		111031352454		111023510519
111004811467		111009124124		111016914621		111020302561		111017235573		111018147790		111020386494		111011251045		111020438361		111020926888		111021041922		111021277459		111022076278		111022222733		111014358955		111022281048		111022405785		111023384007		111031379905		111023510538
111004811557		111009111704		111016914657		111020313498		111017235634		111018147874		111020390565		111011222797		111020438405		111020926924		111021041948		111021277583		111022076480		111022222763		111014331322		111022281077		111022405809		111023384029		111031407357		111023510557
111004811580		111009099284		111016914692		111020324435		111017235696		111018147957		111020394636		111011194550		111020438450		111020926960		111021041975		111021277707		111022076683		111022222793		111014303689		111022281107		111022405833		111023384050		111031434808		111023510576
111004811647		111009086864		111016914728		111020335372		111017235757		111018148041		111020398707		111011166302		111020438495		111020926997		111021042002		111021277831		111022076885		111022222822		111014276056		111022281136		111022405857		111023384072		111031462260		111023510595
111004811704		111009074443		111016914764		111020346310		111017235819		111018148125		111020402779		111011138055		111020438539		111020927033		111021042029		111021277956		111022077087		111022222852		111014248423		111022281166		111022405881		111023384093		111031489711		111023510613
111004811793		111009062023		111016914800		111020357247		111017235880		111018148208		111020406850		111011109808		111020438584		111020927069		111021042056		111021278080		111022077290		111022222882		111014220790		111022281195		111022405905		111023384115		111031517163		111023510632
111004811805		111009049603		111016914836		111020368184		111017235942		111018148292		111020410921		111011081560		111020438629		111020927106		111021042083		111021278204		111022077492		111022222912		111014193157		111022281224		111022405929		111023384136		111031544614		111023510651
111004812064		111009037183		111016914871		111020379122		111017236004		111018148375		111020414992		111011053313		111020438674		111020927142		111021042110		111021278328		111022077695		111022222941		111014165524		111022281254		111022405953		111023384158		111031572065		111023510670
111004908048		111009024763		111016914907		111020390059		111017236065		111018148459		111020419063		111011025065		111020438718		111020927178		111021042137		111021278452		111022077897		111022222971		111014137891		111022281283		111022405976		111023384179		111031599517		111023510689
111004908240		111009012343		111016914943		111020400996		111017236127		111018148543		111020423135		111010996818		111020438763		111020927215		111021042164		111021278577		111022078099		111022223001		111014110258		111022281313		111022406000		111023384201		111031626968		111023510708
111004908521		111008999923		111016914979		111020411934		111017236188		111018148626		111020427206		111010968571		111020438808		111020927251		111021042191		111021278701		111022078302		111022223031		111014082625		111022281342		111022406024		111023384223		111031654420		111023510727
111004908598		111008987502		111016915015		111020422871		111017236250		111018148710		111020431277		111010940323		111020438852		111020927287		111021042218		111021278825		111022078504		111022223061		111014054992		111022281371		111022406048		111023384244		111031681871		111023510746
111004908644		111008975082		111016915050		111020433808		111017236311		111018148794		111020435348		111010912076		111020438897		111020927324		111021042245		111021278949		111022078707		111022223090		111014027359		111022281401		111022406072		111023384266		111031709323		111023510765
111004908789		111008962662		111016915086		111020444746		111017236373		111018148877		111020439419		111010883828		111020438942		111020927360		111021042272		111021279074		111022078909		111022223120		111013999726		111022281430		111022406096		111023384287		111031736774		111023510784
111004908835		111008950242		111016915122		111020455683		111017236435		111018148961		111020443491		111010855581		111020438987		111020927396		111021042299		111021279198		111022079111		111022223150		111013972093		111022281460		111022406120		111023384309		111031764226		111023510803
111004812749		111008937822		111016915158		111020466620		111017236496		111018149044		111020447562		111010827334		111020439031		111020927433		111021042326		111021279322		111022079314		111022223180		111013944460		111022281489		111022406144		111023384330		111031791677		111023510821
111004812761		111008925402		111016915194		111020477558		111017236558		111018149128		111020451633		111010799086		111020439076		111020927469		111021042353		111021279446		111022079516		111022223209		111013916827		111022281518		111022406168		111023384352		111031819129		111023510840

SCH-A-5


Loan Number	Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number
111004812873		111008912982		111016915229		111020488495		111017236619		111018149212		111020455704		111010770839		111020439121		111020927505		111021042380		111021279570		111022079719		111022223239		111013889194		111022281548		111022406191		111023384373		111031846580		111023510859
