# EDGAR Filing Document

**Accession Number:** 0001283434
**File Stem:** 0001193125-23-039804
**Filing Date:** 2023-2
**Character Count:** 184935
**Document Hash:** c4933151fd72be10b83bad72da67a5be
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-23-039804.hdr.sgml**: 20230215

**ACCESSION NUMBER**: 0001193125-23-039804

**CONFORMED SUBMISSION TYPE**: 10-D

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20230131

**FILED AS OF DATE**: 20230215

**DATE AS OF CHANGE**: 20230215

**ABS ASSET CLASS**: Credit card

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AMERICAN EXPRESS CREDIT ACCOUNT MASTER TRUST
- **CENTRAL INDEX KEY:** 0001003509
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-D
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-20787-07
- **FILM NUMBER:** 23633746

**BUSINESS ADDRESS:**
- **STREET 1:** 6985 UNION PARK CENTER
- **CITY:** MIDVALE
- **STATE:** UT
- **ZIP:** 84047
- **BUSINESS PHONE:** 8015655000

**MAIL ADDRESS:**
- **STREET 1:** 4315 SOUTH 2700 WEST
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84184
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AMERICAN EXPRESS RECEIVABLES FINANCING CORP III LLC
- **CENTRAL INDEX KEY:** 0001283434
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 000000000

**FILING VALUES:**
- **FORM TYPE:** 10-D
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-113579-02
- **FILM NUMBER:** 23633747

**BUSINESS ADDRESS:**
- **STREET 1:** 4135 SOUTH 2700 WEST
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84184
- **BUSINESS PHONE:** 8015655023

**MAIL ADDRESS:**
- **STREET 1:** 4135 SOUTH 2700 WEST
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84184

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

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**FORM 10-D**

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**ASSET-BACKED ISSUER DISTRIBUTION REPORT** 

**PURSUANT TO SECTION 13 OR 15(d) OF THE** 

**SECURITIES EXCHANGE ACT OF 1934** 

**For the monthly distribution period from** 

**January 1, 2023 through January 31, 2023** 

**Commission File Number of Issuing Entity: 000-20787-07** 

**Central Index Key Number of Issuing Entity: 0001003509**

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## AMERICAN EXPRESS CREDIT ACCOUNT MASTER TRUST
**(Exact name of Issuing Entity as specified in its charter)**

------

**Commission File Number of Depositor: 333-113579-02** 

**Central Index Key Number of Depositor: 0001283434** 

**American Express Receivables Financing Corporation III LLC** 

**(Exact name of Depositor as specified in its charter)** 

---

| | |
|:---|:---|
| **Delaware** | **20-0942395** |
| **(State or Other Jurisdiction of**<br> **Incorporation or Organization)** | **(I.R.S. Employer**<br> **Identification Number)** |

---

**115 W Towne Ridge Pkwy** 

**Room #454** 

**Sandy, Utah 84070** 

**(801) 945-5648** 

**(Address, including Zip Code, and Telephone Number, including Area Code, of the** 

**Depositor's Principal Executive Offices)** 

**N/A** 

**(Former Name or Former Address,** 

**if changed since last report)** 

**Central Index Key Number of Sponsor: 0000949348** 

**American Express National Bank** 

**(Exact Name of Sponsor as specified in its charter)** 

**James Zhou** 

**(212) 640-4967** 

**(Name and telephone number, including area code,** 

**of the person to contact in connection with this filing)** 

---

| | |
|:---|:---|
| **New York** | **N/A** |
| **(State or Other Jurisdiction of**<br> **Incorporation or Organization of the**<br> **Issuing Entity)** | **(I.R.S. Employer**<br> **Identification Number of the**<br> **Issuing Entity)** |
| **c/o The Bank of New York Mellon**<br> **240 Greenwich Street, New York** | **10286** |
| **(Address of the principal executive offices of the**<br> **Issuing Entity)** | **(Zip Code)** |

---

**212-815-6258** 

**(Telephone Number, including Area Code)** 

**N/A** 

**(Former Name or Former Address, if changed since last report)**

------

Each class of Asset Backed Certificates to which this report on Form 10-D relates is subject to the reporting requirements of Section 15(d) of the Securities Exchange Act of 1934.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☐ No ☐

Previously reported information omitted from this report:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Form on which**<br> **Previously Reported**<br> **Information was Filed** | **Commission File**<br> **Number** | **Central Index Key**<br> **Number** | **Filing Date** | **Date of the**<br> **Previously**<br> **Reported**<br> **Information** |
|  NA | NA | NA | NA | NA |

---

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**PART I - DISTRIUTION INFORMATION** 

Item 1. Distribution and Pool Performance Information.

The information required by Item 1121 of Regulation AB is contained in the distribution report attached hereto as Exhibit 99.01.

**PART II - OTHER INFORMATION** 

Item 7. Change in Sponsor Interest in the Securities.

The information regarding the interest retained to satisfy legal requirements regarding the credit risk retention rules of Regulation RR is provided in Item H of the distribution report attached hereto as Exhibit 99.01.

Item 10. Exhibits

---

| | |
|:---|:---|
| Exhibit No. | Description |
| 99.01 | [Monthly Servicer's Certificate for the Monthly Period ending January 31, 2023 and the February 15, 2023 Payment Date.](d447009dex9901.htm) |

---

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**SIGNATURE** 

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: February 15, 2023

---

| | |
|:---|:---|
| **American Express Receivables Financing Corporation III LLC,** | **American Express Receivables Financing Corporation III LLC,** |
| as Depositor of the Trust | as Depositor of the Trust |
| By: | /s/ Chen Wang |
| Name: | Chen Wang |
| Title: | President |

---

## Exhibit 99.01

**Exhibit 99.01** 

MONTHLY SERVICER'S CERTIFICATE

AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.

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AMERICAN EXPRESS CREDIT ACCOUNT MASTER TRUST

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The undersigned, a duly authorized representative of American Express Travel Related Services Company, Inc. ("<u>TRS</u>"), as Servicer pursuant to the Fourth Amended and Restated Pooling and Servicing Agreement, dated as of April 1, 2018 (as amended and restated and as otherwise amended and supplemented, the "<u>Pooling and Servicing Agreement</u>"), among TRS, American Express Receivables Financing Corporation III LLC, as transferor (the "<u>Transferor</u>"), and The Bank of New York Mellon, as trustee (the "<u>Trustee</u>"), does hereby certify as follows:

1. Capitalized terms used in this Certificate have their respective meanings as set forth in the Agreement or the
Series Supplements, as applicable.

2. TRS is, as of the date hereof, the Servicer under the Agreement.

3. The undersigned is a Servicing Officer.

4. This Certificate relates to the Distribution Date occurring on February 15, 2023 and covers activity from
January 01, 2023 through January 31, 2023.

5. As of the date hereof, to the best knowledge of the undersigned, the Servicer has performed in all material
respects all its obligations under the Agreement through the Monthly Period preceding such Distribution Date.

6. As of the date hereof, to the best knowledge of the undersigned, no Pay Out Event occurred on or prior to such
Distribution Date.

IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Certificate this 9th day of February.

---

| | |
|:---|:---|
| AMERICAN EXPRESS TRAVEL RELATED | AMERICAN EXPRESS TRAVEL RELATED |
| SERVICES COMPANY, INC., as Servicer | SERVICES COMPANY, INC., as Servicer |
| By: | /s/ Chaya E. Segal |
| Name: | Chaya E. Segal |
| Title: | Director, ABS Operations |

---

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**A.** **Trust Activity** 

---

| | |
|:---|:---|
|  | Trust Totals |
|  Record Date | January 31, 2023 |
|  Number of days in Monthly Period | 31 |
|  Beginning Number of Accounts | 15300615 |
|  Beginning Principal Receivable Balance, including any |  |
|  Additions, Removals, or Adjustments of Principal |  |
|  Receivables during the Monthly Period | 27231196692.93 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Addition of Principal Receivables | 0.00 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Removal of Principal Receivables | 0.00 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Adjustments to Principal Receivables | 0.00 |
|  Special Funding Account Balance | 0.00 |
|  Beginning Total Principal Balance | 27231196692.93 |
|  Finance Charge Collections (excluding Recoveries) | 685157570.75 |
|  Collections of Discount Option Receivables | 0.00 |
|  Recoveries | 10908554.21 |
|  Total Collections of Finance Charge Receivables | 696066124.96 |
|  Total Collections of Principal Receivables | 13395708441.36 |
|  Monthly Payment Rate | 47.6057% |
|  Defaulted Amount | 31956630.33 |
|  Annualized Default Rate | 1.4405% |
|  Annualized Default Rate, Net of Recoveries | 0.9488% |
|  Trust Portfolio Yield | 28.7147% |
|  New Principal Receivables | 12316142318.66 |
|  Ending Number of Accounts | 15294398 |
|  Ending Principal Receivables Balance | 26119673939.90 |
|  Ending Required Minimum Principal Balance | 15453531710.00 |
|  Ending Transferor Amount | 11677120939.90 |
|  Ending Special Funding Account Balance | 0.00 |
|  Ending Total Principal Balance | 26119673939.90 |
|  Ending Total Receivables | 27379908180.27 |

