# EDGAR Filing Document

**Accession Number:** 0001931330
**File Stem:** 0000929638-23-000199
**Filing Date:** 2023-1
**Character Count:** 33139
**Document Hash:** ec4e54cf70cb552c9a785b6102b462e8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-23-000199.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0000929638-23-000199

**CONFORMED SUBMISSION TYPE**: 10-D

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230130

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Exeter Automobile Receivables Trust 2022-3
- **CENTRAL INDEX KEY:** 0001931330
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-D
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-233850-08
- **FILM NUMBER:** 23566826

**BUSINESS ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
- **BUSINESS PHONE:** (214) 572-8276

**MAIL ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

### FORM 10-D

#### ASSET-BACKED ISSUER<br> DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF<br> THE SECURITIES EXCHANGE ACT OF 1934
For the monthly distribution period from **December 1, 2022** to **December 31, 2022**

Commission File Number of issuing entity: **333-233850-08**

Central Index Key Number of issuing entity: **0001931330**

**EXETER AUTOMOBILE RECEIVABLES TRUST 2022-3**

(Exact name of issuing entity as specified in its charter)

Commission File Number of depositor: **333-233850**

Central Index Key Number of depositor: **0001654238**

### EFCAR, LLC
(Exact name of depositor as specified in its charter)

Central Index Key Number of sponsor (if applicable): **0001541713**

### EXETER FINANCE LLC
(Exact name of sponsor as specified in its charter)

#### Jodi Blanton, (469) 754-4396
(Name and telephone number, including area code, of the person to contact in connection with this filing)

**Delaware**<br> (State or other jurisdiction of incorporation or organization of the issuing entity)

#### 87-6646288

#### 45-2673519
(I.R.S. Employer Identification No.)

---

| | |
|:---|:---|
| **c/o Exeter Finance LLC**<br> **2101 W. John Carpenter Freeway**<br> **Irving, Texas**<br> (Address of principal executive offices of the issuing entity) | <br>**75063**<br> (Zip Code) |

---

(469) 754-4396

(Telephone number, including area code)

**Not Applicable**<br> (Former name, former address, if changed since last report)

Registered/reporting pursuant to (check one)

---

| | | | | |
|:---|:---|:---|:---|:---|
|  |  |  |  | Name of exchange |
| Title of class | Section 12(b) | Section 12(g) | Section 15(d) | (If Section 12(b)) |
| &nbsp;&nbsp; Class A-1 Notes | ☐ | ☐ | ☒ |  |
| &nbsp;&nbsp; Class A-2 Notes | ☐ | ☐ | ☒ |  |
| &nbsp;&nbsp; Class A-3 Notes | ☐ | ☐ | ☒ |  |
| &nbsp;&nbsp; Class B Notes | ☐ | ☐ | ☒ |  |
| &nbsp;&nbsp; Class C Notes | ☐ | ☐ | ☒ |  |
| &nbsp;&nbsp; Class D Notes | ☐ | ☐ | ☒ |  |

---

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 ☐

------

#### PART I — DISTRIBUTION INFORMATION

#### Item 1. Distribution and Pool Performance Information.
The response to Item 1 is set forth in part herein and in part in Exhibit 99.1.

No assets securitized by Exeter Finance LLC (the "Securitizer") and held by Exeter Automobile Receivables Trust 2022-3 were the subject of a demand to repurchase for breach of the representations and warranties during the distribution period from December 1, 2022 to December 31, 2022.

The Securitizer (Central Index Key Number: 0001541713) most recently filed a Form ABS-15G on February 8, 2022.

#### Item 1A. Asset-Level Information.
The Asset Data File and Asset Related Document filed as Exhibit 102 and Exhibit 103, respectively, to the Form ABS-EE filed by Exeter Automobile Receivables Trust 2022-3 on January 30, 2023 with respect to the distribution period commencing on December 1, 2022 and ending on December 31, 2022 are hereby incorporated by reference into this Form 10-D.

#### Item 1B. Asset Representations Reviewer and Investor Communication.
None.

#### PART II — OTHER INFORMATION
**Item 2. Legal Proceedings**.

None.

**Item 3. Sales of Securities and Use of Proceeds**.

None.