111004812930		111008900561		111016915265		111020499432		111017236681		111018149295		111020459775		111010742591		111020439165		111020927542		111021042406		111021279695		111022079921		111022223269		111013861561		111022281577		111022406215		111023384395		111031874031		111023510878
111004813010		111008888141		111016915301		111020510369		111017236742		111018149379		111020463847		111010714344		111020439210		111020927578		111021042433		111021279819		111022080123		111022223299		111013833928		111022281607		111022406239		111023384416		111031901483		111023510897
111004813212		111008875721		111016915337		111020521307		111017236804		111018149463		111020467918		111010686097		111020439255		111020927614		111021042460		111021279943		111022080326		111022223328		111013806295		111022281636		111022406263		111023384438		111031928934		111023510916
111004813256		111008863301		111016915373		111020532244		111017236866		111018149546		111020471989		111010657849		111020439300		111020927651		111021042487		111021280067		111022080528		111022223358		111013778662		111022281665		111022406287		111023384459		111031956386		111023510935
111004813313		111008850881		111016915408		111020543181		111017236927		111018149630		111020476060		111010629602		111020439344		111020927687		111021042514		111021280192		111022080731		111022223388		111013751029		111022281695		111022406311		111023384481		111031983837		111023510954
111004813335		111008838461		111016915444		111020554119		111017236989		111018149713		111020480131		111010601354		111020439389		111020927723		111021042541		111021280316		111022080933		111022223418		111013723396		111022281724		111022406335		111023384502		111032011289		111023510973
111004813368		111008826041		111016915480		111020565056		111017237050		111018149797		111020484203		111010573107		111020439434		111020927760		111021042568		111021280440		111022081135		111022223448		111013695763		111022281754		111022406359		111023384524		111032038740		111023510992
111004813627		111008813620		111016915516		111020575993		111017237112		111018149881		111020488274		111010544860		111020439478		111020927796		111021042595		111021280564		111022081338		111022223477		111013668130		111022281783		111022406383		111023384545		111032066192		111023511011
111004813672		111008801200		111016915552		111020586931		111017237173		111018149964		111020492345		111010516612		111020439523		111020927832		111021042622		111021280689		111022081540		111022223507		111013640497		111022281812		111022406406		111023384567		111032093643		111023511030
111004813694		111008788780		111016915587		111020597868		111017237235		111018150048		111020496416		111010488365		111020439568		111020927869		111021042649		111021280813		111022081743		111022223537		111013612863		111022281842		111022406430		111023384588		111032121095		111023511048
111004813762		111008776360		111016915623		111020608805		111017237297		111018150132		111020500487		111010460117		111020439613		111020927905		111021042676		111021280937		111022081945		111022223567		111013585230		111022281871		111022406454		111023384610		111032148546		111023511067
111004813997		111008763940		111016915659		111020619743		111017237358		111018150215		111020504559		111010431870		111020439657		111020927942		111021042703		111021281061		111022082147		111022223596		111013557597		111022281901		111022406478		111023384631		111032175997		111023511086
111004814156		111008751520		111016915695		111020630680		111017237420		111018150299		111020508630		111010403623		111020439702		111020927978		111021042730		111021281185		111022082350		111022223626		111013529964		111022281930		111022406502		111023384653		111032203449		111023511105
111004814482		111008739100		111016915731		111020641617		111017237481		111018150382		111020512701		111010375375		111020439747		111020928014		111021042757		111021281310		111022082552		111022223656		111013502331		111022281959		111022406526		111023384674		111032230900		111023511124
111004814628		111008726679		111016915766		111020652555		111017237543		111018150466		111020516772		111010347128		111020439791		111020928051		111021042784		111021281434		111022082755		111022223686		111013474698		111022281989		111022406550		111023384696		111032258352		111023511143
111004814730		111008714259		111016915802		111020663492		111017237604		111018150550		111020520843		111010318880		111020439836		111020928087		111021042811		111021281558		111022082957		111022223716		111013447065		111022282018		111022406574		111023384717		111032285803		111023511162
111004814785		111008701839		111016915838		111020674429		111017237666		111018150633		111020524915		111010290633		111020439881		111020928123		111021042838		111021281682		111022083159		111022223745		111013419432		111022282048		111022406597		111023384739		111032313255		111023511181
111004814853		111008689419		111016915874		111020685367		111017237728		111018150717		111020528986		111010262386		111020439926		111020928160		111021042865		111021281807		111022083362		111022223775		111013391799		111022282077		111022406621		111023384760		111032340706		111023511200