---

------

**B.** **Series Allocations** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Invested**<br> **Amount** | **Adjusted**<br> **Invested**<br> **Amount** | **Principal<br>Funding<br>Account<br>Balance** | **Series**<br> **Required<br>Transferor**<br> **Amount** | **Series<br>Allocation<br>Percentage** | **Series**<br> **Allocable**<br> **Finance Charge<br>Collections** | **Series**<br> **Allocable<br>Recoveries** | **Series**<br> **Allocable**<br> **Principal**<br> **Collections** | **Series**<br> **Allocable<br>Defaulted<br>Amount** |
|  **Group 1** |  |  |  |  |  |  |  |  |  |
| 2018-2 | 571430000.00 | 571430000.00 | 0.00 | 40000100.00 | 3.96% | 27540357.01 | 431604.80 | 530010841.90 | 1264387.07 |
| 2021-1 | 3142859000.00 | 3142859000.00 | 0.00 | 220000130.00 | 21.76% | 151471674.39 | 2373821.84 | 2915054065.32 | 6954115.61 |
| 2022-1 | 1428574000.00 | 1428574000.00 | 0.00 | 100000180.00 | 9.89% | 68850844.33 | 1079011.23 | 1325026177.22 | 3160965.46 |
| 2022-2 | 3142859000.00 | 3142859000.00 | 0.00 | 220000130.00 | 21.76% | 151471674.39 | 2373821.84 | 2915054065.32 | 6954115.61 |
| 2022-3 | 2571435000.00 | 2571435000.00 | 0.00 | 180000450.00 | 17.80% | 123931606.55 | 1942221.58 | 2385048788.53 | 5689741.81 |
| 2022-4 | 1142859000.00 | 1142859000.00 | 0.00 | 80000130.00 | 7.91% | 55080665.83 | 863208.84 | 1060020756.27 | 2528771.93 |
|  Total | 12000016000.00 | 12000016000.00 | 0.00 | 840001120.00 | 83.09% | 578346822.50 | 9063690.13 | 11130214694.56 | 26552097.49 |
|  **Group 2** |  |  |  |  |  |  |  |  |  |
|  2012-A | 0.00 | 0.00 | 0.00 | 0.00 | 0.00% | 0.00 | 0.00 | 0.00 | 0.00 |
| 2018-3 | 574715000.00 | 574715000.00 | 0.00 | 40230050.00 | 3.98% | 27698679.24 | 434085.98 | 533057734.11 | 1271655.70 |
| 2018-5 | 689656000.00 | 689656000.00 | 0.00 | 48275920.00 | 4.78% | 33238318.70 | 520901.66 | 639667425.89 | 1525982.41 |
| 2018-7 | 603451000.00 | 603451000.00 | 0.00 | 42241570.00 | 4.18% | 29083625.25 | 455790.46 | 559710852.69 | 1335239.03 |
| 2018-9 | 574715000.00 | 574715000.00 | 0.00 | 40230050.00 | 3.98% | 27698679.24 | 434085.98 | 533057734.11 | 1271655.70 |
|  Total | 2442537000.00 | 2442537000.00 | 0.00 | 170977590.00 | 16.91% | 117719302.43 | 1844864.08 | 2265493746.80 | 5404532.84 |
|  Trust | 14442553000.00 | 14442553000.00 | 0.00 | 1010978710.00 | 100.00% | 696066124.93 | 10908554.21 | 13395708441.36 | 31956630.33 |

---

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**C.** **Group Allocations** 

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Invested**<br> **Amount** | **Investor**<br> **Finance**<br> **Charge**<br> **Collections** | **Investor**<br> **Monthly**<br> **Interest** | **Investor**<br> **Default**<br> **Amount** | **Investor**<br> **Monthly**<br> **Fees** | **Investor**<br> **Additional**<br> **Amounts** | **Total** | **Reallocated**<br> **Investor Finance**<br> **Charge**<br> **Collections** | **Investment**<br> **Funding**<br> **Account**<br> **Proceeds** | **Available**<br> **Excess** |
|  **Group 1** |  |  |  |  |  |  |  |  |  |  |
| 2018-2 | 571430000.00 | 14606521.71 | 1392621.82 | 670590.33 | 952383.33 | 0.00 | 3015595.48 | 14589108.69 | 0.00 | 11573513.21 |
| 2021-1 | 3142859000.00 | 80335716.06 | 2805986.35 | 3688239.79 | 5238098.33 | 0.00 | 11732324.47 | 75386525.60 | 0.00 | 63654201.13 |
| 2022-1 | 1428574000.00 | 36516278.72 | 2759232.24 | 1676474.66 | 2380956.66 | 0.00 | 6816663.56 | 35750426.33 | 0.00 | 28933762.77 |
| 2022-2 | 3142859000.00 | 80335716.06 | 9315632.80 | 3688239.79 | 5238098.33 | 0.00 | 18241970.92 | 81896172.05 | 0.00 | 63654201.13 |
| 2022-3 | 2571435000.00 | 65729347.71 | 8444761.94 | 3017656.50 | 4285725.00 | 0.00 | 15748143.44 | 67828952.88 | 0.00 | 52080809.44 |
| 2022-4 | 1142859000.00 | 29213017.87 | 4892461.92 | 1341179.49 | 1904765.00 | 0.00 | 8138406.41 | 31285412.58 | 0.00 | 23147006.17 |
|  Total | 12000016000.00 | 306736598.13 | 29610697.07 | 14082380.56 | 20000026.65 | 0.00 | 63693104.28 | 306736598.13 | 0.00 | 243043493.85 |
|  **Group 2** |  |  |  |  |  |  |  |  |  |  |
|  2012-A | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 2018-3 | 574715000.00 | 14690490.74 | 2154201.11 | 674445.38 | 957858.33 | 0.00 | 3786504.82 | 14674447.43 | 0.00 | 10887942.61 |
| 2018-5 | 689656000.00 | 17628537.77 | 2597411.49 | 809332.11 | 1149426.67 | 0.00 | 4556170.27 | 17621663.51 | 0.00 | 13065493.24 |
| 2018-7 | 603451000.00 | 15425021.67 | 2284674.30 | 708167.94 | 1005751.66 | 0.00 | 3998593.90 | 15430938.37 | 0.00 | 11432344.47 |
| 2018-9 | 574715000.00 | 14690490.74 | 2187245.29 | 674445.38 | 957858.33 | 0.00 | 3819549.00 | 14707491.61 | 0.00 | 10887942.61 |
|  Total | 2442537000.00 | 62434540.92 | 9223532.19 | 2866390.81 | 4070894.99 | 0.00 | 16160817.99 | 62434540.92 | 0.00 | 46273722.93 |
|  Trust Total | 14442553000.00 | 369171139.05 | 38834229.26 | 16948771.37 | 24070921.64 | 0.00 | 79853922.27 | 369171139.05 | 0.00 | 289317216.78 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Group Investor Finance<br>Charge Collections** | **Group Investor Finance<br>Charge Collections** | **Group Expenses** | **Group Expenses** | **Group Reallocable Investor<br>Finance Charge Collections** | **Group Reallocable Investor<br>Finance Charge Collections** |
|  Group 1 |  | 306736598.13 |  | 63693104.28 |  | 243043493.85 |
|  Group 2 |  | 62434540.92 |  | 16160817.99 |  | 46273722.93 |

---

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**D.** **Trust Performance** 

Delinquencies: (a)

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | Dollar Amount | Percentage of Ending Total<br>Receivables | Number of Accounts | Percentage of Total<br>Number of Accounts |
|  31-60 Days Delinquent | 55082887 | 0.20% | 7842 | 0.05% |
|  61-90 Days Delinquent | 38687892 | 0.14% | 4736 | 0.03% |
|  91-120 Days Delinquent | 30442910 | 0.11% | 3519 | 0.02% |
|  120+ Days Delinquent | 44231195 | 0.16% | 4951 | 0.03% |
|  Total 30+ Days Delinquent | 168444885 | 0.62% | 21048 | 0.14% |

---

Loss Experience:

---

| | |
|:---|:---|
|  Ending Principal Receivables Balance | 26119673939.9 |
|  Defaulted Amount | 31956630.33 |
|  Recoveries | 10908554.21 |
|  Net Default Amount | 21048076.12 |
|  Annualized Default Rate | 1.44% |
|  Annualized Recovery Rate | 0.49% |
|  Annualized Default Rate, Net of Recoveries | 0.95% |
|  Number of Accounts Experiencing a Loss | 6321.0 |
|  Number of Accounts Experiencing a Recovery | 21970.0 |
|  Average Net Default Amount per Account Experiencing a Loss | 3329.86 |

---

**E.** **Repurchases and Replacements** 

Information required by Rule 15Ga-1(a) concerning the Trust:

No activity to report for reporting period.

Most recent Form ABS-15G:

Form ABS-15G filed on Feb 08, 2023 under CIK number 0001283434

**F.** **Asset Review** 

Information required by Item 1121(d)(1) of Regulation AB concerning the Trust:

No activity to report for reporting period.

Information required by Item 1121(d)(2) of Regulation AB concerning the Trust:

There has been no change to the Asset Representation Reviewer during the reporting period.

------

**G.** **Investor Communication** 

Information required by Item 1121(e) of Regulation AB concerning the Trust:

No activity to report for reporting period.

**H.** **Credit Risk Retention (5)** 

---

| | | |
|:---|:---|:---|
|  | As of the last day of the<br>Monthly Period | As of the last day of the<br>Prior Monthly Period |
|  Required Seller's Interest Amount | 648692950.00 | 648692950.00 |
|  Seller's Interest Amount | 11677120939.90 | 12788643692.93 |
|  Seller's Interest Percentage | 90.00% | 98.57% |

---

(5) Only applies on or after the date compliance with respect to Regulation RR is required

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**Series 2012-A Certificates** 

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| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors'<br>Interest** | |
|  Beginning Invested Amount/Transferor Amount | 0.00 | 0.00 | 0.00 |  |
|  Beginning Adjusted Invested Amount | N/A | 0.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 0.0000% | 100.0000% |  |
|  Principal Allocation Percentage | N/A | 0.0000% | 100.0000% |  |
|  Collections of Finance Charge Receivables | 0.00 | 0.00 | 0.00 |  |
|  Collections of Principal Receivables | 0.00 | 0.00 | 0.00 |  |
|  Defaulted Amount | 0.00 | 0.00 | 0.00 |  |
|  Ending Invested Amount / Transferor Amount | 0.00 | 0.00 | 0.00 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account Withdrawals on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  LIBOR Determination Date | N/A | N/A | N/A |  |
|  Increase LIBOR Determination Date | N/A | N/A | N/A |  |
|  Coupon (1/17/23 to 2/14/23) | N/A | N/A | N/A |  |
|  Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investor Default Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investor Monthly Fees Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Transaction Costs (not included in Monthly Interest) | 0.00 | 0.00 |  | 0.00 |
|  Total Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 0.00 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 0.0000% |
|  Base Rate |  |  |  | 0.0000% |
|  Excess Spread Percentage |  |  |  | 0.0000% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Invested Amount Increases | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Interest | 0.00 | 0.00 | 0.00 | 0.00 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 0.00 | 0.00 | 0.00 | 0.00 |
|  Ending Certificates Balance | 0.00 | 0.00 | 0.00 | 0.00 |