**Item 4. Defaults Upon Senior Securities**.

None.

#### Item 5. [Reserved].
None.

**Item 6. Significant Obligors of Pool Assets**.

None.

**Item 7. Change in Sponsor Interest in the Securities**.

None.

**Item 8. Significant Enhancement Provider Information**.

None.

**Item 9. Other Information**.

None.

**Item 10. Exhibits**.

(a) Documents filed as part of this report:

<br> [99.1](eart2022-3_exhibit991.htm) [Monthly Servicer's Certificate](eart2022-3_exhibit991.htm)

(b) Exhibits required by this Form and Item 601 of Regulation S-K (17 CFR 229.601).

---

| | |
|:---|:---|
| [102.1](https://www.sec.gov/Archives/edgar/data/1931330/000092963823000173/eart2022-3_exhibit102.xml) | [Asset Data File for the distribution period commencing on December 1, 2022 and ending on December 31, 2022 (included in Exhibit 102 to the Form ABS-EE filed by Exeter Automobile Receivables Trust 2022-3 with the Commission on January 30, 2023, which is incorporated by reference herein).](https://www.sec.gov/Archives/edgar/data/1931330/000092963823000173/eart2022-3_exhibit102.xml) |

---

---

| | |
|:---|:---|
| [103.1](https://www.sec.gov/Archives/edgar/data/1931330/000092963823000173/eart2022-3_exhibit103.xml) | [Asset Related Document for the distribution period commencing on December 1, 2022 and ending on December 31, 2022 (included in Exhibit 103 to the Form ABS-EE filed by Exeter Automobile Receivables Trust 2022-3 with the Commission on January 30, 2023, which is incorporated by reference herein).](https://www.sec.gov/Archives/edgar/data/1931330/000092963823000173/eart2022-3_exhibit103.xml) |

---

------

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

Date: January 30, 2023

EXETER AUTOMOBILE RECEIVABLES TRUST 2022-3

&nbsp;&nbsp;&nbsp;&nbsp; (Issuing Entity)

By:&nbsp;&nbsp;&nbsp;&nbsp; Exeter Finance LLC, as Servicer

By:&nbsp;&nbsp;&nbsp;&nbsp; <u>/s/ Ben Miller</u><u>&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Name: Ben Miller

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Title:&nbsp;&nbsp;&nbsp;&nbsp; Executive Vice President and Treasurer