111004814875		111008676999		111016915910		111020696304		111017237789		111018150801		111020533057		111010234138		111020439970		111020928196		111021042891		111021281931		111022083564		111022223805		111013364166		111022282106		111022406645		111023384782		111032368158		111023511219
111004814886		111008664579		111016915945		111020707241		111017237851		111018150884		111020537128		111010205891		111020440015		111020928232		111021042918		111021282055		111022083767		111022223835		111013336533		111022282136		111022406669		111023384803		111032395609		111023511238
111004815078		111008652159		111016915981		111020718178		111017237912		111018150968		111020541199		111010177643		111020440060		111020928269		111021042945		111021282179		111022083969		111022223864		111013308900		111022282165		111022406693		111023384825		111032423061		111023511257
111004815135		111008639738		111016916017		111020729116		111017237974		111018151052		111020545271		111010149396		111020440104		111020928305		111021042972		111021282304		111022084171		111022223894		111013281267		111022282195		111022406717		111023384846		111032450512		111023511275
111004815258		111008627318		111016916053		111020740053		111017238035		111018151135		111020549342		111010121149		111020440149		111020928341		111021042999		111021282428		111022084374		111022223924		111013253634		111022282224		111022406741		111023384868		111032477964		111023511294
111004815269		111008614898		111016916089		111020750990		111017238097		111018151219		111020553413		111010092901		111020440194		111020928378		111021043026		111021282552		111022084576		111022223954		111013226001		111022282253		111022406765		111023384889		111032505415		111023511313
111004815472		111008602478		111016916124		111020761928		111017238159		111018151302		111020557484		111010064654		111020440239		111020928414		111021043053		111021282676		111022084779		111022223983		111013198368		111022282283		111022406789		111023384911		111032532866		111023511332
111004815539		111008590058		111016916160		111020772865		111017238220		111018151386		111020561555		111010036406		111020440283		111020928450		111021043080		111021282800		111022084981		111022224013		111013170735		111022282312		111022406812		111023384932		111032560318		111023511351
111004815652		111008577638		111016916196		111020783802		111017238282		111018151470		111020565627		111010008159		111020440328		111020928487		111021043107		111021282925		111022085183		111022224043		111013143102		111022282342		111022406836		111023384954		111032587769		111023511370
111004815786		111008565218		111016916232		111020794740		111017238343		111018151553		111020569698		111009979912		111020440373		111020928523		111021043134		111021283049		111022085386		111022224073		111013115469		111022282371		111022406860		111023384976		111032615221		111023511389
111004815843		111008552797		111016916268		111020805677		111017238405		111018151637		111020573769		111009951664		111020440417		111020928559		111021043161		111021283173		111022085588		111022224103		111013087836		111022282400		111022406884		111023384997		111032642672		111023511408
111004816068		111008540377		111016916303		111020816614		111017238466		111018151721		111020577840		111009923417		111020440462		111020928596		111021043188		111021283297		111022085791		111022224132		111013060203		111022282430		111022406908		111023385019		111032670124		111023511427
111004816079		111008527957		111016916339		111020827552		111017238528		111018151804		111020581911		111009895169		111020440507		111020928632		111021043215		111021283422		111022085993		111022224162		111013032570		111022282459		111022406932		111023385040		111032697575		111023511446
111004816080		111008515537		111016916375		111020838489		111017238590		111018151888		111020585983		111009866922		111020440552		111020928668		111021043242		111021283546		111022086195		111022224192		111013004937		111022282489		111022406956		111023385062		111032725027		111023511465
111004881341		111008503117		111016916411		111020849426		111017238651		111018151971		111020590054		111009838675		111020440596		111020928705		111021043269		111021283670		111022086398		111022224222		111012977304		111022282518		111022406980		111023385083		111032752478		111023511483
111004881374		111008490697		111016916447		111020860364		111017238713		111018152055		111020594125		111009810427		111020440641		111020928741		111021043296		111021283794		111022086600		111022224251		111012949671		111022282547		111022407004		111023385105		111032779930		111023511502
111004881396		111008478277		111016916482		111020871301		111017238774		111018152139		111020598196		111009782180		111020440686		111020928777		111021043323		111021283918		111022086803		111022224281		111012922038		111022282577		111022407027		111023385126		111032807381		111023511521
111004881408		111008465856		111016916518		111020882238		111017238836		111018152222		111020602267		111009753932		111020440730		111020928814		111021043349		111021284043		111022087005		111022224311		111012894405		111022282606		111022407051		111023385148		111032834832		111023511540
111004881419		111008453436		111016916554		111020893175		111017238897		111018152306		111020606339		111009725685		111020440775		111020928850		111021043376		111021284167		111022087207		111022224341		111012866772		111022282636		111022407075		111023385169		111032862284		111023511559
