# EDGAR Filing Document

**Accession Number:** 0002072235
**File Stem:** 0001539497-25-001695
**Filing Date:** 2025-6
**Character Count:** 30998
**Document Hash:** 507414fe860ef2e6ef930ec52129594e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-25-001695.hdr.sgml**: 20250623

**ACCESSION NUMBER**: 0001539497-25-001695

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 4

**CONFORMED PERIOD OF REPORT**: 20250623

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20250623

**DATE AS OF CHANGE**: 20250623

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Alloya Auto Funding LLC
- **CENTRAL INDEX KEY:** 0002072235

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07796
- **FILM NUMBER:** 251065533

**BUSINESS ADDRESS:**
- **STREET 1:** 184 SHUMAN BLVD
- **STREET 2:** SUITE 400
- **CITY:** NAPERVILLE
- **STATE:** IL
- **ZIP:** 60563
- **BUSINESS PHONE:** 8007822431

**MAIL ADDRESS:**
- **STREET 1:** 184 SHUMAN BLVD
- **STREET 2:** SUITE 400
- **CITY:** NAPERVILLE
- **STATE:** IL
- **ZIP:** 60563
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Alloya Auto Funding LLC
- **CENTRAL INDEX KEY:** 0002072235

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 184 SHUMAN BLVD
- **STREET 2:** SUITE 400
- **CITY:** NAPERVILLE
- **STATE:** IL
- **ZIP:** 60563
- **BUSINESS PHONE:** 8007822431

**MAIL ADDRESS:**
- **STREET 1:** 184 SHUMAN BLVD
- **STREET 2:** SUITE 400
- **CITY:** NAPERVILLE
- **STATE:** IL
- **ZIP:** 60563
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Alloya Auto Funding LLC
- **CENTRAL INDEX KEY:** 0002072235

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 184 SHUMAN BLVD
- **STREET 2:** SUITE 400
- **CITY:** NAPERVILLE
- **STATE:** IL
- **ZIP:** 60563
- **BUSINESS PHONE:** 8007822431

**MAIL ADDRESS:**
- **STREET 1:** 184 SHUMAN BLVD
- **STREET 2:** SUITE 400
- **CITY:** NAPERVILLE
- **STATE:** IL
- **ZIP:** 60563

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549** 

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> Report Pursuant to Section 15G of** 

**the Securities Exchange Act of 1934**

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

[_] Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _________________ to _________________

Date of Report (Date of earliest event reported)______________________

Commission File Number of securitizer: ____________________

Central Index Key Number of securitizer: ___________________

------

Name and telephone number, including area code, of the person to

contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) [_]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [_]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [_]

[✔] Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: <u>0002072235</u> 

Alloya Auto Receivables Trust 2025-1

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

Ryan McCarroll, (303) 802-7127

Name and telephone number, including area code, of the person to

contact in connection with this filing

**INFORMATION TO BE INCLUDED IN THE REPORT**

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer**

Attached as Exhibit 99.1 hereto is an agreed-upon procedures report, dated June 16, 2025, of KPMG LLP, obtained by the issuer, with respect to certain agreed-upon procedures performed by KPMG LLP.

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  | ALLOYA AUTO FUNDING LLC | ALLOYA AUTO FUNDING LLC | ALLOYA AUTO FUNDING LLC |
|  | (Depositor) | (Depositor) | (Depositor) |
| Date: June 23, 2025 |  |  |  |
|  | By: | /s/ Andrew Kohl | /s/ Andrew Kohl |
|  |  | Name: | Andrew Kohl |
|  |  | Title: | Chief Investment Officer |

---

Exhibit 99.1 Agreed-upon procedures report, dated June 16, 2025, of KPMG LLP.