## Exhibit 99.1

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Exeter Automobile Receivables Trust 2022-3** | **Exeter Automobile Receivables Trust 2022-3** | **Exeter Automobile Receivables Trust 2022-3** | **Exeter Automobile Receivables Trust 2022-3** | **Exeter Automobile Receivables Trust 2022-3** | **Exeter Automobile Receivables Trust 2022-3** | **Exeter Automobile Receivables Trust 2022-3** |
| Class A-1 1.865% Asset Backed Notes | Class A-1 1.865% Asset Backed Notes | Class A-1 1.865% Asset Backed Notes | Class A-1 1.865% Asset Backed Notes | Class A-1 1.865% Asset Backed Notes | Class A-1 1.865% Asset Backed Notes | Class A-1 1.865% Asset Backed Notes |
| Class A-2 3.45% Asset Backed Notes | Class A-2 3.45% Asset Backed Notes | Class A-2 3.45% Asset Backed Notes | Class A-2 3.45% Asset Backed Notes | Class A-2 3.45% Asset Backed Notes | Class A-2 3.45% Asset Backed Notes | Class A-2 3.45% Asset Backed Notes |
| Class A-3 4.21% Asset Backed Notes | Class A-3 4.21% Asset Backed Notes | Class A-3 4.21% Asset Backed Notes | Class A-3 4.21% Asset Backed Notes | Class A-3 4.21% Asset Backed Notes | Class A-3 4.21% Asset Backed Notes | Class A-3 4.21% Asset Backed Notes |
| Class B 4.86% Asset Backed Notes | Class B 4.86% Asset Backed Notes | Class B 4.86% Asset Backed Notes | Class B 4.86% Asset Backed Notes | Class B 4.86% Asset Backed Notes | Class B 4.86% Asset Backed Notes | Class B 4.86% Asset Backed Notes |
| Class C 5.30% Asset Backed Notes | Class C 5.30% Asset Backed Notes | Class C 5.30% Asset Backed Notes | Class C 5.30% Asset Backed Notes | Class C 5.30% Asset Backed Notes | Class C 5.30% Asset Backed Notes | Class C 5.30% Asset Backed Notes |
| Class D 6.76% Asset Backed Notes | Class D 6.76% Asset Backed Notes | Class D 6.76% Asset Backed Notes | Class D 6.76% Asset Backed Notes | Class D 6.76% Asset Backed Notes | Class D 6.76% Asset Backed Notes | Class D 6.76% Asset Backed Notes |
| Class E 9.09% Asset Backed Notes | Class E 9.09% Asset Backed Notes | Class E 9.09% Asset Backed Notes | Class E 9.09% Asset Backed Notes | Class E 9.09% Asset Backed Notes | Class E 9.09% Asset Backed Notes | Class E 9.09% Asset Backed Notes |
| Servicer's Certificate | Servicer's Certificate | Servicer's Certificate | Servicer's Certificate | Servicer's Certificate | Servicer's Certificate | Servicer's Certificate |
| This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. |
| This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. |
| This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. | This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among Exeter Holdings Trust 2022-3, as Holding Trust, Exeter Automobile Receivables Trust 2022-3, as Issuer, Exeter Finance LLC, as Servicer, EFCAR, LLC, as Seller, and Citibank, N.A., as the Indenture Trustee and Backup Servicer, dated as of May 30, 2022. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents. |
| **Collection Period Beginning:** | 12/01/2022 |  |  |  |  | **Original** |
| **Collection Period Ending:** | 12/31/2022 | **Purchases** | **Units** | **Cutoff Date** | **Closing Date** | **Pool Balance** |
| **Prev. Distribution Date (or Closing Date):** | 12/15/2022 | **Initial Purchase** | 48961 | 05/30/2022 | 06/22/2022 | $1073768791.83 |
| **Distribution Date:** | 01/17/2023 |  |  |  |  |  |
| **Days of Interest for Period:** | 33 | **Total** | 48961 | 05/30/2022 | 06/22/2022 | $1073768791.83 |
| **Days in Collection Period:** | 31 |  |  |  |  |  |
| **Months Seasoned:** | 7 |  |  |  |  |  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| I. | **RECEIVABLES PRINCIPAL BALANCE CALCULATION:** | **RECEIVABLES PRINCIPAL BALANCE CALCULATION:** |  |  |  |
| **{1}** | Beginning of period Aggregate Principal Balance | Beginning of period Aggregate Principal Balance |  | **{1}** | $913221215.86 |
|  | Collection Period principal amounts | Collection Period principal amounts |  |  |  |
|  | **{2}** | Collections on Receivables | **{2}** | $27688175.91 |  |