111004881442		111008441016		111016916590		111020904113		111017238959		111018152390		111020610410		111009697438		111020440820		111020928886		111021043403		111021284291		111022087410		111022224370		111012839139		111022282665		111022407099		111023385191		111032889735		111023511578
111004881509		111008428596		111016916626		111020915050		111017239021		111018152473		111020614481		111009669190		111020440865		111020928923		111021043430		111021284415		111022087612		111022224400		111012811506		111022282694		111022407123		111023385212		111032917187		111023511597
111004881554		111008416176		111016916661		111020925987		111017239082		111018152557		111020618552		111009640943		111020440909		111020928959		111021043457		111021284540		111022087815		111022224430		111012783873		111022282724		111022407147		111023385234		111032944638		111023511616
111004881600		111008403756		111016916697		111020936925		111017239144		111018152640		111020622623		111009612695		111020440954		111020928995		111021043484		111021284664		111022088017		111022224460		111012756240		111022282753		111022407171		111023385255		111032972090		111023511635
111004881745		111008391336		111016916733		111020947862		111017239205		111018152724		111020626695		111009584448		111020440999		111020929032		111021043511		111021284788		111022088219		111022224490		111012728607		111022282783		111022407195		111023385277		111032999541		111023511654
111004881868		111008378915		111016916769		111020958799		111017239267		111018152808		111020630766		111009556201		111020441043		111020929068		111021043538		111021284912		111022088422		111022224519		111012700974		111022282812		111022407219		111023385298		111033026993		111023511673
111004881936		111008366495		111016916805		111020969737		111017239328		111018152891		111020634837		111009527953		111020441088		111020929104		111021043565		111021285037		111022088624		111022224549		111012673341		111022282841		111022407242		111023385320		111033054444		111023511692
111004816125		111008354075		111016916840		111020980674		111017239390		111018152975		111020638908		111009499706		111020441133		111020929141		111021043592		111021285161		111022088827		111022224579		111012645707		111022282871		111022407266		111023385341		111033081896		111023511710
111004816181		111008341655		111016916876		111020991611		111017239452		111018153059		111020642979		111009471458		111020441178		111020929177		111021043619		111021285285		111022089029		111022224609		111012618074		111022282900		111022407290		111023385363		111033109347		111023511729
111004816608		111008329235		111016916912		111021002549		111017239513		111018153142		111020647051		111009443211		111020441222		111020929214		111021043646		111021285409		111022089231		111022224638		111012590441		111022282930		111022407314		111023385384		111033136798		111023511748
111004816619		111008316815		111016916948		111021013486		111017239575		111018153226		111020651122		111009414964		111020441267		111020929250		111021043673		111021285533		111022089434		111022224668		111012562808		111022282959		111022407338		111023385406		111033164250		111023511767
111004816844		111008304395		111016916984		111021024423		111017239636		111018153309		111020655193		111009386716		111020441312		111020929286		111021043700		111021285658		111022089636		111022224698		111012535175		111022282988		111022407362		111023385427		111033191701		111023511786
111004817014		111008291974		111016917019		111021035361		111017239698		111018153393		111020659264		111009358469		111020441356		111020929323		111021043727		111021285782		111022089839		111022224728		111012507542		111022283018		111022407386		111023385449		111033219153		111023511805
111004817025		111008279554		111016917055		111021046298		111017239759		111018153477		111020663335		111009330221		111020441401		111020929359		111021043754		111021285906		111022090041		111022224758		111012479909		111022283047		111022407410		111023385470		111033246604		111023511824
111004817069		111008267134		111016917091		111021057235		111017239821		111018153560		111020667407		111009301974		111020441446		111020929395		111021043781		111021286030		111022090243		111022224787		111012452276		111022283077		111022407433		111023385492		111033274056		111023511843
111004817148		111008254714		111016917127		111021068173		111017239883		111018153644		111020671478		111009273727		111020441491		111020929432		111021043808		111021286155		111022090446		111022224817		111012424643		111022283106		111022407457		111023385513		111033301507		111023511862
111004817171		111008242294		111016917163		111021079110		111017239944		111018153728		111020675549		111009245479		111020441535		111020929468		111021043834		111021286279		111022090648		111022224847		111012397010		111022283135		111022407481		111023385535		111033328959		111023511881
111004817238		111008229874		111016917198		111021090047		111017240006		111018153811		111020679620		111009217232		111020441580		111020929504		111021043861		111021286403		111022090851		111022224877		111012369377		111022283165		111022407505		111023385556		111033356410		111023511900