---

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| | | | |
|:---|:---|:---|:---|
| D. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 certificate principal amount. |  |
|  | 1. | The total amount of the distribution: | $0.00 |
|  | 2. | The amount of the distribution in respect of Class A Monthly Interest: | $0.00 |
|  | 3. | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | 4. | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | 5. | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
|  | 6. | The amount of the distribution in respect of Class A Additional Transaction Costs (not included in Class A Monthly Interest): | $0.00 |
| E. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | 1. | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | 2. | The amount of Class A Investor Charge-Offs per $1,000 certificate principal amount: | $0.00 |
|  | 3. | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | 4. | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 certificate principal amount: | $0.00 |
|  | 5. | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F. | Information regarding distributions in respect of the Class B Certificates per $1,000 certificate principal amount. | Information regarding distributions in respect of the Class B Certificates per $1,000 certificate principal amount. |  |
|  | 1. | The total amount of the distribution in respect of Class B Certificates: | $0.00 |
|  | 2. | The amount of the distribution in respect of Class B Monthly Interest: | $0.00 |
|  | 3. | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | 4. | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | 5. | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |
|  | 6. | The amount of the distribution in respect of Class B Additional Transaction Costs (not included in Class B Monthly Interest): | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G. | Amount of reductions in Class B Invested Amount pursuant to clauses (d), (e), and (f) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (d), (e), and (f) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | 1. | The amount of reductions in Class B Invested Amount pursuant to clauses (d), (e), and (f) of the definition of Class B Invested Amount: | $0.00 |
|  | 2. | The amount of the reductions in the Class B Invested Amount per $1,000 certificate principal amount: | $0.00 |
|  | 3. | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | 4. | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 certificate principal amount: | $0.00 |
|  | 5. | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | 1. | The total amount distributed to the Collateral Interest Holder: | $0.00 |
|  | 2. | The amount of the distribution in respect of Collateral Minimum Monthly Interest (including in respect of Collateral Senior Minimum Monthly Interest): | $0.00 |
|  | 3. | The amount of the distribution in respect of Collateral Senior Additional Interest (including in respect of Collateral Senior Minimum Monthly Interest: | $0.00 |
|  | 4. | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | 5. | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $0.00 |
| I. | Amount of reductions in Collateral Invested Amount pursuant to clauses (d), (e), and (f) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (d), (e), and (f) of the definition of Collateral Invested Amount. |  |
|  | 1. | The amount of reductions in the Collateral Invested Amount pursuant to clauses (d), (e), and (f) of the definition of Collateral Invested Amount: | $0.00 |
|  | 2. | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $0.00 |
|  |  | a. | Class A Monthly Interest | $0.00 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $0.00 |
|  |  | e. | Excess Spread | $0.00 |
|  | 2. | Class B Available Funds | Class B Available Funds | $0.00 |
|  |  | a. | Class B Monthly Interest | $0.00 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $0.00 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $0.00 |
|  |  | a. | Excess Spread | $0.00 |
|  | 4. | Total Excess Spread | Total Excess Spread | $0.00 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 0.0000% |
|  | 2. | Series 2012-A Allocable Principal Collections | Series 2012-A Allocable Principal Collections | $0.00 |
|  | 3. | Principal Allocation Percentage of Series 2012-A Allocable Principal Collections | Principal Allocation Percentage of Series 2012-A Allocable Principal Collections | $0.00 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $0.00 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2012-A | Shared Principal Collections from other Series allocated to Series 2012-A | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections | Other amounts treated as Available Principal Collections | $0.00 |
|  | 8. | Available Principal Collections (total of items 5, 6 & 7) | Available Principal Collections (total of items 5, 6 & 7) | $0.00 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $0.00 |
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $0.00 |

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------

---

| | | | |
|:---|:---|:---|:---|
| N. | Application of Excess Spread, Excess Finance Charge Collections and Available Interest Reserve Account Amount Allocated to Series 2012-A | Application of Excess Spread, Excess Finance Charge Collections and Available Interest Reserve Account Amount Allocated to Series 2012-A |  |
|  | 1. | Excess Spread | $0.00 |
|  | 2. | Excess Finance Charge Collections | $0.00 |
|  | 3. | Available Interest Reserve Account Amount | $0.00 |
|  | 4. | Applied to fund Class A Required Amount | $0.00 |
|  | 5. | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 6. | Applied to fund overdue Class B Interest | $0.00 |
|  | 7. | Applied to fund Class B Required Amount | $0.00 |
|  | 8. | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 9. | Applied to Collateral Senior Minimum Monthly Interest | $0.00 |
|  | 10. | Applied to unpaid Monthly Servicing Fee | $0.00 |
|  | 11. | Collateral Default Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 13. | Deposited to Reserve Account | $0.00 |
|  | 14. | Applied to pay Class A Additional Transaction Costs (not included in Class A Monthly Interest) | $0.00 |
|  | 15. | Applied to pay Class B Additional Transaction Costs (not included in Class B Monthly Interest) | $0.00 |
|  | 16. | Applied to any remaining Collateral Minimum Monthly Interest | $0.00 |
|  | 17. | (a) Prior to a Note Trust Transfer, remaining Excess Spread applied as Excess Finance Charge Collections | $0.00 |
|  |  | (b) Prior to a Note Trust Transfer, remaining Excess Spread distributed to the holders of the Transferor Certificates | $0.00 |
|  | 18. | Available Excess Overpayment Account Amount distributed to Collateral Interest Holder | $0.00 |
| O. | Funding of Interest Reserve Account on Interest Reserve Account Funding Date (if applicable) | Funding of Interest Reserve Account on Interest Reserve Account Funding Date (if applicable) |  |
|  | 1. | Interest Reserve Account Opening Balance | $0.00 |
|  | 2. | Excess of Excess Finance Charge Collections over aggregate Finance Charge Shortfalls | $0.00 |
|  | 3. | Deposited to Interest Reserve Account | $0.00 |
|  | 4. | Remaining Excess Finance Charge Collections distributed to the holders of the Transferor Certificates | $0.00 |
| P. | Funding of Excess Overpayment Account Amount | Funding of Excess Overpayment Account Amount |  |
|  | 1. | Excess Overpayment Account Opening Balance | $0.00 |
|  | 2. | Amount deposited into Excess Overpayment Account in respect of Class A Certificates | $0.00 |
|  | 3. | Amount deposited into Excess Overpayment Account in respect of Class B Certificates | $0.00 |
|  | 4. | Remaining Excess Finance Charge Collections distributed to the holders of the Transferor Certificates | $0.00 |
|  | 5. | Available Excess Overpayment Account Amount distributed to the Collateral Interest Holder | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| Q. | Yield and Base Rate | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate | Base Rate |  |
|  |  | a. | Current Monthly Period | N/A |
|  |  | b. | Prior Monthly Period | N/A |
|  |  | c. | Second Prior Monthly Period | 6.6734% |
|  | 2. | Three Month Average Base Rate | Three Month Average Base Rate | N/A |
|  | 3. | Series Adjusted Portfolio Yield | Series Adjusted Portfolio Yield |  |
|  |  | a. | Current Monthly Period | N/A |
|  |  | b. | Prior Monthly Period | N/A |
|  |  | c. | Second Prior Monthly Period | 29.4528% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | Three Month average Series Adjusted Portfolio Yield | N/A |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average base rate? | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average base rate? | N/A |
| R. | Reassignment Amount | Reassignment Amount | Reassignment Amount |  |
|  | 1. | Adjusted Invested Amount | Adjusted Invested Amount | 0.00 |
|  | 2. | Monthly Interest | Monthly Interest | 0.00 |
|  | 3. | Monthly Interest previously due but not paid | Monthly Interest previously due but not paid | 0.00 |
|  | 4. | Additional Interest | Additional Interest | 0.00 |
|  | 5. | Additional Interest previously due but not paid | Additional Interest previously due but not paid | 0.00 |
|  | 6. | Reassignment Amount | Reassignment Amount | 0.00 |

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------

**Series 2018-2 Certificates** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series**<br>**Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 1077421888.38 | 571430000.00 | 505991888.38 |  |
|  Beginning Adjusted Invested Amount | N/A | 571430000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 27540357.01 | 14606521.71 | 12933835.30 |  |
|  Collections of Principal Receivables | 530010841.90 | 281100744.89 | 248910097.01 |  |
|  Defaulted Amount | 1264387.07 | 670590.33 | 593796.74 |  |
|  Ending Invested Amount / Transferor Amount | 1033443690.98 | 571430000.00 | 462013690.98 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 2500000.00 | 0.00 | 0.00 | 2500000.00 |
|  Reserve Account Opening Balance | 2500000.00 | 0.00 | 0.00 | 2500000.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 2500000.00 | 0.00 | 0.00 | 2500000.00 |
|  LIBOR Determination Date | N/A | N/A | N/A |  |
|  Coupon January 17, 2023 to February 14, 2023 | 3.01000% | 3.18000% | 3.43000% |  |
|  Monthly Interest Due | 1254166.67 | 56786.85 | 81668.30 | 1392621.82 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 1254166.67 | 56786.85 | 81668.30 | 1392621.82 |
|  Investor Default Amount | 586765.07 | 25147.58 | 58677.68 | 670590.33 |
|  Investor Monthly Fees Due | 833333.33 | 35715.00 | 83335.00 | 952383.33 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 2674265.07 | 117649.43 | 223680.98 | 3015595.48 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 14589108.69 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 28.6788% |
|  Base Rate |  |  |  | 5.1651% |
|  Excess Spread Percentage |  |  |  | 24.3043% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 500000000.00 | 21429000.00 | 50001000.00 | 571430000.00 |
|  Distributions of Interest | 1254166.67 | 56786.85 | 81668.30 | 1392621.82 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 1254166.67 | 56786.85 | 81668.30 | 1392621.82 |
|  Ending Certificates Balance | 500000000.00 | 21429000.00 | 50001000.00 | 571430000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $2.51 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $2.51 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $2.65 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $2.65 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $11655181.51 |
|  | (2) | The amount of the distribution in respect of Collateral Senior Minimum Monthly Interest: | $81668.30 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest: | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $11573513.21 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $12765438.19 |
|  |  | a. | Class A Monthly Interest | $1254166.67 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $586765.07 |
|  |  | e. | Excess Spread | $10924506.45 |
|  | 2. | Class B Available Funds | Class B Available Funds | $547101.15 |
|  |  | a. | Class B Monthly Interest | $56786.85 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $490314.30 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $1276569.35 |
|  |  | a. | Excess Spread | $1276569.35 |
|  | 4. | Total Excess Spread | Total Excess Spread | $12691390.10 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2018-2 Allocable Principal Collections | Series 2018-2 Allocable Principal Collections | $530010841.90 |
|  | 3. | Principal Allocation Percentage of Series 2018-2 Allocable Principal Collections | Principal Allocation Percentage of Series 2018-2 Allocable Principal Collections | $281100744.89 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $281100744.89 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2018-2 | Shared Principal Collections from other Series allocated to Series 2018-2 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $670590.33 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $281771335.22 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $50001000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $50001000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $281771335.22 |