|  | **{3}** | Less amounts allocable to interest and fees | **{3}** | -$13358811.53 |  |
|  | **{4}** | Total cash principal amounts |  | **{4}** | $14329364.38 |
|  | **{5}** | Receivables becoming Liquidated Receivables during period (including Cram Down Losses) | **{5}** | $16718967.13 |  |
|  | **{6}** | Receivables becoming Purchased Receivables during period | **{6}** | $344066.56 |  |
|  | **{7}** | Other Receivables adjustments | **{7}** | $10840.65 |  |
|  | **{8}** | Total non-cash principal amounts |  | **{8}** | $17073874.34 |
| **{9}** | End of period Aggregate Principal Balance | End of period Aggregate Principal Balance |  | **{9}** | $881817977.14 |
| **{10}** | Pool factor ({9} / Original Pool Balance) | Pool factor ({9} / Original Pool Balance) |  | **{10}** | 82.1236363% |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| II. | **NOTE BALANCE CALCULATION:** | **NOTE BALANCE CALCULATION:** |  |  |  |  |  |  |  |  |
|  |  |  | **Class A-1** | **Class A-2** | **Class A-3** | **Class B** | **Class C** | **Class D** | **Class E** | **Total** |
| **{11}** | Original Note Balance | **{11}** | $76300000.00 | $229000000.00 | $187020000.00 | $147640000.00 | $137440000.00 | $133690000.00 | $104690000.00 | $1015780000.00 |
| **{12}** | Beginning of period Notes Balance | **{12}** | $0.00 | $131994507.41 | $187020000.00 | $147640000.00 | $137440000.00 | $133690000.00 | $104690000.00 | $842474507.41 |
| **{13}** | First Allocation of Principal | **{13}** | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| **{14}** | Second Allocation of Principal | **{14}** | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| **{15}** | Third Allocation of Principal | **{15}** | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| **{16}** | Fourth Allocation of Principal | **{16}** | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| **{17}** | Fifth Allocation of Principal | **{17}** | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| **{18}** | Regular Allocation of Principal | **{18}** | $0.00 | $26491503.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $26491503.06 |
| **{19}** | Optional Purchase payment amount | **{19}** | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| **{20}** | End of period Note Balance | **{20}** | $0.00 | $105503004.35 | $187020000.00 | $147640000.00 | $137440000.00 | $133690000.00 | $104690000.00 | $815983004.35 |
| **{21}** | Note Pool Factor | **{21}** | 0.0000000% | 46.0711809% | 100.0000000% | 100.0000000% | 100.0000000% | 100.0000000% | 100.0000000% | 80.3306823% |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| III. | **CALCULATION OF INTEREST DISTRIBUTABLE AMOUNTS:** | **CALCULATION OF INTEREST DISTRIBUTABLE AMOUNTS:** | **CALCULATION OF INTEREST DISTRIBUTABLE AMOUNTS:** | **CALCULATION OF INTEREST DISTRIBUTABLE AMOUNTS:** | **CALCULATION OF INTEREST DISTRIBUTABLE AMOUNTS:** |  |  |
|  |  | **Beginning** | **Interest** | **Interest** |  |  | **Calculated** |
|  | **Class** | **Note Balance** | **Carryover** | **Rate** | **Days** | **Days Basis** | **Interest** |
| **{22}** | Class A-1 | $0.00 | $0.00 | 1.865% | 33 | Actual / 360 | $0.00 |
| **{23}** | Class A-2 | $131994507.41 | $0.00 | 3.45% | 30 | 30/360 | $379484.21 |
| **{24}** | Class A-3 | $187020000.00 | $0.00 | 4.21% | 30 | 30/360 | $656128.50 |
| **{25}** | Class B | $147640000.00 | $0.00 | 4.86% | 30 | 30/360 | $597942.00 |
| **{26}** | Class C | $137440000.00 | $0.00 | 5.30% | 30 | 30/360 | $607026.67 |
| **{27}** | Class D | $133690000.00 | $0.00 | 6.76% | 30 | 30/360 | $753120.33 |
| **{28}** | Class E | $104690000.00 | $0.00 | 9.09% | 30 | 30/360 | $793026.75 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| IV. | **RECONCILIATION OF COLLECTION ACCOUNT:** |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Available Funds:** |  |  |  |  |
| **{29}** | Collections during period (excluding Liquidation Proceeds and Fees) | **{29}** | $27633274.23 |  |
| **{30}** | Liquidation Proceeds collected during period | **{30}** | $4956443.60 |  |