111004881992		111008217454		111016917234		111021100984		111017240067		111018153895		111020683691		111009188984		111020441625		111020929541		111021043888		111021286527		111022091053		111022224906		111012341744		111022283194		111022407529		111023385578		111033383862		111023511919
111004882151		111008205033		111016917270		111021111922		111017240129		111018153979		111020687763		111009160737		111020441669		111020929577		111021043915		111021286652		111022091255		111022224936		111012314111		111022283224		111022407553		111023385599		111033411313		111023511937
111004882218		111008192613		111016917306		111021122859		111017240190		111018154062		111020691834		111009132490		111020441714		111020929613		111021043942		111021286776		111022091458		111022224966		111012286478		111022283253		111022407577		111023385621		111033438765		111023511956
111004817687		111008180193		111016917342		111021133796		111017240252		111018154146		111020695905		111009104242		111020441759		111020929650		111021043969		111021286900		111022091660		111022224996		111012258845		111022283282		111022407601		111023385642		111033466216		111023511975
111004817812		111008167773		111016917377		111021144734		111017240314		111018154229		111020699976		111009075995		111020441804		111020929686		111021043996		111021287024		111022091863		111022225025		111012231212		111022283312		111022407625		111023385664		111033493667		111023511994
111004817890		111008155353		111016917413		111021155671		111017240375		111018154313		111020704047		111009047747		111020441848		111020929722		111021044023		111021287148		111022092065		111022225055		111012203579		111022283341		111022407648		111023385685		111033521119		111023512013
111004817902		111008142933		111016917449		111021166608		111017240437		111018154397		111020708119		111009019500		111020441893		111020929759		111021044050		111021287273		111022092267		111022225085		111012175946		111022283371		111022407672		111023385707		111033548570		111023512032
111004817924		111008130513		111016917485		111021177546		111017240498		111018154480		111020712190		111008991253		111020441938		111020929795		111021044077		111021287397		111022092470		111022225115		111012148313		111022283400		111022407696		111023385729		111033576022		111023512051
111004817968		111008118092		111016917521		111021188483		111017240560		111018154564		111020716261		111008963005		111020441982		111020929831		111021044104		111021287521		111022092672		111022225145		111012120680		111022283429		111022407720		111023385750		111033603473		111023512070
111004817979		111008105672		111016917556		111021199420		111017240621		111018154648		111020720332		111008934758		111020442027		111020929868		111021044131		111021287645		111022092875		111022225174		111012093047		111022283459		111022407744		111023385772		111033630925		111023512089
111004818048		111008093252		111016917592		111021210358		111017240683		111018154731		111020724403		111008906510		111020442072		111020929904		111021044158		111021287770		111022093077		111022225204		111012065414		111022283488		111022407768		111023385793		111033658376		111023512108
111004818060		111008080832		111016917628		111021221295		111017240745		111018154815		111020728475		111008878263		111020442117		111020929940		111021044185		111021287894		111022093279		111022225234		111012037781		111022283518		111022407792		111023385815		111033685828		111023512127
111004819005		111008068412		111016917664		111021232232		111017240806		111018154898		111020732546		111008850016		111020442161		111020929977		111021044212		111021288018		111022093482		111022225264		111012010148		111022283547		111022407816		111023385836		111033713279		111023512145
111004819016		111008055992		111016917700		111021243170		111017240868		111018154982		111020736617		111008821768		111020442206		111020930013		111021044239		111021288142		111022093684		111022225293		111011982515		111022283576		111022407840		111023385858		111033740731		111023512164
111004819038		111008043572		111016917735		111021254107		111017240929		111018155066		111020740688		111008793521		111020442251		111020930049		111021044266		111021288266		111022093887		111022225323		111011954882		111022283606		111022407863		111023385879		111033768182		111023512183
111004819173		111008031151		111016917771		111021265044		111017240991		111018155149		111020744759		111008765273		111020442295		111020930086		111021044292		111021288391		111022094089		111022225353		111011927249		111022283635		111022407887		111023385901		111033795633		111023512202
111004819195		111008018731		111016917807		111021275981		111017241052		111018155233		111020748831		111008737026		111020442340		111020930122		111021044319		111021288515		111022094291		111022225383		111011899616		111022283665		111022407911		111023385922		111033823085		111023512221
111004819218		111008006311		111016917843		111021286919		111017241114		111018155317		111020752902		111008708779		111020442385		111020930158		111021044346		111021288639		111022094494		111022225412		111011871983		111022283694		111022407935		111023385944		111033850536		111023512240
111004819296		111007993891		111016917879		111021297856		111017241176		111018155400		111020756973		111008680531		111020442430		111020930195		111021044373		111021288763		111022094696		111022225442		111011844350		111022283723		111022407959		111023385965		111033877988		111023512259