## Exhibit 99.1

**Exhibit 99.1**

---

| | |
|:---|:---|
| ![](kpmglogo.jpg) |  |
|  | KPMG LLP<br> Suite 700<br> 20 Pacifica<br> Irvine, CA 92618-3391 |

---

**Independent Accountants' Agreed-Upon Procedures Report**

Alloya Corporate Federal Credit Union (the "Company")<br> J.P. Morgan Securities LLC (the "Structuring Agent")<br> Blaze Credit Union<br> Consumers Credit Union<br> Interra Credit Union<br> (together, the "Specified Parties")

Re: Alloya Auto Receivables Trust 2025-1 – Data Files Procedures

We have performed the procedures described below on the specified attributes in an electronic data file entitled "2.28 Loan tape - combined - updated 6.6.25.xlsx" provided by the Company on June 6, 2025, containing information on 12,125 motor vehicle loans and retail installment sale contracts (the "Receivables") as of February 28, 2025 (the "Data File") which we were informed are intended to be included as collateral in the offering by Alloya Auto Receivables Trust 2025-1, consisting of:

- 4,979 Receivables from Blaze Credit Union (the "Blaze Receivables")

- 2,999 Receivables from Consumers Credit Union (the "Consumers Receivables")

- 4,147 Receivables from Interra Credit Union (the "Interra Receivables")

Blaze Credit Union, Consumers Credit Union, and Interra Credit Union (together, the "Responsible Parties") are responsible for the specified attributes identified by the Company in the Data File related to the Blaze Receivables, Consumers Receivables, and Interra Receivables, respectively.

The Specified Parties have agreed to and acknowledged that the procedures performed are appropriate to meet their intended purpose of assisting specified parties in evaluating the accuracy of the specified attributes in the Data File. This report may not be suitable for any other purpose. No other parties have agreed to or acknowledged the appropriateness of these procedures for the intended purpose or any other purpose.

The procedures performed may not address all the items of interest to a specified party of this report and may not meet the needs of all specified parties of this report and, as such, specified parties are responsible for determining whether the procedures performed are appropriate for their purposes. We make no representation regarding the appropriateness of the procedures either for the intended purpose or for any other purpose.

Unless otherwise stated, the following definitions have been adopted in presenting our procedures and findings:

· The term "compared" means compared to the information shown and found it to be in agreement, unless otherwise stated.
Such compared information was deemed to be in agreement if differences were within the reporting threshold.

· The term "recomputed" means recalculated and compared the result to the information shown and found it to be in agreement,
unless otherwise stated. Such recomputed information was deemed to be in agreement if differences were within the reporting threshold.

· The term "reporting threshold" means that dollar amounts, DTI percentages, and origination dates were within $1.00, 1.00%,
and one business day, respectively.

KPMG LLP, a Delaware limited liability partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee.

![](kpmglogo2.jpg)

· The term "Cutoff Date" means February 28, 2025.

· The "Initial Data File" means an electronic data file entitled "Loan tape - combined - updated 5.30.xlsx"
provided by the Company on May 30, 2025, containing information on the 12,125 Receivables as of February 28, 2025.

· The term "Insurance Document" means one of the insurance documents listed in email correspondence received from each Responsible
Party on June 12, 2025, which each Responsible Party informed us are acceptable forms of Insurance Document related to their respective
Receivables.

· The term "Title Document" means one of the title documents listed in email correspondence received from each Responsible
Party on June 12, 2025, which each Responsible Party informed us are acceptable forms of Title Document related to their respective Receivables.

· The term "Acceptable Company Names" means the names listed in email correspondence received from each Responsible Party
on June 12, 2025, which each Responsible Party informed us are the acceptable names that can appear as the legal owner, lien holder, security
interest holder, or secured party in the Title Documents related to their respective Receivables.

· The term "Vehicle Model and Make Mapping" means the mappings of vehicle specific models to general models and models to
makes provided by each Responsible Party from June 2, 2025 to June 10, 2025, related to their respective Receivables.

· The term "Interra Collateral Codes Legend" means the legend of collateral codes used in Interra Credit Union's core
servicing system corresponding to "New" or "Used" collateral.

· The term "Instructions" means the instructions provided by the Responsible Parties pertaining to a procedure, attribute,
or methodology, as described in the procedures below.

· The term "Sources" means the following information provided by the Responsible Parties as electronic copies and/or images
related to the Selected Receivables (defined below):

- Installment Sale Contract, Loan and Security Agreement, Sub Action Report, Credit Application, Credit Report, Insurance Document, and Title Document. We make no representation regarding the validity, enforceability, or authenticity of these documents;

Screenshots from each Responsible Party's core servicing system containing information related to Borrower Mailing State, DTI, Maturity Date, Payment Amount, Current Interest Rate, New/Used, and/or Direct/Indirect (the "System Screenshots");

- The Vehicle Model and Make Mapping; and,

- Interra Collateral Codes Legend.