| **{31}** | Purchase Amounts or amounts from Servicer deposited in Collection Account | **{31}** | $352212.14 |  |
| **{32}** | Investment Earnings - Collection Account | **{32}** | $92401.33 |  |
| **{33}** | Investment Earnings - Transfer From Reserve Account | **{33}** | $67756.77 |  |
| **{34}** | Fees collected during period | **{34}** | $50758.74 |  |
| **{35}** | Other Amounts Received | **{35}** | $10840.65 |  |
| **{36}** | Reserve Account Withdrawal Amount | **{36}** | $0.00 |  |
| **{37}** | Total Available Funds |  | **{37}** | $33163687.46 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Distributions:** |  |  |  |  |
| **{38}** | Base Servicing Fee | **{38}** | $2283053.04 |  |
| **{39}** | Recovery fees reimbursed to Servicer as Supplemental Servicing Fees | **{39}** | $546302.65 |  |
| **{40}** | Fee collections (excluding extension fees) reimbursed to Servicer as Supplemental Servicing Fees | **{40}** | $50758.74 |  |
| **{41}** | Other amounts due to Servicer | **{41}** | $0.00 |  |
| **{42}** | Transition Fees to the successor Servicer | **{42}** | $0.00 |  |
| **{43}** | Indenture Trustee Fees | **{43}** | $416.67 |  |
| **{44}** | Backup Servicing Fees | **{44}** | $3500.00 |  |
| **{45}** | Custodian Fees | **{45}** | $0.00 |  |
| **{46}** | Asset Representations Reviewer Fees | **{46}** | $0.00 |  |
| **{47}** | Lockbox Bank Fees | **{47}** | $1216.51 |  |
| **{48}** | Owner Trustee Fees | **{48}** | $208.33 |  |
| **{49}** | Class A Noteholders' Monthly Interest Distributable Amount | **{49}** | $1035612.71 |  |
| **{50}** | Class A Parity & Class A on Legal Final | **{50}** | $0.00 |  |
| **{51}** | Class B Noteholders' Monthly Interest Distributable Amount | **{51}** | $597942.00 |  |
| **{52}** | Class A and B Parity & Class B on Legal Final | **{52}** | $0.00 |  |
| **{53}** | Class C Noteholders' Monthly Interest Distributable Amount | **{53}** | $607026.67 |  |
| **{54}** | Class A, B and C Parity & Class C on Legal Final | **{54}** | $0.00 |  |
| **{55}** | Class D Noteholders' Monthly Interest Distributable Amount | **{55}** | $753120.33 |  |
| **{56}** | Class A, B, C and D Parity & Class D on Legal Final | **{56}** | $0.00 |  |
| **{57}** | Class E Noteholders' Monthly Interest Distributable Amount | **{57}** | $793026.75 |  |
| **{58}** | Class A, B, C, D and E Parity & Class E on Legal Final | **{58}** | $0.00 |  |
| **{59}** | To the Reserve Account, the Reserve Account Deposit | **{59}** | $0.00 |  |
| **{60}** | Principal Payment Amount | **{60}** | $26491503.06 |  |
| **{61}** | Additional fees due to parties in excess of related limits | **{61}** | $0.00 |  |
| **{62}** | To the Certificateholders, the aggregate amount remaining | **{62}** | $0.00 |  |
| **{63}** | Total Distributions |  | **{63}** | $33163687.46 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| V. | **CALCULATION OF PRINCIPAL PARITY AMOUNT:** | **CALCULATION OF PRINCIPAL PARITY AMOUNT:** | **CALCULATION OF PRINCIPAL PARITY AMOUNT:** | **CALCULATION OF PRINCIPAL PARITY AMOUNT:** |  |  |
|  |  | (X) | (Y) | (I) | (II) |  |
|  |  | **Cumulative** | **Pool** | **Excess of** | **Available Funds** | **Lesser of** |
|  | **Class** | **Note Balance** | **Balance** | (X) - (Y) | **in Waterfall** | (I) or (II) |
| **{64}** | Class A | $319014507.41 | $881817977.14 | $0.00 | $29242618.81 | $0.00 |
| **{65}** | Class B | $466654507.41 | $881817977.14 | $0.00 | $28644676.81 | $0.00 |
| **{66}** | Class C | $604094507.41 | $881817977.14 | $0.00 | $28037650.14 | $0.00 |
| **{67}** | Class D | $737784507.41 | $881817977.14 | $0.00 | $27284529.81 | $0.00 |
| **{68}** | Class E | $842474507.41 | $881817977.14 | $0.00 | $26491503.06 | $0.00 |
| **{69}** | Total |  |  |  |  |  |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| VI. | **RECONCILIATION OF RESERVE ACCOUNT:** |  |  | **Initial** |
| **{70}** | Specified Reserve Balance (1.90% of the Pool Balance as of the Cutoff Date) |  | **{70}** | $20401607.04 |
| **{71}** | Beginning of period Reserve Account balance |  | **{71}** | $20401607.04 |