111004819397		111007981471		111016917914		111021308793		111017241237		111018155484		111020761044		111008652284		111020442474		111020930231		111021044400		111021288888		111022094899		111022225472		111011816717		111022283753		111022407983		111023385987		111033905439		111023512278
111004819454		111007969051		111016917950		111021319731		111017241299		111018155567		111020765115		111008624036		111020442519		111020930267		111021044427		111021289012		111022095101		111022225502		111011789084		111022283782		111022408007		111023386008		111033932891		111023512297

SCH-A-6


Loan Number	Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number
111004819735		111007956631		111016917986		111021330668		111017241360		111018155651		111020769187		111008595789		111020442564		111020930304		111021044454		111021289136		111022095303		111022225532		111011761451		111022283812		111022408031		111023386030		111033960342		111023512316
111004819757		111007944210		111016918022		111021341605		111017241422		111018155735		111020773258		111008567542		111020442608		111020930340		111021044481		111021289260		111022095506		111022225561		111011733818		111022283841		111022408055		111023386051		111033987794		111023512335
111004819814		111007931790		111016918058		111021352543		111017241483		111018155818		111020777329		111008539294		111020442653		111020930376		111021044508		111021289385		111022095708		111022225591		111011706185		111022283870		111022408078		111023386073		111034015245		111023512354
111004819869		111007919370		111016918093		111021363480		111017241545		111018155902		111020781400		111008511047		111020442698		111020930413		111021044535		111021289509		111022095911		111022225621		111011678551		111022283900		111022408102		111023386094		111034042697		111023512372
111004819926		111007906950		111016918129		111021374417		111017241607		111018155986		111020785471		111008482799		111020442743		111020930449		111021044562		111021289633		111022096113		111022225651		111011650918		111022283929		111022408126		111023386116		111034070148		111023512391
111004820029		111007894530		111016918165		111021385355		111017241668		111018156069		111020789543		111008454552		111020442787		111020930486		111021044589		111021289757		111022096315		111022225680		111011623285		111022283959		111022408150		111023386137		111034097599		111023512410
111004820287		111007882110		111016918201		111021396292		111017241730		111018156153		111020793614		111008426305		111020442832		111020930522		111021044616		111021289881		111022096518		111022225710		111011595652		111022283988		111022408174		111023386159		111034125051		111023512429
111004886166		111007869690		111016918237		111021407229		111017241791		111018156236		111020797685		111008398057		111020442877		111020930558		111021044643		111021290006		111022096720		111022225740		111011568019		111022284017		111022408198		111023386180		111034152502		111023512448
111004886324		111007857269		111016918272		111021418167		111017241853		111018156320		111020801756		111008369810		111020442921		111020930595		111021044670		111021290130		111022096923		111022225770		111011540386		111022284047		111022408222		111023386202		111034179954		111023512467
111004886492		111007844849		111016918308		111021429104		111017241914		111018156404		111020805827		111008341562		111020442966		111020930631		111021044697		111021290254		111022097125		111022225800		111011512753		111022284076		111022408246		111023386223		111034207405		111023512486
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111005000839		111007161741		111016920277		111022030656		111017245301		111018161003		111021029743		111006787955		111020445425		111020932630		111021046178		111021297087		111022108257		111022227437		111009992937		111022285693		111022409559		111023387407		111035717235		111023513526
111005070230		111007149321		111016920313		111022041593		111017245362		111018161087		111021033815		111006759708		111020445470		111020932666		111021046205		111021297211		111022108459		111022227467		111009965304		111022285723		111022409583		111023387428		111035744687		111023513545
111005071826		111007136901		111016920349		111022052531		111017245424		111018161171		111021037886		111006731461		111020445515		111020932702		111021046232		111021297335		111022108662		111022227496		111009937671		111022285752		111022409607		111023387450		111035772138		111023513564
111005104834		111007124481		111016920385		111022063468		111017245486		111018161254		111021041957		111006703213		111020445560		111020932739		111021046259		111021297459		111022108864		111022227526		111009910038		111022285781		111022409631		111023387471		111035799590		111023513583
111005343794		111007112061		111016920420		111022074405		111017245547		111018161338		111021046028		111006674966		111020445604		111020932775		111021046286		111021297584		111022109067		111022227556		111009882405		111022285811		111022409655		111023387493		111035827041		111023513602
111005333849		111007099641		111016920456		111022085343		111017245609		111018161421		111021050099		111006646718		111020445649		111020932811		111021046313		111021297708		111022109269		111022227586		111009854772		111022285840		111022409679		111023387514		111035854493		111023513621