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| | | | |
|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | $0.00 |
| N. | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-2 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-2 |  |
|  | 1. | Excess Spread | $12691390.10 |
|  | 2. | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | $25147.58 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | $81668.30 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | $952383.33 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | $58677.68 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | $0.00 |
|  | 13. | Remaining Excess Spread distributed to Collateral Interest Holder(s) | $11573513.21 |
| O. | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate |  |
|  |  | Current Monthly Period | 5.1651% |
|  |  | Prior Monthly Period | 4.5390% |
|  |  | Second Prior Monthly Period | 4.9929% |
|  | 2. | Three Month Average Base Rate | 4.8990% |
|  | 3. | Series Adjusted Portfolio Yield |  |
|  |  | Current Monthly Period | 28.6788% |
|  |  | Prior Monthly Period | 28.2541% |
|  |  | Second Prior Monthly Period | 28.7566% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | 28.5632% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | $571430000.00 |
|  |  | Monthly Interest | $1498516.80 |
|  |  | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | $572928516.80 |

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**Series 2018-3 Certificates** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 1083615701.97 | 574715000.00 | 508900701.97 |  |
|  Beginning Adjusted Invested Amount | N/A | 574715000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 27698679.24 | 14690490.74 | 13008188.50 |  |
|  Collections of Principal Receivables | 533057734.11 | 282716718.76 | 250341015.35 |  |
|  Defaulted Amount | 1271655.70 | 674445.38 | 597210.32 |  |
|  Ending Invested Amount / Transferor Amount | 1039384685.54 | 574715000.00 | 464669685.54 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 2500000.00 | 0.00 | 0.00 | 2500000.00 |
|  Reserve Account Opening Balance | 2500000.00 | 0.00 | 0.00 | 2500000.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 2500000.00 | 0.00 | 0.00 | 2500000.00 |
|  LIBOR Determination Date | January 13, 2023 | January 13, 2023 | January 13, 2023 |  |
|  Coupon January 17, 2023 to February 14, 2023 | 4.77443% | 4.95443% | 5.20443% |  |
|  Monthly Interest Due | 1923034.31 | 74549.17 | 156617.63 | 2154201.11 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 1923034.31 | 74549.17 | 156617.63 | 2154201.11 |
|  Investor Default Amount | 586765.07 | 21920.37 | 65759.94 | 674445.38 |
|  Investor Monthly Fees Due | 833333.33 | 31131.67 | 93393.33 | 957858.33 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 3343132.71 | 127601.21 | 315770.90 | 3786504.82 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 14674447.43 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 28.6818% |
|  Base Rate |  |  |  | 6.8154% |
|  Excess Spread Percentage |  |  |  | 22.7339% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 500000000.00 | 18679000.00 | 56036000.00 | 574715000.00 |
|  Distributions of Interest | 1923034.31 | 74549.17 | 156617.63 | 2154201.11 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 1923034.31 | 74549.17 | 156617.63 | 2154201.11 |
|  Ending Certificates Balance | 500000000.00 | 18679000.00 | 56036000.00 | 574715000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $3.85 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $3.85 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $3.99 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $3.99 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $11044560.24 |
|  | (2) | The amount of the distribution in respect of Collateral Senior Minimum Monthly Interest: | $156617.63 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest: | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $10887942.61 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $12766716.92 |
|  |  | a. | Class A Monthly Interest | $1923034.31 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $586765.07 |
|  |  | e. | Excess Spread | $10256917.54 |
|  | 2. | Class B Available Funds | Class B Available Funds | $476939.01 |
|  |  | a. | Class B Monthly Interest | $74549.17 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $402389.84 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $1430791.50 |
|  |  | a. | Excess Spread | $1430791.50 |
|  | 4. | Total Excess Spread | Total Excess Spread | $12090098.88 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2018-3 Allocable Principal Collections | Series 2018-3 Allocable Principal Collections | $533057734.11 |
|  | 3. | Principal Allocation Percentage of Series 2018-3 Allocable Principal Collections | Principal Allocation Percentage of Series 2018-3 Allocable Principal Collections | $282716718.76 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $282716718.76 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2018-3 | Shared Principal Collections from other Series allocated to Series 2018-3 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $674445.38 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $283391164.14 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $56036000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $56036000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $283391164.14 |

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| | | | |
|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | $0.00 |
| N. | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-3 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-3 |  |
|  | 1. | Excess Spread | $12090098.88 |
|  | 2. | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | $21920.37 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | $156617.63 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | $957858.33 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | $65759.94 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | $0.00 |
|  | 13. | Remaining Excess Spread distributed to Collateral Interest Holder(s) | $10887942.61 |
| O. | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate |  |
|  |  | Current Monthly Period | 6.8154% |
|  |  | Prior Monthly Period | 6.4271% |
|  |  | Second Prior Monthly Period | 6.1774% |
|  | 2. | Three Month Average Base Rate | 6.4733% |
|  | 3. | Series Adjusted Portfolio Yield |  |
|  |  | Current Monthly Period | 28.6818% |
|  |  | Prior Monthly Period | 28.2526% |
|  |  | Second Prior Monthly Period | 28.9567% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | 28.6304% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | $574715000.00 |
|  |  | Monthly Interest | $2270129.45 |
|  |  | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | $576985129.45 |

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**Series 2018-5 Certificates** 

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| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 1300335071.40 | 689656000.00 | 610679071.40 |  |
|  Beginning Adjusted Invested Amount | N/A | 689656000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 33238318.70 | 17628537.77 | 15609780.93 |  |
|  Collections of Principal Receivables | 639667425.89 | 339259078.66 | 300408347.23 |  |
|  Defaulted Amount | 1525982.41 | 809332.11 | 716650.30 |  |
|  Ending Invested Amount / Transferor Amount | 1247258005.61 | 689656000.00 | 557602005.61 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 3000000.00 | 0.00 | 0.00 | 3000000.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 3000000.00 | 0.00 | 0.00 | 3000000.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 3000000.00 | 0.00 | 0.00 | 3000000.00 |
|  LIBOR Determination Date | January 13, 2023 | January 13, 2023 | January 13, 2023 |  |
|  Coupon January 17, 2023 to February 14, 2023 | 4.79443% | 5.00443% | 5.25443% |  |
|  Monthly Interest Due | 2317307.83 | 90358.60 | 189745.06 | 2597411.49 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 2317307.83 | 90358.60 | 189745.06 | 2597411.49 |
|  Investor Default Amount | 704118.10 | 26303.50 | 78910.51 | 809332.11 |
|  Investor Monthly Fees Due | 1000000.00 | 37356.67 | 112070.00 | 1149426.67 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 4021425.93 | 154018.77 | 380725.57 | 4556170.27 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 17621663.51 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 28.7030% |
|  Base Rate |  |  |  | 6.8380% |
|  Excess Spread Percentage |  |  |  | 22.7339% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 600000000.00 | 22414000.00 | 67242000.00 | 689656000.00 |
|  Distributions of Interest | 2317307.83 | 90358.60 | 189745.06 | 2597411.49 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 2317307.83 | 90358.60 | 189745.06 | 2597411.49 |
|  Ending Certificates Balance | 600000000.00 | 22414000.00 | 67242000.00 | 689656000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $3.86 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $3.86 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $4.03 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $4.03 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $10255238.30 |
|  | (2) | The amount of the distribution in respect of Collateral Senior Minimum Monthly Interest: | $189745.06 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest: | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $10065493.24 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $15330828.86 |
|  |  | a. | Class A Monthly Interest | $2317307.83 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $704118.10 |
|  |  | e. | Excess Spread | $12309402.93 |
|  | 2. | Class B Available Funds | Class B Available Funds | $572708.66 |
|  |  | a. | Class B Monthly Interest | $90358.60 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $482350.06 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $1718125.99 |
|  |  | a. | Excess Spread | $1718125.99 |
|  | 4. | Total Excess Spread | Total Excess Spread | $14509878.98 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2018-5 Allocable Principal Collections | Series 2018-5 Allocable Principal Collections | $639667425.89 |
|  | 3. | Principal Allocation Percentage of Series 2018-5 Allocable Principal Collections | Principal Allocation Percentage of Series 2018-5 Allocable Principal Collections | $339259078.66 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $339259078.66 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2018-5 | Shared Principal Collections from other Series allocated to Series 2018-5 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $809332.11 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $340068410.77 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $67242000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $67242000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $340068410.77 |

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| | | | |
|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | $0.00 |
| N. | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-5 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-5 |  |
|  | 1. | Excess Spread | $14509878.98 |
|  | 2. | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | $26303.50 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | $189745.06 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | $1149426.67 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | $78910.51 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | $3000000.00 |
|  | 13. | Remaining Excess Spread distributed to Collateral Interest Holder(s) | $10065493.24 |
| O. | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate |  |
|  |  | Current Monthly Period | 6.8380% |
|  |  | Prior Monthly Period | 6.4497% |
|  |  | Second Prior Monthly Period | 6.1999% |
|  | 2. | Three Month Average Base Rate | 6.4959% |
|  | 3. | Series Adjusted Portfolio Yield |  |
|  |  | Current Monthly Period | 28.7030% |
|  |  | Prior Monthly Period | 28.2766% |
|  |  | Second Prior Monthly Period | 28.9793% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | 28.6530% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | $689656000.00 |
|  |  | Monthly Interest | $2741034.47 |
|  |  | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | $692397034.47 |