· The term "Provided Information" means the Cutoff Date, Acceptable Company Names, Instructions and Sources.

The procedures we were instructed by the Company to perform are as follows:

A. We randomly selected a sample of 50 Blaze Receivables, 50 Consumers Receivables, and 50 Interra Receivables from the Initial Data
File for a total of 150 Receivables (the "Selected Receivables"). A listing of the Selected Receivables is attached hereto
as Exhibit A. For purposes of this procedure, the Company did not inform us of the basis they used to determine the number of Receivables
we were instructed to randomly select from the Initial Data File.

![](kpmglogo2.jpg)

B. For each Selected Receivable, we compared or recomputed the specified attributes in the Initial Data File listed below to or using
the corresponding information included in the Sources, utilizing the Instructions, as applicable. The Specified Parties indicated that
the absence of any of the information in the Sources or the inability to agree the indicated information from the Initial Data File to
the Sources for each of the attributes identified, utilizing the Instructions, as applicable, constituted an exception. The Sources are
listed in the order of priority.

---

| | |
|:---|:---|
| &nbsp;&nbsp;<u>Attribute</u> | &nbsp;&nbsp;<u>Sources/Instructions</u> |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp; Installment Sale Contract, Loan and Security Agreement<br> Recompute as the sum of the Amount Financed and any Prepaid Finance Charge in the Installment Sale Contract or Loan and Security Agreement. |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp; Installment Sale Contract, Loan and Security Agreement, System Screenshot.<br> In the event the Maturity Date was not stated in the Installment Sale Contract, recompute by adding the Loan Term per the Installment Sale Contract to the First Payment Date stated in the Installment Sale Contract.<br> In the event the information was not in agreement, recompute by extending the Maturity Date in the Installment Sale Contract or Loan and Security Agreement or the recomputed Maturity Date by a number of months equal to the number of Skip-A-Pay transactions before the Cutoff Date identified in the System Screenshot. |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;Installment Sale Contract, Loan and Security Agreement |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;Installment Sale Contract, Loan and Security Agreement |
| &nbsp;&nbsp;Payment Amount | &nbsp;&nbsp;Installment Sale Contract, Loan and Security Agreement, System Screenshot, Sub Action Report |
| &nbsp;&nbsp;Manufacturer | &nbsp;&nbsp;Installment Sale Contract, Loan and Security Agreement Vehicle Make and Model Mapping |
| &nbsp;&nbsp;Model | &nbsp;&nbsp;Installment Sale Contract, Loan and Security Agreement Vehicle Make and Model Mapping |
| &nbsp;&nbsp;Year | &nbsp;&nbsp;Installment Sale Contract, Loan and Security Agreement |
| &nbsp;&nbsp;New/Used | &nbsp;&nbsp;Installment Sale Contract, Loan and Security Agreement, System Screenshot, Interra Collateral Codes Legend (for the Interra Receivables). |
| &nbsp;&nbsp;Obligor/Billing State | &nbsp;&nbsp;Installment Sale Contract, Loan and Security Agreement, System Screenshot |
| &nbsp;&nbsp;Credit Bureau Score | &nbsp;&nbsp;Credit Report |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;System Screenshot |
| &nbsp;&nbsp;Contract Rate | &nbsp;&nbsp;System Screenshot, Sub Action Report |
| &nbsp;&nbsp;Direct/Indirect | &nbsp;&nbsp;System Screenshot |

---

We found such information to be in agreement, except as listed in Exhibit B.

![](kpmglogo2.jpg)

C. As a result of the differences in Loan Term we identified and reported in the performance of Procedure B, the Initial Data File was
revised with updates by Consumers Credit Union. Consumers Credit Union informed that Loan Term in the Initial Data File was not extracted
correctly from their core servicing system. The Data File reflected the revision of the Loan Term field by Consumers Credit Union.

We reperformed Procedure B for the Selected Receivables in the Data File. We found such information to be in agreement, except as listed in Exhibit C.

D. For each Selected Receivable, we observed the presence of the following in the Sources:

&nbsp;&nbsp;&nbsp;&nbsp;· Title Document. We were instructed by the Company to observe that one of the Acceptable Company Names appeared on the Title Document
as the legal owner, lien holder, security interest holder, or secured party.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance Policy. The Company informed us that any of the Insurance Document was acceptable proof of insurance.