111005334727		111007087221		111016920492		111022096280		111017245670		111018161505		111021054171		111006618471		111020445694		111020932848		111021046340		111021297832		111022109471		111022227616		111009827139		111022285870		111022409703		111023387536		111035881944		111023513640
111005245953		111007074800		111016920528		111022107217		111017245732		111018161589		111021058242		111006590224		111020445738		111020932884		111021046367		111021297956		111022109674		111022227645		111009799506		111022285899		111022409727		111023387557		111035909396		111023513659
111005274775		111007062380		111016920564		111022118155		111017245793		111018161672		111021062313		111006561976		111020445783		111020932920		111021046394		111021298081		111022109876		111022227675		111009771873		111022285928		111022409750		111023387579		111035936847		111023513678
111005280457		111007049960		111016920599		111022129092		111017245855		111018161756		111021066384		111006533729		111020445828		111020932957		111021046421		111021298205		111022110079		111022227705		111009744239		111022285958		111022409774		111023387600		111035964299		111023513696
111005283236		111007037540		111016920635		111022140029		111017245917		111018161840		111021070455		111006505481		111020445873		111020932993		111021046448		111021298329		111022110281		111022227735		111009716606		111022285987		111022409798		111023387622		111035991750		111023513715
111005318437		111007025120		111016920671		111022150967		111017245978		111018161923		111021074527		111006477234		111020445917		111020933030		111021046475		111021298453		111022110483		111022227764		111009688973		111022286017		111022409822		111023387643		111036019201		111023513734
111005288927		111007012700		111016920707		111022161904		111017246040		111018162007		111021078598		111006448987		111020445962		111020933066		111021046502		111021298577		111022110686		111022227794		111009661340		111022286046		111022409846		111023387665		111036046653		111023513753

SCH-A-7


Loan Number	Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number		Loan Number
111005234614		111007000280		111016920743		111022172841		111017246101		111018162090		111021082669		111006420739		111020446007		111020933102		111021046529		111021298702		111022110888		111022227824		111009633707		111022286075		111022409870		111023387686		111036074104		111023513772
111005456553		111006987859		111016920778		111022183779		111017246163		111018162174		111021086740		111006392492		111020446051		111020933139		111021046556		111021298826		111022111091		111022227854		111009606074		111022286105		111022409894		111023387708		111036101556		111023513791
111005496973		111006975439		111016920814		111022194716		111017246224		111018162258		111021090811		111006364244		111020446096		111020933175		111021046583		111021298950		111022111293		111022227884		111009578441		111022286134		111022409918		111023387729		111036129007		111023513810
111005532457		111006963019		111016920850		111022205653		111017246286		111018162341		111021094883		111006335997		111020446141		111020933211		111021046610		111021299074		111022111495		111022227913		111009550808		111022286164		111022409941		111023387751		111036156459		111023513829
111005464574		111006950599		111016920886		111022216591		111017246348		111018162425		111021098954		111006307750		111020446186		111020933248		111021046637		111021299199		111022111698		111022227943		111009523175		111022286193		111022409965		111023387772		111036183910		111023513848
111005541053		111006938179		111016920922		111022227528		111017246409		111018162509		111021103025		111006279502		111020446230		111020933284		111021046663		111021299323		111022111900		111022227973		111009495542		111022286222		111022409989		111023387794		111036211362		111023513867
111005450085		111006925759		111016920957		111022238465		111017246471		111018162592		111021107096		111006251255		111020446275		111020933320		111021046690		111021299447		111022112103		111022228003		111009467909		111022286252		111022410013		111023387815		111036238813		111023513886
111005828196		111006913339		111016920993		111022249402		111017246532		111018162676		111021111167		111006223007		111020446320		111020933357		111021046717		111021299571		111022112305		111022228032		111009440276		111022286281		111022410037		111023387837		111036266265		111023513905
111006253650		111006900918		111016921029		111022260340		111017246594		111018162760		111021115239		111006194760		111020446364		111020933393		111021046744		111021299696		111022112507		111022228062		111009412643		111022286311		111022410061		111023387858		111036293716		111023513923
111006253885		111006888498		111016921065		111022271277		111017246655		111018162843		111021119310		111006166513		111020446409		111020933429		111021046771		111021299820		111022112710		111022228092		111009385010		111022286340		111022410085		111023387880		111036321168		111023513942
111006253975		111006876078		111016921101		111022282214		111017246717		111018162927		111021123381		111006138265		111020446454		111020933466		111021046798		111021299944		111022112912		111022228122		111009357377		111022286369		111022410109		111023387901		111036348619		111023513961