---

------

**Series 2018-7 Certificates** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 1137796958.44 | 603451000.00 | 534345958.44 |  |
|  Beginning Adjusted Invested Amount | N/A | 603451000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 29083625.25 | 15425021.67 | 13658603.58 |  |
|  Collections of Principal Receivables | 559710852.69 | 296852677.68 | 262858175.01 |  |
|  Defaulted Amount | 1335239.03 | 708167.94 | 627071.09 |  |
|  Ending Invested Amount / Transferor Amount | 1091354371.95 | 603451000.00 | 487903371.95 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  LIBOR Determination Date | January 13, 2023 | January 13, 2023 | January 13, 2023 |  |
|  Coupon January 17, 2023 to February 14, 2023 | 4.81443% | 5.02443% | 5.35443% |  |
|  Monthly Interest Due | 2036102.69 | 79382.78 | 169188.83 | 2284674.30 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 2036102.69 | 79382.78 | 169188.83 | 2284674.30 |
|  Investor Default Amount | 616103.32 | 23016.45 | 69048.17 | 708167.94 |
|  Investor Monthly Fees Due | 875000.00 | 32688.33 | 98063.33 | 1005751.66 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 3527206.01 | 135087.56 | 336300.33 | 3998593.90 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 15430938.37 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 28.7262% |
|  Base Rate |  |  |  | 6.8629% |
|  Excess Spread Percentage |  |  |  | 22.7339% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 525000000.00 | 19613000.00 | 58838000.00 | 603451000.00 |
|  Distributions of Interest | 2036102.69 | 79382.78 | 169188.83 | 2284674.30 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 2036102.69 | 79382.78 | 169188.83 | 2284674.30 |
|  Ending Certificates Balance | 525000000.00 | 19613000.00 | 58838000.00 | 603451000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $3.88 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $3.88 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $4.05 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $4.05 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $11601533.30 |
|  | (2) | The amount of the distribution in respect of Collateral Senior Minimum Monthly Interest: | $169188.83 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest: | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $11432344.47 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $13424855.78 |
|  |  | a. | Class A Monthly Interest | $2036102.69 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $616103.32 |
|  |  | e. | Excess Spread | $10772649.77 |
|  | 2. | Class B Available Funds | Class B Available Funds | $501527.04 |
|  |  | a. | Class B Monthly Interest | $79382.78 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $422144.26 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $1504555.55 |
|  |  | a. | Excess Spread | $1504555.55 |
|  | 4. | Total Excess Spread | Total Excess Spread | $12699349.58 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2018-7 Allocable Principal Collections | Series 2018-7 Allocable Principal Collections | $559710852.69 |
|  | 3. | Principal Allocation Percentage of Series 2018-7 Allocable Principal Collections | Principal Allocation Percentage of Series 2018-7 Allocable Principal Collections | $296852677.68 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $296852677.68 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2018-7 | Shared Principal Collections from other Series allocated to Series 2018-7 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $708167.94 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $297560845.62 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $58838000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $58838000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $297560845.62 |

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| | | | |
|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | $0.00 |
| N. | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-7 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-7 |  |
|  | 1. | Excess Spread | $12699349.58 |
|  | 2. | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | $23016.45 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | $169188.83 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | $1005751.66 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | $69048.17 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | $0.00 |
|  | 13. | Remaining Excess Spread distributed to Collateral Interest Holder(s) | $11432344.47 |
| O. | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate |  |
|  |  | Current Monthly Period | 6.8629% |
|  |  | Prior Monthly Period | 6.4746% |
|  |  | Second Prior Monthly Period | 6.2248% |
|  | 2. | Three Month Average Base Rate | 6.5208% |
|  | 3. | Series Adjusted Portfolio Yield |  |
|  |  | Current Monthly Period | 28.7262% |
|  |  | Prior Monthly Period | 28.3031% |
|  |  | Second Prior Monthly Period | 29.0042% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | 28.6778% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | $603451000.00 |
|  |  | Monthly Interest | $2418248.89 |
|  |  | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | $605869248.89 |

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**Series 2018-9 Certificates** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 1083615701.97 | 574715000.00 | 508900701.97 |  |
|  Beginning Adjusted Invested Amount | N/A | 574715000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 27698679.24 | 14690490.74 | 13008188.50 |  |
|  Collections of Principal Receivables | 533057734.11 | 282716718.76 | 250341015.35 |  |
|  Defaulted Amount | 1271655.70 | 674445.38 | 597210.32 |  |
|  Ending Invested Amount / Transferor Amount | 1039384685.54 | 574715000.00 | 464669685.54 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  LIBOR Determination Date | January 13, 2023 | January 13, 2023 | January 13, 2023 |  |
|  Coupon January 17, 2023 to February 14, 2023 | 4.83443% | 5.04443% | 5.45443% |  |
|  Monthly Interest Due | 1947200.97 | 75903.40 | 164140.92 | 2187245.29 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 1947200.97 | 75903.40 | 164140.92 | 2187245.29 |
|  Investor Default Amount | 586765.07 | 21920.37 | 65759.94 | 674445.38 |
|  Investor Monthly Fees Due | 833333.33 | 31131.67 | 93393.33 | 957858.33 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 3367299.37 | 128955.44 | 323294.19 | 3819549.00 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 14707491.61 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 28.7495% |
|  Base Rate |  |  |  | 6.8877% |
|  Excess Spread Percentage |  |  |  | 22.7339% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 500000000.00 | 18679000.00 | 56036000.00 | 574715000.00 |
|  Distributions of Interest | 1947200.97 | 75903.40 | 164140.92 | 2187245.29 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 1947200.97 | 75903.40 | 164140.92 | 2187245.29 |
|  Ending Certificates Balance | 500000000.00 | 18679000.00 | 56036000.00 | 574715000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $3.89 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $3.89 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $4.06 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $4.06 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $11052083.53 |
|  | (2) | The amount of the distribution in respect of Collateral Senior Minimum Monthly Interest: | $164140.92 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest: | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $10887942.61 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $12795465.24 |
|  |  | a. | Class A Monthly Interest | $1947200.97 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $586765.07 |
|  |  | e. | Excess Spread | $10261499.20 |
|  | 2. | Class B Available Funds | Class B Available Funds | $478012.99 |
|  |  | a. | Class B Monthly Interest | $75903.40 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $402109.59 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $1434013.38 |
|  |  | a. | Excess Spread | $1434013.38 |
|  | 4. | Total Excess Spread | Total Excess Spread | $12097622.17 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2018-9 Allocable Principal Collections | Series 2018-9 Allocable Principal Collections | $533057734.11 |
|  | 3. | Principal Allocation Percentage of Series 2018-9 Allocable Principal Collections | Principal Allocation Percentage of Series 2018-9 Allocable Principal Collections | $282716718.76 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $282716718.76 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2018-9 | Shared Principal Collections from other Series allocated to Series 2018-9 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $674445.38 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $283391164.14 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $56036000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $56036000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $283391164.14 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | $0.00 |
| N. | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-9 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2018-9 |  |
|  | 1. | Excess Spread | $12097622.17 |
|  | 2. | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | $21920.37 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | $164140.92 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | $957858.33 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | $65759.94 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | $0.00 |
|  | 13. | Remaining Excess Spread distributed to Collateral Interest Holder(s) | $10887942.61 |
| O. | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate |  |
|  |  | Current Monthly Period | 6.8877% |
|  |  | Prior Monthly Period | 6.4995% |
|  |  | Second Prior Monthly Period | 6.2497% |
|  | 2. | Three Month Average Base Rate | 6.5457% |
|  | 3. | Series Adjusted Portfolio Yield |  |
|  |  | Current Monthly Period | 28.7495% |
|  |  | Prior Monthly Period | 28.3296% |
|  |  | Second Prior Monthly Period | 29.0291% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | 28.7027% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | $574715000.00 |
|  |  | Monthly Interest | $2314458.86 |
|  |  | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | $577029458.86 |

---

------

**Series 2021-1 Certificates** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 5925809073.17 | 3142859000.00 | 2782950073.17 |  |
|  Beginning Adjusted Invested Amount | N/A | 3142859000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 151471674.39 | 80335716.06 | 71135958.33 |  |
|  Collections of Principal Receivables | 2915054065.32 | 1546051145.35 | 1369002919.97 |  |
|  Defaulted Amount | 6954115.61 | 3688239.79 | 3265875.82 |  |
|  Ending Invested Amount / Transferor Amount | 5683929449.25 | 3142859000.00 | 2541070449.25 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  LIBOR Determination Date | N/A | N/A | N/A |  |
|  Coupon January 17, 2023 to February 14, 2023 | 0.90000% | 1.10000% | 2.77286% |  |
|  Monthly Interest Due | 2062500.00 | 108036.50 | 635449.85 | 2805986.35 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 2062500.00 | 108036.50 | 635449.85 | 2805986.35 |
|  Investor Default Amount | 3227207.91 | 138309.92 | 322721.96 | 3688239.79 |
|  Investor Monthly Fees Due | 4583333.33 | 196430.00 | 458335.00 | 5238098.33 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 9873041.24 | 442776.42 | 1416506.81 | 11732324.47 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 75386525.60 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 26.8606% |
|  Base Rate |  |  |  | 3.2214% |
|  Excess Spread Percentage |  |  |  | 24.3043% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 2750000000.00 | 117858000.00 | 275001000.00 | 3142859000.00 |
|  Distributions of Interest | 2062500.00 | 108036.50 | 635449.85 | 2805986.35 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 2062500.00 | 108036.50 | 635449.85 | 2805986.35 |
|  Ending Certificates Balance | 2750000000.00 | 117858000.00 | 275001000.00 | 3142859000.00 |

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------

---

| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $0.75 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $0.75 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $0.92 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $0.92 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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------

---

| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $64289650.98 |
|  | (2) | The amount of the distribution in respect of Collateral Minimum Monthly Interest (including in respect of Collateral Senior Minimum Monthly Interest): | $635449.85 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest (including in respect of Collateral Additional Interest): | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $63654201.13 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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------

---

| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $65963170.92 |
|  |  | a. | Class A Monthly Interest | $2062500.00 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $3227207.91 |
|  |  | e. | Excess Spread | $60673463.01 |
|  | 2. | Class B Available Funds | Class B Available Funds | $2827013.60 |
|  |  | a. | Class B Monthly Interest | $108036.50 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $2718977.10 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $6596341.08 |
|  |  | a. | Excess Spread | $6596341.08 |
|  | 4. | Total Excess Spread | Total Excess Spread | $69988781.19 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2021-1 Allocable Principal Collections | Series 2021-1 Allocable Principal Collections | $2915054065.32 |
|  | 3. | Principal Allocation Percentage of Series 2021-1 Allocable Principal Collections | Principal Allocation Percentage of Series 2021-1 Allocable Principal Collections | $1546051145.35 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $1546051145.35 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2021-1 | Shared Principal Collections from other Series allocated to Series 2021-1 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $3688239.79 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $1549739385.14 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $275001000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $275001000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $1549739385.14 |