&nbsp;&nbsp;&nbsp;&nbsp;· Signed Credit Application. We make no representation regarding the authenticity of the borrower's signature(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Truth-in-Lending Disclosure Statement in Installment Sale Contract or the following information in Loan and Security Agreement: Annual
Percentage Rate, Finance Charge, Amount Financed, Total of Payments, Payment Schedule, and Prepaid Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;· Signed Installment Sale Contract. We make no representation regarding the authenticity of the borrower's signature(s).

We found such information to be present.

We were engaged by the Company to perform this agreed-upon procedures engagement and conducted our engagement in accordance with attestation standards established by the American Institute of Certified Public Accountants, which involves us performing the specific procedures agreed to and acknowledged above and reporting on findings based on performing those procedures. We were not engaged to and did not conduct an examination or review, the objective of which would be the expression of an opinion or conclusion, respectively, on the specified attributes in the Data File. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported.

We are required to be independent of the Responsible Parties and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements related to our agreed-upon procedures engagement.

The procedures performed were applied based on the information included in the Initial Data File, Data File, and Provided Information, without verification or evaluation of such information by us; therefore, we express no opinion or any other form of assurance regarding (i) the reasonableness of the information provided to us by the Responsible Parties, (ii) the physical existence of the Receivables, (iii) the reliability or accuracy of the Provided Information which was used in our procedures, or (iv) matters of legal interpretation.

The procedures performed were not intended to address, nor did they address: (i) the conformity of the origination of the Receivables to stated underwriting or credit extension guidelines, standards, criteria or other requirements, (ii) the value of collateral securing any such Receivables being securitized, (iii) the compliance of the originator of the Receivables with federal, state, and local laws and regulations, or (iv) any other factor or characteristic of the Receivables that would be material to the likelihood that the issuer of the asset-backed security will pay interest and principal in accordance with applicable terms and conditions. The procedures

![](kpmglogo2.jpg)

performed were not intended to satisfy any criteria for due diligence published by the nationally recognized statistical rating organizations ("NRSROs").

The terms of our engagement are such that we have no responsibility to update this report because of events and circumstances that may subsequently occur.

This report is intended solely for the information and use of the Specified Parties. It is not intended to be and should not be used by any other person or entity, including investors or the NRSROs, who are not identified in the report as the Specified Parties but may have access to this report as required by law or regulation.