| **{72}** | Reserve Account Deposit from Collection Account | **{72}** | $0.00 |  |
| **{73}** | Investment Earnings - Reserve Account | **{73}** | $67756.77 |  |
| **{74}** | Investment Earnings - transferred to Collection Account Available Funds | **{74}** | -$67756.77 |  |
| **{75}** | Reserve Account Withdrawal Amount | **{75}** | $0.00 |  |
| **{76}** | End of period Reserve Account balance |  | **{76}** | $20401607.04 |
| **{77}** | Reserve Account deficiency |  | **{77}** | $0.00 |
| **{78}** | Reserve Account draw amount |  | **{78}** | $0.00 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| VII. | **OVERCOLLATERALIZATION:** |  |  |  |
| **{79}** | Target Overcollateralization Amount: (greater of) |  | **{79}** | $154318146.00 |
| **{80}**<br> (i) | 17.50% of the Pool Balance as of the end of the Collection Period | **{80}** | $154318146.00 |  |
| and |  |  |  |  |
| **{81}**<br> (ii) | 1.50% of the Pool Balance as of the Cutoff Date | **{81}** | $16106531.88 |  |
| **{82}** | End of period Pool Balance of the Receivables | **{82}** | $881817977.14 |  |
| **{83}** | End of period Note Balance | **{83}** | $815983004.35 |  |
| **{84}** | Overcollateralization amount |  | **{84}** | $65834972.79 |
| **{85}** | Overcollateralization percentage |  | **{85}** | 7.47% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| VIII. | **STATISTICAL DATA:** |  |  |  |  |
|  |  |  | **Original** | **Previous** | **Current** |
| **{86}** | Average Principal Balance of the Receivables | **{86}** | $21931.10 | $21059.92 | $20932.37 |
| **{87}** | Weighted average APR of the Receivables | **{87}** | 20.27% | 20.16% | 20.12% |
| **{88}** | Weighted average original term of the Receivables | **{88}** | 72.51 | 72.54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;72.55 |
| **{89}** | Weighted average remaining term of the Receivables | **{89}** | 71.61 | 66.61 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;65.87 |
| **{90}** | Number of Receivables | **{90}** | 48961 | 43363 | 42127 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| IX. | **CUMULATIVE NET LOSS RATIO:** |  |  |  |
| **{91}** | Receivables becoming Liquidated Receivables during period (including Cram Down Losses) | **{91}** | $16718967.13 |  |
| **{92}** | Net Liquidation Proceeds collected during period | **{92}** | $4410140.95 |  |
| **{93}** | Net losses during period |  | **{93}** | $12308826.18 |
| **{94}** | Net losses since Cutoff Date (end of period) |  | **{94}** | $55825648.20 |
| **{95}** | Cumulative net loss ratio |  | **{95}** | 5.20% |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| X. | **DELINQUENCY:** |  |  |  |  |
| Receivables with scheduled payment delinquent | Receivables with scheduled payment delinquent |  | **Units** | **Dollars** | **Percentage** |
| **{96}** | 31-60 days | **{96}** | 4160 | $89597327.42 | 10.16% |
| **{97}** | 61-90 days | **{97}** | 1885 | $38839416.10 | 4.40% |
| **{98}** | 91-120 days | **{98}** | 1116 | $22766906.27 | 2.58% |
| **{99}** | over 120 days | **{99}** | 388 | $8419582.79 | 0.95% |
| **{100}** | Total | **{100}** | 7549 | $159623232.58 | 18.10% |
| **{101}** | Aggregate Principal Balance of all Receivables that are more than 60 days delinquent |  |  | **{101}** | $70025905.16 |
| **{102}** | Delinquency Rate as of the end of the Collection Period |  |  | **{102}** | 7.94% |
| **{103}** | Delinquency Trigger |  |  | **{103}** | 40.00% |
| **{104}** | Delinquency Trigger occurred |  |  | **{104}** | No |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| XI. | **EXTENSIONS:** |  |  |  |
| **{105}** | Principal Balance of Receivables extended during current period | **{105}** | $73114512.82 |  |
| **{106}** | Beginning of Period Aggregate Principal Balance | **{106}** | $913221215.86 |  |
| **{107}** | Extension Rate |  | **{107}** | 8.01% |
| By: | <u>/s/Jeff Briggs</u> |  |  |  |
| Name: | Jeff Briggs |  |  |  |
| Title: | Senior Vice President |  |  |  |
| Date: | January 12, 2023 |  |  |  |

---

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