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| | | | | |
|:---|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $0.00 |
| N. | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2021-1 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2021-1 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2021-1 |  |
|  | 1. | Excess Spread | Excess Spread | $69988781.19 |
|  | 2. | Excess Finance Charge Collections | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | Applied to fund Class B Required Amount | $138309.92 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | Applied to Collateral Senior Minimum Monthly Interest | $188571.60 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | Applied to unpaid Monthly Servicing Fee | $5238098.33 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | Collateral Default Amount treated as Available Principal Collections | $322721.96 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | Deposited to Reserve Account | $0.00 |
|  | 13. | Applied to any remaining Collateral Minimum Monthly Interest | Applied to any remaining Collateral Minimum Monthly Interest | $446878.25 |
|  | 14A. | (a) | Prior to a Note Trust Transfer, remaining Excess Spread applied as Excess Finance Charge Collections | $0.00 |
|  |  | (b) | Prior to a Note Trust Transfer, remaining Excess Spread distributed to the holders of the Transferor Certificates | $63654201.13 |
|  | 14B. | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | N/A |
| O. | Yield and Base Rate | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate | Base Rate |  |
|  |  | a. | Current Monthly Period | 3.2214% |
|  |  | b. | Prior Monthly Period | 2.8309% |
|  |  | c. | Second Prior Monthly Period | 3.1140% |
|  | 2. | Three Month Average Base Rate | Three Month Average Base Rate | 3.0555% |
|  | 3. | Series Adjusted Portfolio Yield | Series Adjusted Portfolio Yield |  |
|  |  | a. | Current Monthly Period | 26.8606% |
|  |  | b. | Prior Monthly Period | 26.4358% |
|  |  | c. | Second Prior Monthly Period | 26.8778% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | Three Month average Series Adjusted Portfolio Yield | 26.7247% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | Adjusted Invested Amount | $3142859000.00 |
|  |  | Monthly Interest | Monthly Interest | $2805986.35 |
|  |  | Monthly Interest previously due but not paid | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | Reassignment Amount | $3145664986.35 |

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------

**Series 2022-1 Certificates** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors'<br>Interest** | |
|  Beginning Invested Amount/Transferor Amount | 2693552835.46 | 1428574000.00 | 1264978835.46 |  |
|  Beginning Adjusted Invested Amount | N/A | 1428574000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 68850844.33 | 36516278.72 | 32334565.61 |  |
|  Collections of Principal Receivables | 1325026177.22 | 702751370.30 | 622274806.92 |  |
|  Defaulted Amount | 3160965.46 | 1676474.66 | 1484490.80 |  |
|  Ending Invested Amount / Transferor Amount | 2583607418.93 | 1428574000.00 | 1155033418.93 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  LIBOR Determination Date | N/A | N/A | N/A |  |
|  Coupon January 17, 2023 to February 14, 2023 | 2.21000% | 2.50000% | 3.31714% |  |
|  Monthly Interest Due | 2302083.33 | 111610.42 | 345538.49 | 2759232.24 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 2302083.33 | 111610.42 | 345538.49 | 2759232.24 |
|  Investor Default Amount | 1466912.69 | 62869.53 | 146692.44 | 1676474.66 |
|  Investor Monthly Fees Due | 2083333.33 | 89288.33 | 208335.00 | 2380956.66 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 5852329.35 | 263768.28 | 700565.93 | 6816663.56 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 35750426.33 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 28.0835% |
|  Base Rate |  |  |  | 4.5287% |
|  Excess Spread Percentage |  |  |  | 24.3043% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 1250000000.00 | 53573000.00 | 125001000.00 | 1428574000.00 |
|  Distributions of Interest | 2302083.33 | 111610.42 | 345538.49 | 2759232.24 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 2302083.33 | 111610.42 | 345538.49 | 2759232.24 |
|  Ending Certificates Balance | 1250000000.00 | 53573000.00 | 125001000.00 | 1428574000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $1.84 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $1.84 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $2.08 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $2.08 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $29279301.26 |
|  | (2) | The amount of the distribution in respect of Collateral Minimum Monthly Interest (including in respect of Collateral Senior Minimum Monthly Interest): | $345538.49 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest (including in respect of Collateral Additional Interest): | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $28933762.77 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $31281566.73 |
|  |  | a. | Class A Monthly Interest | $2302083.33 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $1466912.69 |
|  |  | e. | Excess Spread | $27512570.71 |
|  | 2. | Class B Available Funds | Class B Available Funds | $1340677.90 |
|  |  | a. | Class B Monthly Interest | $111610.42 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $1229067.48 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $3128181.70 |
|  |  | a. | Excess Spread | $3128181.70 |
|  | 4. | Total Excess Spread | Total Excess Spread | $31869819.89 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2022-1 Allocable Principal Collections | Series 2022-1 Allocable Principal Collections | $1325026177.22 |
|  | 3. | Principal Allocation Percentage of Series 2022-1 Allocable Principal Collections | Principal Allocation Percentage of Series 2022-1 Allocable Principal Collections | $702751370.30 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $702751370.30 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2022-1 | Shared Principal Collections from other Series allocated to Series 2022-1 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $1676474.66 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $704427844.96 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $125001000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $125001000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $704427844.96 |

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------

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| | | | | |
|:---|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $0.00 |
| N | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-1 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-1 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-1 |  |
|  | 1. | Excess Spread | Excess Spread | $31869819.89 |
|  | 2. | Excess Finance Charge Collections | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | Applied to fund Class B Required Amount | $62869.53 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | Applied to Collateral Senior Minimum Monthly Interest | $178572.50 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | Applied to unpaid Monthly Servicing Fee | $2380956.66 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | Collateral Default Amount treated as Available Principal Collections | $146692.44 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | Deposited to Reserve Account | $0.00 |
|  | 13. | Applied to any remaining Collateral Minimum Monthly Interest | Applied to any remaining Collateral Minimum Monthly Interest | $166965.99 |
|  | 14A. | (a) | Prior to a Note Trust Transfer, remaining Excess Spread applied as Excess Finance Charge Collections | $0.00 |
|  |  | (b) | Prior to a Note Trust Transfer, remaining Excess Spread distributed to the holders of the Transferor Certificates | $28933762.77 |
|  | 14B. | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | N/A |
| O. | Yield and Base Rate | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate | Base Rate |  |
|  |  | a. | Current Monthly Period | 4.5287% |
|  |  | b. | Prior Monthly Period | 3.9797% |
|  |  | c. | Second Prior Monthly Period | 4.3777% |
|  | 2. | Three Month Average Base Rate | Three Month Average Base Rate | 4.2954% |
|  | 3. | Series Adjusted Portfolio Yield | Series Adjusted Portfolio Yield |  |
|  |  | a. | Current Monthly Period | 28.0835% |
|  |  | b. | Prior Monthly Period | 27.6588% |
|  |  | c. | Second Prior Monthly Period | 28.1414% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | Three Month average Series Adjusted Portfolio Yield | 27.9612% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | Adjusted Invested Amount | $1428574000.00 |
|  |  | Monthly Interest | Monthly Interest | $2759232.24 |
|  |  | Monthly Interest previously due but not paid | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | Reassignment Amount | $1431333232.24 |

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------

**Series 2022-2 Certificates** 

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| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 5925809073.17 | 3142859000.00 | 2782950073.17 |  |
|  Beginning Adjusted Invested Amount | N/A | 3142859000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 151471674.39 | 80335716.06 | 71135958.33 |  |
|  Collections of Principal Receivables | 2915054065.32 | 1546051145.35 | 1369002919.97 |  |
|  Defaulted Amount | 6954115.61 | 3688239.79 | 3265875.82 |  |
|  Ending Invested Amount / Transferor Amount | 5683929449.25 | 3142859000.00 | 2541070449.25 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  LIBOR Determination Date | N/A | N/A | N/A |  |
|  Coupon January 17, 2023 to February 14, 2023 | 3.39000% | 3.61000% | 5.20286% |  |
|  Monthly Interest Due | 7768750.00 | 354556.15 | 1192326.65 | 9315632.80 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 7768750.00 | 354556.15 | 1192326.65 | 9315632.80 |
|  Investor Default Amount | 3227207.91 | 138309.92 | 322721.96 | 3688239.79 |
|  Investor Monthly Fees Due | 4583333.33 | 196430.00 | 458335.00 | 5238098.33 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 15579291.24 | 689296.07 | 1973383.61 | 18241970.92 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 81896172.05 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 29.2993% |
|  Base Rate |  |  |  | 5.8283% |
|  Excess Spread Percentage |  |  |  | 24.3043% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 2750000000.00 | 117858000.00 | 275001000.00 | 3142859000.00 |
|  Distributions of Interest | 7768750.00 | 354556.15 | 1192326.65 | 9315632.80 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 7768750.00 | 354556.15 | 1192326.65 | 9315632.80 |
|  Ending Certificates Balance | 2750000000.00 | 117858000.00 | 275001000.00 | 3142859000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $2.83 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $2.83 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $3.01 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $3.01 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $64846527.78 |
|  | (2) | The amount of the distribution in respect of Collateral Minimum Monthly Interest (including in respect of Collateral Senior Minimum Monthly Interest): | $1192326.65 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest (including in respect of Collateral Additional Interest): | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $63654201.13 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $71659108.20 |
|  |  | a. | Class A Monthly Interest | $7768750.00 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $3227207.91 |
|  |  | e. | Excess Spread | $60663150.29 |
|  | 2. | Class B Available Funds | Class B Available Funds | $3071126.97 |
|  |  | a. | Class B Monthly Interest | $354556.15 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $2716570.82 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $7165936.88 |
|  |  | a. | Excess Spread | $7165936.88 |
|  | 4. | Total Excess Spread | Total Excess Spread | $70545657.99 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2022-2 Allocable Principal Collections | Series 2022-2 Allocable Principal Collections | $2915054065.32 |
|  | 3. | Principal Allocation Percentage of Series 2022-2 Allocable Principal Collections | Principal Allocation Percentage of Series 2022-2 Allocable Principal Collections | $1546051145.35 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $1546051145.35 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2022-2 | Shared Principal Collections from other Series allocated to Series 2022-2 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $3688239.79 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $1549739385.14 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $275001000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $275001000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $1549739385.14 |