/s/ KPMG LLP

Irvine, California<br> June 16, 2025

**Exhibit A**

**The Selected Receivables**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> Selected <u>Receivable #</u> | &nbsp;&nbsp;Receivable <u>Number\*</u> | &nbsp;&nbsp;Selected <u>Receivable #</u> | &nbsp;&nbsp;Receivable <u>Number\*</u> | &nbsp;&nbsp;Selected <u>Receivable #</u> | &nbsp;&nbsp;Receivable <u>Number\*</u> |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2025BL01 | &nbsp;&nbsp;51 | &nbsp;&nbsp;2025CO01 | &nbsp;&nbsp;101 | &nbsp;&nbsp;2025IN01 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;2025BL02 | &nbsp;&nbsp;52 | &nbsp;&nbsp;2025CO02 | &nbsp;&nbsp;102 | &nbsp;&nbsp;2025IN02 |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;2025BL03 | &nbsp;&nbsp;53 | &nbsp;&nbsp;2025CO03 | &nbsp;&nbsp;103 | &nbsp;&nbsp;2025IN03 |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;2025BL04 | &nbsp;&nbsp;54 | &nbsp;&nbsp;2025CO04 | &nbsp;&nbsp;104 | &nbsp;&nbsp;2025IN04 |
| &nbsp;&nbsp;5 | &nbsp;&nbsp;2025BL05 | &nbsp;&nbsp;55 | &nbsp;&nbsp;2025CO05 | &nbsp;&nbsp;105 | &nbsp;&nbsp;2025IN05 |
| &nbsp;&nbsp;6 | &nbsp;&nbsp;2025BL06 | &nbsp;&nbsp;56 | &nbsp;&nbsp;2025CO06 | &nbsp;&nbsp;106 | &nbsp;&nbsp;2025IN06 |
| &nbsp;&nbsp;7 | &nbsp;&nbsp;2025BL07 | &nbsp;&nbsp;57 | &nbsp;&nbsp;2025CO07 | &nbsp;&nbsp;107 | &nbsp;&nbsp;2025IN07 |
| &nbsp;&nbsp;8 | &nbsp;&nbsp;2025BL08 | &nbsp;&nbsp;58 | &nbsp;&nbsp;2025CO08 | &nbsp;&nbsp;108 | &nbsp;&nbsp;2025IN08 |
| &nbsp;&nbsp;9 | &nbsp;&nbsp;2025BL09 | &nbsp;&nbsp;59 | &nbsp;&nbsp;2025CO09 | &nbsp;&nbsp;109 | &nbsp;&nbsp;2025IN09 |
| &nbsp;&nbsp;10 | &nbsp;&nbsp;2025BL10 | &nbsp;&nbsp;60 | &nbsp;&nbsp;2025CO10 | &nbsp;&nbsp;110 | &nbsp;&nbsp;2025IN10 |
| &nbsp;&nbsp;11 | &nbsp;&nbsp;2025BL11 | &nbsp;&nbsp;61 | &nbsp;&nbsp;2025CO11 | &nbsp;&nbsp;111 | &nbsp;&nbsp;2025IN11 |
| &nbsp;&nbsp;12 | &nbsp;&nbsp;2025BL12 | &nbsp;&nbsp;62 | &nbsp;&nbsp;2025CO12 | &nbsp;&nbsp;112 | &nbsp;&nbsp;2025IN12 |
| &nbsp;&nbsp;13 | &nbsp;&nbsp;2025BL13 | &nbsp;&nbsp;63 | &nbsp;&nbsp;2025CO13 | &nbsp;&nbsp;113 | &nbsp;&nbsp;2025IN13 |
| &nbsp;&nbsp;14 | &nbsp;&nbsp;2025BL14 | &nbsp;&nbsp;64 | &nbsp;&nbsp;2025CO14 | &nbsp;&nbsp;114 | &nbsp;&nbsp;2025IN14 |