111006254101		111006863658		111016921136		111022293152		111017246779		111018163010		111021127452		111006110018		111020446499		111020933502		111021046825		111021300068		111022113115		111022228151		111009329744		111022286399		111022410133		111023387923		111036376070		111023513980
111006254178		111006851238		111016921172		111022304089		111017246840		111018163094		111021131523		111006081770		111020446543		111020933538		111021046852		111021300192		111022113317		111022228181		111009302111		111022286428		111022410156		111023387944		111036403522		111023513999
111006254358		111006838818		111016921208		111022315026		111017246902		111018163178		111021135595		111006053523		111020446588		111020933575		111021046879		111021300317		111022113519		111022228211		111009274478		111022286458		111022410180		111023387966		111036430973		111023514018
111006254448		111006826398		111016921244		111022325964		111017246963		111018163261		111021139666		111006025276		111020446633		111020933611		111021046906		111021300441		111022113722		111022228241		111009246845		111022286487		111022410204		111023387988		111036458425		111023514037
111006254998		111006813977		111016921280		111022336901		111017247025		111018163345		111021143737		111005997028		111020446677		111020933647		111021046933		111021300565		111022113924		111022228271		111009219212		111022286516		111022410228		111023388009		111036485876		111023514056
111006255102		111006801557		111016921315		111022347838		111017247086		111018163429		111021147808		111005968781		111020446722		111020933684		111021046960		111021300689		111022114127		111022228300		111009191579		111022286546		111022410252		111023388031		111036513328		111023514075
111006258284		111006789137		111016921351		111022358776		111017247148		111018163512		111021151879		111005940533		111020446767		111020933720		111021046987		111021300814		111022114329		111022228330		111009163946		111022286575		111022410276		111023388052		111036540779		111023514094
111006258341		111006776717		111016921387		111022369713		111017247210		111018163596		111021155951		111005912286		111020446812		111020933756		111021047014		111021300938		111022114531		111022228360		111009136313		111022286605		111022410300		111023388074		111036568231		111023514113
111006258543		111006764297		111016921423		111022380650		111017247271		111018163679		111021160022		111005884039		111020446856		111020933793		111021047041		111021301062		111022114734		111022228390		111009108680		111022286634		111022410324		111023388095		111036595682		111023514131
111006258598		111006751877		111016921459		111022391588		111017247333		111018163763		111021164093		111005855791		111020446901		111020933829		111021047068		111021301186		111022114936		111022228419		111009081047		111022286663		111022410348		111023388117		111036623134		111023514150
111006258857		111006739457		111016921494		111022402525		111017247394		111018163847		111021168164		111005827544		111020446946		111020933865		111021047095		111021301310		111022115139		111022228449		111009053414		111022286693		111022410371		111023388138		111036650585		111023514169
111006259072		111006727036		111016921530		111022413462		111017247456		111018163930		111021172235		111005799296		111020446990		111020933902		111021047121		111021301435		111022115341		111022228479		111009025781		111022286722		111022410395		111023388160		111036678036		111023514188
111006259229		111006714616		111016921566		111022424399		111017247517		111018164014		111021176307		111005771049		111020447035		111020933938		111021047148		111021301559		111022115543		111022228509		111008998148		111022286752		111022410419		111023388181		111036705488		111023514207
111006259634		111006702196		111016921602		111022435337		111017247579		111018164098		111021180378		111005742802		111020447080		111020933974		111021047175		111021301683		111022115746		111022228538		111008970515		111022286781		111022410443		111023388203		111036732939		111023514226
111006260018		111006689776		111016921638		111022446274		111017247641		111018164181		111021184449		111005714554		111020447125		111020934011		111021047202		111021301807		111022115948		111022228568		111008942882		111022286810		111022410467		111023388224		111036760391		111023514245
111006260030		111006677356		111016921673		111022457211		111017247702		111018164265		111021188520		111005686307		111020447169		111020934047		111021047229		111021301932		111022116151		111022228598		111008915249		111022286840		111022410491		111023388246		111036787842		111023514264
111006260142		111006664936		111016921709		111022468149		111017247764		111018164348		111021192591		111005658059		111020447214		111020934083		111021047256		111021302056		111022116353		111022228628		111008887616		111022286869		111022410515		111023388267		111036815294		111023514283
111006260209

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SALE AND SERVICING AGREEMENT among GM FINANCIAL CONSUMER AUTOMOBILE RECEIVABLES TRUST 2020-1, Issuer, AFS SENSUB CORP., Seller, GM FINANCIAL, Servicer, and THE BANK OF NEW YORK MELLON, Trust Collateral Agent Dated as of January 15, 2020

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