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| | | | | |
|:---|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $0.00 |
| N. | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-2 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-2 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-2 |  |
|  | 1. | Excess Spread | Excess Spread | $70545657.99 |
|  | 2. | Excess Finance Charge Collections | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | Applied to fund Class B Required Amount | $138309.92 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | Applied to Collateral Senior Minimum Monthly Interest | $530357.63 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | Applied to unpaid Monthly Servicing Fee | $5238098.33 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | Collateral Default Amount treated as Available Principal Collections | $322721.96 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | Deposited to Reserve Account | $0.00 |
|  | 13. | Applied to any remaining Collateral Minimum Monthly Interest | Applied to any remaining Collateral Minimum Monthly Interest | $661969.02 |
|  | 14A. | (a) | Prior to a Note Trust Transfer, remaining Excess Spread applied as Excess Finance Charge Collections | $0.00 |
|  |  | (b) | Prior to a Note Trust Transfer, remaining Excess Spread distributed to the holders of the Transferor Certificates | $63654201.13 |
|  | 14B. | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | N/A |
| O. | Yield and Base Rate | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate | Base Rate |  |
|  |  | a. | Current Monthly Period | 5.8283% |
|  |  | b. | Prior Monthly Period | 5.1219% |
|  |  | c. | Second Prior Monthly Period | 5.6341% |
|  | 2. | Three Month Average Base Rate | Three Month Average Base Rate | 5.5281% |
|  | 3. | Series Adjusted Portfolio Yield | Series Adjusted Portfolio Yield |  |
|  |  | a. | Current Monthly Period | 29.2993% |
|  |  | b. | Prior Monthly Period | 28.8746% |
|  |  | c. | Second Prior Monthly Period | 29.3978% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | Three Month average Series Adjusted Portfolio Yield | 29.1905% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | Adjusted Invested Amount | $3142859000.00 |
|  |  | Monthly Interest | Monthly Interest | $9315632.80 |
|  |  | Monthly Interest previously due but not paid | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | Reassignment Amount | $3152174632.80 |

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**Series 2022-3 Certificates** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 4848398497.70 | 2571435000.00 | 2276963497.70 |  |
|  Beginning Adjusted Invested Amount | N/A | 2571435000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 123931606.55 | 65729347.71 | 58202258.84 |  |
|  Collections of Principal Receivables | 2385048788.53 | 1264953352.01 | 1120095436.52 |  |
|  Defaulted Amount | 5689741.81 | 3017656.50 | 2672085.31 |  |
|  Ending Invested Amount / Transferor Amount | 4650496609.40 | 2571435000.00 | 2079061609.40 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  LIBOR Determination Date | N/A | N/A | N/A |  |
|  Coupon January 17, 2023 to February 14, 2023 | 3.75000% | 4.07000% | 5.79429% |  |
|  Monthly Interest Due | 7031250.00 | 327058.42 | 1086453.52 | 8444761.94 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 7031250.00 | 327058.42 | 1086453.52 | 8444761.94 |
|  Investor Default Amount | 2640442.84 | 113163.51 | 264050.15 | 3017656.50 |
|  Investor Monthly Fees Due | 3750000.00 | 160716.67 | 375008.33 | 4285725.00 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 13421692.84 | 600938.60 | 1725512.00 | 15748143.44 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 67828952.88 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 29.6761% |
|  Base Rate |  |  |  | 6.2311% |
|  Excess Spread Percentage |  |  |  | 24.3043% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 2250000000.00 | 96430000.00 | 225005000.00 | 2571435000.00 |
|  Distributions of Interest | 7031250.00 | 327058.42 | 1086453.52 | 8444761.94 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 7031250.00 | 327058.42 | 1086453.52 | 8444761.94 |
|  Ending Certificates Balance | 2250000000.00 | 96430000.00 | 225005000.00 | 2571435000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $3.13 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $3.13 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $3.39 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $3.39 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $53167262.96 |
|  | (2) | The amount of the distribution in respect of Collateral Minimum Monthly Interest (including in respect of Collateral Senior Minimum Monthly Interest): | $1086453.52 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest (including in respect of Collateral Additional Interest): | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $52080809.44 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $59350185.39 |
|  |  | a. | Class A Monthly Interest | $7031250.00 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $2640442.84 |
|  |  | e. | Excess Spread | $49678492.55 |
|  | 2. | Class B Available Funds | Class B Available Funds | $2543617.06 |
|  |  | a. | Class B Monthly Interest | $327058.42 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $2216558.64 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $5935150.43 |
|  |  | a. | Excess Spread | $5935150.43 |
|  | 4. | Total Excess Spread | Total Excess Spread | $57830201.62 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2022-3 Allocable Principal Collections | Series 2022-3 Allocable Principal Collections | $2385048788.53 |
|  | 3. | Principal Allocation Percentage of Series 2022-3 Allocable Principal Collections | Principal Allocation Percentage of Series 2022-3 Allocable Principal Collections | $1264953352.01 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $1264953352.01 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2022-3 | Shared Principal Collections from other Series allocated to Series 2022-3 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $3017656.50 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $1267971008.51 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $225005000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $225005000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $1267971008.51 |

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| | | | | |
|:---|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $0.00 |
| N. | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-3 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-3 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-3 |  |
|  | 1. | Excess Spread | Excess Spread | $57830201.62 |
|  | 2. | Excess Finance Charge Collections | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | Applied to fund Class B Required Amount | $113163.51 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | Applied to Collateral Senior Minimum Monthly Interest | $488581.20 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | Applied to unpaid Monthly Servicing Fee | $4285725.00 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | Collateral Default Amount treated as Available Principal Collections | $264050.15 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | Deposited to Reserve Account | $0.00 |
|  | 13. | Applied to any remaining Collateral Minimum Monthly Interest | Applied to any remaining Collateral Minimum Monthly Interest | $597872.32 |
|  | 14A. | (a) | Prior to a Note Trust Transfer, remaining Excess Spread applied as Excess Finance Charge Collections | $0.00 |
|  |  | (b) | Prior to a Note Trust Transfer, remaining Excess Spread distributed to the holders of the Transferor Certificates | $52080809.44 |
|  | 14B. | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | N/A |
| O. | Yield and Base Rate | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate | Base Rate |  |
|  |  | a. | Current Monthly Period | 6.2311% |
|  |  | b. | Prior Monthly Period | 5.4758% |
|  |  | c. | Second Prior Monthly Period | 6.0234% |
|  | 2. | Three Month Average Base Rate | Three Month Average Base Rate | 5.9101% |
|  | 3. | Series Adjusted Portfolio Yield | Series Adjusted Portfolio Yield |  |
|  |  | a. | Current Monthly Period | 29.6761% |
|  |  | b. | Prior Monthly Period | 29.2514% |
|  |  | c. | Second Prior Monthly Period | 29.7871% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | Three Month average Series Adjusted Portfolio Yield | 29.5715% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | Adjusted Invested Amount | $2571435000.00 |
|  |  | Monthly Interest | Monthly Interest | $8444761.94 |
|  |  | Monthly Interest previously due but not paid | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | Reassignment Amount | $2579879761.94 |

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**Series 2022-4 Certificates** 

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| | | | | |
|:---|:---|:---|:---|:---|
| **A. Investor/Transferor Allocations** | **Series**<br>**Allocations** | **Total Investor**<br>**Interest** | **Transferors' Interest** | |
|  Beginning Invested Amount/Transferor Amount | 2154841891.27 | 1142859000.00 | 1011982891.27 |  |
|  Beginning Adjusted Invested Amount | N/A | 1142859000.00 | N/A |  |
|  Floating Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Principal Allocation Percentage | N/A | 53.0368% | 46.9632% |  |
|  Collections of Finance Charge Receivables | 55080665.83 | 29213017.87 | 25867647.96 |  |
|  Collections of Principal Receivables | 1060020756.27 | 562200997.85 | 497819758.42 |  |
|  Defaulted Amount | 2528771.93 | 1341179.49 | 1187592.44 |  |
|  Ending Invested Amount / Transferor Amount | 2066885573.44 | 1142859000.00 | 924026573.44 |  |
| **B. Monthly Period Funding Requirements** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Principal Funding Account Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Investment Proceeds for Monthly Period | 0.00 | 0.00 | 0.00 | 0.00 |
|  Required Reserve Account Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Opening Balance | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Investment Proceeds retained per Section 4.12(b) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Deposit | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Draw Amount | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Surplus (after giving effect to any principal distributions on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  Reserve Account Closing Balance (after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) | 0.00 | 0.00 | 0.00 | 0.00 |
|  LIBOR Determination Date | N/A | N/A | N/A |  |
|  Coupon January 17, 2023 to February 14, 2023 | 4.95000% | 5.23000% | 6.96800% |  |
|  Monthly Interest Due | 4125000.00 | 186789.45 | 580672.47 | 4892461.92 |
|  Outstanding Monthly Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Additional Interest Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Interest Due | 4125000.00 | 186789.45 | 580672.47 | 4892461.92 |
|  Investor Default Amount | 1173530.14 | 50295.16 | 117354.19 | 1341179.49 |
|  Investor Monthly Fees Due | 1666666.67 | 71430.00 | 166668.33 | 1904765.00 |
|  Investor Additional Amounts Due | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Due | 6965196.81 | 308514.61 | 864694.99 | 8138406.41 |
|  Reallocated Investor Finance Charge Collections |  |  |  | 31285412.58 |
|  Interest and Principal Funding Investment Proceeds |  |  |  | 0.00 |
|  Interest on Reserve Account |  |  |  | 0.00 |
|  Series Adjusted Portfolio Yield |  |  |  | 30.8498% |
|  Base Rate |  |  |  | 7.4857% |
|  Excess Spread Percentage |  |  |  | 24.3043% |
| **C. Certificates - Balances and Distributions** | **Class A** | **Class B** | **Collateral Interest** | **Total** |
|  Beginning Certificates Balance | 1000000000.00 | 42858000.00 | 100001000.00 | 1142859000.00 |
|  Distributions of Interest | 4125000.00 | 186789.45 | 580672.47 | 4892461.92 |
|  Deposits to the Principal Funding Account | 0.00 | 0.00 | 0.00 | 0.00 |
|  Distributions of Principal | 0.00 | 0.00 | 0.00 | 0.00 |
|  Total Distributions | 4125000.00 | 186789.45 | 580672.47 | 4892461.92 |
|  Ending Certificates Balance | 1000000000.00 | 42858000.00 | 100001000.00 | 1142859000.00 |