| &nbsp;&nbsp;15 | &nbsp;&nbsp;2025BL15 | &nbsp;&nbsp;65 | &nbsp;&nbsp;2025CO15 | &nbsp;&nbsp;115 | &nbsp;&nbsp;2025IN15 |
| &nbsp;&nbsp;16 | &nbsp;&nbsp;2025BL16 | &nbsp;&nbsp;66 | &nbsp;&nbsp;2025CO16 | &nbsp;&nbsp;116 | &nbsp;&nbsp;2025IN16 |
| &nbsp;&nbsp;17 | &nbsp;&nbsp;2025BL17 | &nbsp;&nbsp;67 | &nbsp;&nbsp;2025CO17 | &nbsp;&nbsp;117 | &nbsp;&nbsp;2025IN17 |
| &nbsp;&nbsp;18 | &nbsp;&nbsp;2025BL18 | &nbsp;&nbsp;68 | &nbsp;&nbsp;2025CO18 | &nbsp;&nbsp;118 | &nbsp;&nbsp;2025IN18 |
| &nbsp;&nbsp;19 | &nbsp;&nbsp;2025BL19 | &nbsp;&nbsp;69 | &nbsp;&nbsp;2025CO19 | &nbsp;&nbsp;119 | &nbsp;&nbsp;2025IN19 |
| &nbsp;&nbsp;20 | &nbsp;&nbsp;2025BL20 | &nbsp;&nbsp;70 | &nbsp;&nbsp;2025CO20 | &nbsp;&nbsp;120 | &nbsp;&nbsp;2025IN20 |
| &nbsp;&nbsp;21 | &nbsp;&nbsp;2025BL21 | &nbsp;&nbsp;71 | &nbsp;&nbsp;2025CO21 | &nbsp;&nbsp;121 | &nbsp;&nbsp;2025IN21 |
| &nbsp;&nbsp;22 | &nbsp;&nbsp;2025BL22 | &nbsp;&nbsp;72 | &nbsp;&nbsp;2025CO22 | &nbsp;&nbsp;122 | &nbsp;&nbsp;2025IN22 |
| &nbsp;&nbsp;23 | &nbsp;&nbsp;2025BL23 | &nbsp;&nbsp;73 | &nbsp;&nbsp;2025CO23 | &nbsp;&nbsp;123 | &nbsp;&nbsp;2025IN23 |
| &nbsp;&nbsp;24 | &nbsp;&nbsp;2025BL24 | &nbsp;&nbsp;74 | &nbsp;&nbsp;2025CO24 | &nbsp;&nbsp;124 | &nbsp;&nbsp;2025IN24 |
| &nbsp;&nbsp;25 | &nbsp;&nbsp;2025BL25 | &nbsp;&nbsp;75 | &nbsp;&nbsp;2025CO25 | &nbsp;&nbsp;125 | &nbsp;&nbsp;2025IN25 |
| &nbsp;&nbsp;26 | &nbsp;&nbsp;2025BL26 | &nbsp;&nbsp;76 | &nbsp;&nbsp;2025CO26 | &nbsp;&nbsp;126 | &nbsp;&nbsp;2025IN26 |
| &nbsp;&nbsp;27 | &nbsp;&nbsp;2025BL27 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2025CO27 | &nbsp;&nbsp;127 | &nbsp;&nbsp;2025IN27 |
| &nbsp;&nbsp;28 | &nbsp;&nbsp;2025BL28 | &nbsp;&nbsp;78 | &nbsp;&nbsp;2025CO28 | &nbsp;&nbsp;128 | &nbsp;&nbsp;2025IN28 |
| &nbsp;&nbsp;29 | &nbsp;&nbsp;2025BL29 | &nbsp;&nbsp;79 | &nbsp;&nbsp;2025CO29 | &nbsp;&nbsp;129 | &nbsp;&nbsp;2025IN29 |
| &nbsp;&nbsp;30 | &nbsp;&nbsp;2025BL30 | &nbsp;&nbsp;80 | &nbsp;&nbsp;2025CO30 | &nbsp;&nbsp;130 | &nbsp;&nbsp;2025IN30 |
| &nbsp;&nbsp;31 | &nbsp;&nbsp;2025BL31 | &nbsp;&nbsp;81 | &nbsp;&nbsp;2025CO31 | &nbsp;&nbsp;131 | &nbsp;&nbsp;2025IN31 |
| &nbsp;&nbsp;32 | &nbsp;&nbsp;2025BL32 | &nbsp;&nbsp;82 | &nbsp;&nbsp;2025CO32 | &nbsp;&nbsp;132 | &nbsp;&nbsp;2025IN32 |
| &nbsp;&nbsp;33 | &nbsp;&nbsp;2025BL33 | &nbsp;&nbsp;83 | &nbsp;&nbsp;2025CO33 | &nbsp;&nbsp;133 | &nbsp;&nbsp;2025IN33 |
| &nbsp;&nbsp;34 | &nbsp;&nbsp;2025BL34 | &nbsp;&nbsp;84 | &nbsp;&nbsp;2025CO34 | &nbsp;&nbsp;134 | &nbsp;&nbsp;2025IN34 |
| &nbsp;&nbsp;35 | &nbsp;&nbsp;2025BL35 | &nbsp;&nbsp;85 | &nbsp;&nbsp;2025CO35 | &nbsp;&nbsp;135 | &nbsp;&nbsp;2025IN35 |
| &nbsp;&nbsp;36 | &nbsp;&nbsp;2025BL36 | &nbsp;&nbsp;86 | &nbsp;&nbsp;2025CO36 | &nbsp;&nbsp;136 | &nbsp;&nbsp;2025IN36 |
| &nbsp;&nbsp;37 | &nbsp;&nbsp;2025BL37 | &nbsp;&nbsp;87 | &nbsp;&nbsp;2025CO37 | &nbsp;&nbsp;137 | &nbsp;&nbsp;2025IN37 |
| &nbsp;&nbsp;38 | &nbsp;&nbsp;2025BL38 | &nbsp;&nbsp;88 | &nbsp;&nbsp;2025CO38 | &nbsp;&nbsp;138 | &nbsp;&nbsp;2025IN38 |
| &nbsp;&nbsp;39 | &nbsp;&nbsp;2025BL39 | &nbsp;&nbsp;89 | &nbsp;&nbsp;2025CO39 | &nbsp;&nbsp;139 | &nbsp;&nbsp;2025IN39 |
| &nbsp;&nbsp;40 | &nbsp;&nbsp;2025BL40 | &nbsp;&nbsp;90 | &nbsp;&nbsp;2025CO40 | &nbsp;&nbsp;140 | &nbsp;&nbsp;2025IN40 |
| &nbsp;&nbsp;41 | &nbsp;&nbsp;2025BL41 | &nbsp;&nbsp;91 | &nbsp;&nbsp;2025CO41 | &nbsp;&nbsp;141 | &nbsp;&nbsp;2025IN41 |
| &nbsp;&nbsp;42 | &nbsp;&nbsp;2025BL42 | &nbsp;&nbsp;92 | &nbsp;&nbsp;2025CO42 | &nbsp;&nbsp;142 | &nbsp;&nbsp;2025IN42 |
| &nbsp;&nbsp;43 | &nbsp;&nbsp;2025BL43 | &nbsp;&nbsp;93 | &nbsp;&nbsp;2025CO43 | &nbsp;&nbsp;143 | &nbsp;&nbsp;2025IN43 |
| &nbsp;&nbsp;44 | &nbsp;&nbsp;2025BL44 | &nbsp;&nbsp;94 | &nbsp;&nbsp;2025CO44 | &nbsp;&nbsp;144 | &nbsp;&nbsp;2025IN44 |
| &nbsp;&nbsp;45 | &nbsp;&nbsp;2025BL45 | &nbsp;&nbsp;95 | &nbsp;&nbsp;2025CO45 | &nbsp;&nbsp;145 | &nbsp;&nbsp;2025IN45 |
| &nbsp;&nbsp;46 | &nbsp;&nbsp;2025BL46 | &nbsp;&nbsp;96 | &nbsp;&nbsp;2025CO46 | &nbsp;&nbsp;146 | &nbsp;&nbsp;2025IN46 |
| &nbsp;&nbsp;47 | &nbsp;&nbsp;2025BL47 | &nbsp;&nbsp;97 | &nbsp;&nbsp;2025CO47 | &nbsp;&nbsp;147 | &nbsp;&nbsp;2025IN47 |
| &nbsp;&nbsp;48 | &nbsp;&nbsp;2025BL48 | &nbsp;&nbsp;98 | &nbsp;&nbsp;2025CO48 | &nbsp;&nbsp;148 | &nbsp;&nbsp;2025IN48 |
| &nbsp;&nbsp;49 | &nbsp;&nbsp;2025BL49 | &nbsp;&nbsp;99 | &nbsp;&nbsp;2025CO49 | &nbsp;&nbsp;149 | &nbsp;&nbsp;2025IN49 |
| &nbsp;&nbsp;50 | &nbsp;&nbsp;2025BL50 | &nbsp;&nbsp;100 | &nbsp;&nbsp;2025CO50 | &nbsp;&nbsp;150 | &nbsp;&nbsp;2025IN50 |