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| | | | |
|:---|:---|:---|:---|
| D) | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. | Information regarding distributions on the Distribution Date in respect of the Class A Certificates per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution: | $4.13 |
|  | (2) | The amount of the distribution in respect of Class A Monthly Interest: | $4.13 |
|  | (3) | The amount of the distribution in respect of Class A Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class A Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class A Certificates: | $0.00 |
| E) | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. | Class A Investor Charge-Offs and Reimbursement of Class A Investor Charge-Offs. |  |
|  | (1) | The total amount of Class A Investor Charge-Offs: | $0.00 |
|  | (2) | The amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of Class A Investor Charge-Offs: | $0.00 |
|  | (4) | The amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class A Certificates exceeds the Class A Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| F) | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. | Information regarding distributions in respect of the Class B Certificates, per $1,000 original certificate principal amount. |  |
|  | (1) | The total amount of the distribution in respect of Class B Certificates: | $4.36 |
|  | (2) | The amount of the distribution in respect of Class B Monthly Interest: | $4.36 |
|  | (3) | The amount of the distribution in respect of Class B Outstanding Monthly Interest: | $0.00 |
|  | (4) | The amount of the distribution in respect of Class B Additional Interest: | $0.00 |
|  | (5) | The amount of the distribution in respect of principal of the Class B Certificates: | $0.00 |

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| | | | |
|:---|:---|:---|:---|
| G) | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. | Amount of reductions in Class B Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Class B Invested Amount on such Distribution Date. |  |
|  | (1) | The amount of reductions in Class B Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Class B Invested Amount: | $0.00 |
|  | (2) | The amount of the reductions in the Class B Invested Amount per $1,000 original certificate principal amount: | $0.00 |
|  | (3) | The total amount reimbursed in respect of such reductions in the Class B Invested Amount: | $0.00 |
|  | (4) | The amount reimbursed in respect of such reductions in the Class B Invested Amount, per $1,000 original certificate principal amount: | $0.00 |
|  | (5) | The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds the Class B Invested Amount after giving effect to all transactions on such Distribution Date: | $0.00 |
| H) | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. | Information regarding distributions on the Distribution Date to the Collateral Interest Holder. |  |
|  | (1) | The total amount distributed to the Collateral Interest Holder: | $23727678.64 |
|  | (2) | The amount of the distribution in respect of Collateral Minimum Monthly Interest (including in respect of Collateral Senior Minimum Monthly Interest): | $580672.47 |
|  | (3) | The amount of the distribution in respect of Collateral Senior Additional Interest (including in respect of Collateral Additional Interest): | $0.00 |
|  | (4) | The amount distributed to the Collateral Interest Holder in respect of principal on the Collateral Invested Amount: | $0.00 |
|  | (5) | The amount of the distribution to the Collateral Interest Holder in respect of remaining Excess Spread: | $23147006.17 |
| I) | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. | Amount of reductions in Collateral Invested Amount pursuant to clauses (c), (d), and (e) of the definition of Collateral Invested Amount. |  |
|  | (1) | The amount of reductions in the Collateral Invested Amount pursuant to clauses (c), (d) and (e) of the definition of Collateral Invested Amount: | $0.00 |
|  | (2) | The total amount reimbursed in respect of such reductions in the Collateral Invested Amount: | $0.00 |

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| | | | | |
|:---|:---|:---|:---|:---|
| J. | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections | Application of Reallocated Investor Finance Charge Collections |  |
|  | 1. | Class A Available Funds | Class A Available Funds | $27374691.52 |
|  |  | a. | Class A Monthly Interest | $4125000.00 |
|  |  | b. | Class A Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class A Additional Interest | $0.00 |
|  |  | d. | Class A Investor Default Amount (treated as Available Principal Collections) | $1173530.14 |
|  |  | e. | Excess Spread | $22076161.38 |
|  | 2. | Class B Available Funds | Class B Available Funds | $1173224.53 |
|  |  | a. | Class B Monthly Interest | $186789.45 |
|  |  | b. | Class B Outstanding Monthly Interest | $0.00 |
|  |  | c. | Class B Additional Interest | $0.00 |
|  |  | d. | Excess Spread | $986435.08 |
|  | 3. | Collateral Available Funds | Collateral Available Funds | $2737496.53 |
|  |  | a. | Excess Spread | $2737496.53 |
|  | 4. | Total Excess Spread | Total Excess Spread | $25800092.99 |
| K. | Reallocated Principal Collections | Reallocated Principal Collections | Reallocated Principal Collections |  |
|  | 1. | Principal Allocation Percentage | Principal Allocation Percentage | 53.0368% |
|  | 2. | Series 2022-4 Allocable Principal Collections | Series 2022-4 Allocable Principal Collections | $1060020756.27 |
|  | 3. | Principal Allocation Percentage of Series 2022-4 Allocable Principal Collections | Principal Allocation Percentage of Series 2022-4 Allocable Principal Collections | $562200997.85 |
|  | 4. | Reallocated Principal Collections Required to fund the Required Amount | Reallocated Principal Collections Required to fund the Required Amount | $0.00 |
|  | 5. | Item 3 minus Item 4 | Item 3 minus Item 4 | $562200997.85 |
|  | 6. | Shared Principal Collections from other Series allocated to Series 2022-4 | Shared Principal Collections from other Series allocated to Series 2022-4 | $0.00 |
|  | 7. | Other amounts treated as Available Principal Collections: | Other amounts treated as Available Principal Collections: | $1341179.49 |
|  | 8. | Available Principal Collections (total of items 5, 6 and 7) | Available Principal Collections (total of items 5, 6 and 7) | $563542177.34 |
| L. | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period | Application of Available Principal Collections during Revolving Period |  |
|  | 1. | Collateral Invested Amount | Collateral Invested Amount | $100001000.00 |
|  | 2. | Required Collateral Invested Amount | Required Collateral Invested Amount | $100001000.00 |
|  | 3. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $563542177.34 |

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| | | | | |
|:---|:---|:---|:---|:---|
| M. | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period | Application of Principal Collections During Accumulation or Amortization Period |  |
|  | 1. | Principal Funding Account | Principal Funding Account | $0.00 |
|  | 2. | Excess of Collateral Invested Amount over Required Collateral Invested Amount | Excess of Collateral Invested Amount over Required Collateral Invested Amount | $0.00 |
|  | 3. | Distribution of Principal | Distribution of Principal | $0.00 |
|  | 4. | Treated as Shared Principal Collections | Treated as Shared Principal Collections | $0.00 |
|  N | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-4 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-4 | Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 2022-4 |  |
|  | 1. | Excess Spread | Excess Spread | $25800092.99 |
|  | 2. | Excess Finance Charge Collections | Excess Finance Charge Collections | $0.00 |
|  | 3. | Applied to fund Class A Required Amount | Applied to fund Class A Required Amount | $0.00 |
|  | 4. | Class A Investor Charge-Offs treated as Available Principal Collections | Class A Investor Charge-Offs treated as Available Principal Collections | $0.00 |
|  | 5. | Applied to fund overdue Class B Interest | Applied to fund overdue Class B Interest | $0.00 |
|  | 6. | Applied to fund Class B Required Amount | Applied to fund Class B Required Amount | $50295.16 |
|  | 7. | Reduction of Class B Invested Amount treated as Available Principal Collections | Reduction of Class B Invested Amount treated as Available Principal Collections | $0.00 |
|  | 8. | Applied to Collateral Senior Minimum Monthly Interest | Applied to Collateral Senior Minimum Monthly Interest | $272381.63 |
|  | 9. | Applied to unpaid Monthly Servicing Fee | Applied to unpaid Monthly Servicing Fee | $1904765.00 |
|  | 10. | Collateral Default Amount treated as Available Principal Collections | Collateral Default Amount treated as Available Principal Collections | $117354.19 |
|  | 11. | Reduction of Collateral Invested Amount treated as Available Principal Collections | Reduction of Collateral Invested Amount treated as Available Principal Collections | $0.00 |
|  | 12. | Deposited to Reserve Account | Deposited to Reserve Account | $0.00 |
|  | 13. | Applied to any remaining Collateral Minimum Monthly Interest | Applied to any remaining Collateral Minimum Monthly Interest | $308290.84 |
|  | 14A. | (a) | Prior to a Note Trust Transfer, remaining Excess Spread applied as Excess Finance Charge Collections | $0.00 |
|  |  | (b) | Prior to a Note Trust Transfer, remaining Excess Spread distributed to the holders of the Transferor Certificates | $23147006.17 |
|  | 14B. | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | Following a Note Trust Transfer, remaining Excess Spread distributed to Collateral Interest Holder(s) | N/A |
| O. | Yield and Base Rate | Yield and Base Rate | Yield and Base Rate |  |
|  | 1. | Base Rate | Base Rate |  |
|  |  | a. | Current Monthly Period | 7.4857% |
|  |  | b. | Prior Monthly Period | 6.5784% |
|  |  | c. | Second Prior Monthly Period | 7.2362% |
|  | 2. | Three Month Average Base Rate | Three Month Average Base Rate | 7.1001% |
|  | 3. | Series Adjusted Portfolio Yield | Series Adjusted Portfolio Yield |  |
|  |  | a. | Current Monthly Period | 30.8498% |
|  |  | b. | Prior Monthly Period | 30.4250% |
|  |  | c. | Second Prior Monthly Period | 33.0833% |
|  | 4. | Three Month average Series Adjusted Portfolio Yield | Three Month average Series Adjusted Portfolio Yield | 31.4527% |
|  | 5. | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Is the 3 month average Series Adjusted Portfolio Yield more than the 3 month average Base Rate? | Yes |
| P. | Reassignment Amount | Reassignment Amount | Reassignment Amount |  |
|  |  | Adjusted Invested Amount | Adjusted Invested Amount | $1142859000.00 |
|  |  | Monthly Interest | Monthly Interest | $4892461.92 |
|  |  | Monthly Interest previously due but not paid | Monthly Interest previously due but not paid | $0.00 |
|  |  | Additional Interest | Additional Interest | $0.00 |
|  |  | Additional Interest previously due but not paid | Additional Interest previously due but not paid | $0.00 |
|  |  | Reassignment Amount | Reassignment Amount | $1147751461.92 |

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