---

(\*) Each Responsible Party has assigned a unique identification number to each Receivable in the Initial Data File and Data File. The identification numbers referred to in this Exhibit are not the Responsible Parties' actual identification numbers.

**Exhibit B**

**Exceptions List – Initial Data File**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Selected <u>Receivable #</u> | &nbsp;&nbsp;<u>Credit Union</u> | &nbsp;&nbsp;Receivable <u>Number\*</u> | &nbsp;&nbsp;<u>Attribute</u> | &nbsp;&nbsp;Per <br> <u>Initial Data File</u> | &nbsp;&nbsp;Per <br> <u>Sources</u> |
| &nbsp;&nbsp;37 | &nbsp;&nbsp;Blaze | &nbsp;&nbsp;2025BL37 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;19.36% | &nbsp;&nbsp;Not available |
| &nbsp;&nbsp;33 | &nbsp;&nbsp;Blaze | &nbsp;&nbsp;2025BL33 | &nbsp;&nbsp;Presence of Title Document | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Not available |
| &nbsp;&nbsp;52 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO02 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;51.38% | &nbsp;&nbsp;24.00% |
| &nbsp;&nbsp;65 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO15 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;23.29% | &nbsp;&nbsp;21.98% |
| &nbsp;&nbsp;73 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO23 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;4.15% | &nbsp;&nbsp;3.00% |
| &nbsp;&nbsp;100 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO50 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;14.34% | &nbsp;&nbsp;9.00% |
| &nbsp;&nbsp;54 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO04 | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;36 | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;57 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO07 | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;72 | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;74 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO24 | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;72 | &nbsp;&nbsp;78 |
| &nbsp;&nbsp;81 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO31 | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;72 | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;99 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO49 | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;72 | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;72 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO22 | &nbsp;&nbsp;Model | &nbsp;&nbsp;S5 | &nbsp;&nbsp;A5 |
| &nbsp;&nbsp;92 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO42 | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp; $31165.37 | &nbsp;&nbsp; $31510.59 |
| &nbsp;&nbsp;93 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO43 | &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;April 18, 2023 | &nbsp;&nbsp;April 14, 2023 |
| &nbsp;&nbsp;129 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN29 | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;IN | &nbsp;&nbsp;MI |
| &nbsp;&nbsp;147 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN47 | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;IN | &nbsp;&nbsp;MI |
| &nbsp;&nbsp;118 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN18 | &nbsp;&nbsp;New/Used | &nbsp;&nbsp;New | &nbsp;&nbsp;Used |
| &nbsp;&nbsp;123 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN23 | &nbsp;&nbsp;New/Used | &nbsp;&nbsp;New | &nbsp;&nbsp;Used |
| &nbsp;&nbsp;124 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN24 | &nbsp;&nbsp;New/Used | &nbsp;&nbsp;New | &nbsp;&nbsp;Used |
| &nbsp;&nbsp;148 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN48 | &nbsp;&nbsp;New/Used | &nbsp;&nbsp;New | &nbsp;&nbsp;Used |

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**Exhibit C**

**Exceptions List – Data File**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Selected <u>Receivable #</u> | &nbsp;&nbsp;<u>Credit Union</u> | &nbsp;&nbsp;Receivable <u>Number\*</u> | &nbsp;&nbsp;<u>Attribute</u> | &nbsp;&nbsp;Per <br> <u>Data File</u> | &nbsp;&nbsp;Per <br> <u>Sources</u> |
| &nbsp;&nbsp;37 | &nbsp;&nbsp;Blaze | &nbsp;&nbsp;2025BL37 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;19.36% | &nbsp;&nbsp;Not available |
| &nbsp;&nbsp;33 | &nbsp;&nbsp;Blaze | &nbsp;&nbsp;2025BL33 | &nbsp;&nbsp;Presence of Title Document | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Not available |
| &nbsp;&nbsp;52 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO02 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;51.38% | &nbsp;&nbsp;24.00% |
| &nbsp;&nbsp;65 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO15 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;23.29% | &nbsp;&nbsp;21.98% |
| &nbsp;&nbsp;73 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO23 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;4.15% | &nbsp;&nbsp;3.00% |
| &nbsp;&nbsp;100 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO50 | &nbsp;&nbsp;DTI | &nbsp;&nbsp;14.34% | &nbsp;&nbsp;9.00% |
| &nbsp;&nbsp;72 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO22 | &nbsp;&nbsp;Model | &nbsp;&nbsp;S5 | &nbsp;&nbsp;A5 |
| &nbsp;&nbsp;92 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO42 | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp; $31165.37 | &nbsp;&nbsp; $31510.59 |
| &nbsp;&nbsp;93 | &nbsp;&nbsp;Consumers | &nbsp;&nbsp;2025CO43 | &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;April 18, 2023 | &nbsp;&nbsp;April 14, 2023 |
| &nbsp;&nbsp;129 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN29 | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;IN | &nbsp;&nbsp;MI |
| &nbsp;&nbsp;147 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN47 | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;IN | &nbsp;&nbsp;MI |
| &nbsp;&nbsp;118 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN18 | &nbsp;&nbsp;New/Used | &nbsp;&nbsp;New | &nbsp;&nbsp;Used |
| &nbsp;&nbsp;123 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN23 | &nbsp;&nbsp;New/Used | &nbsp;&nbsp;New | &nbsp;&nbsp;Used |
| &nbsp;&nbsp;124 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN24 | &nbsp;&nbsp;New/Used | &nbsp;&nbsp;New | &nbsp;&nbsp;Used |
| &nbsp;&nbsp;148 | &nbsp;&nbsp;Interra | &nbsp;&nbsp;2025IN48 | &nbsp;&nbsp;New/Used | &nbsp;&nbsp;New | &nbsp;&nbsp;Used |

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