# EDGAR Filing Document

**Accession Number:** 0001754388
**File Stem:** 0001213900-23-014520
**Filing Date:** 2023-2
**Character Count:** 22619
**Document Hash:** 0470df65bb4df3e9db0cd13f6731bd1f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-23-014520.hdr.sgml**: 20230227

**ACCESSION NUMBER**: 0001213900-23-014520

**CONFORMED SUBMISSION TYPE**: 10-D

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20230131

**FILED AS OF DATE**: 20230227

**DATE AS OF CHANGE**: 20230227

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AmeriCredit Automobile Receivables Trust 2018-3
- **CENTRAL INDEX KEY:** 0001754388
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]

**FILING VALUES:**
- **FORM TYPE:** 10-D
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-206924-11
- **FILM NUMBER:** 23669868

**BUSINESS ADDRESS:**
- **STREET 1:** 2215-B RENAISSANCE DRIVE, SUITE 10
- **CITY:** LAS VEGAS
- **STATE:** NV
- **ZIP:** 89119
- **BUSINESS PHONE:** 702-932-4914

**MAIL ADDRESS:**
- **STREET 1:** 2215-B RENAISSANCE DRIVE, SUITE 10
- **CITY:** LAS VEGAS
- **STATE:** NV
- **ZIP:** 89119

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> 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

January 1, 2023 to January 31, 2023

Commission File Number of issuing entity: 333-206924-11

CIK number of issuing entity: 0001754388

**<u>AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 2018-3</u>**

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

Commission File Number of depositor: 333-206924

CIK number of depositor: 0001347185

**<u>AFS SENSUB CORP.</u>**

(Exact name of depositor as specified in its charter)

CIK number of sponsor: 0001002761

 **<u>AMERICREDIT FINANCIAL SERVICES, INC.</u>**

(Exact name of sponsor as specified in its charter)

**<u>Randal L. Willis (817) 302-7000</u>**

(Name and telephone number of person to contact in connection with this filing)

---

| | |
|:---|:---|
| Delaware | 83-6393615 |
| (State or other jurisdiction of incorporation or<br> organization of the issuing entity) | (I.R.S. Employer Identification No.) |
| c/o AmeriCredit Financial Services, Inc.<br> 801 Cherry Street, Suite 3500<br> Fort Worth, TX 76102 | 76102 |
| (Address of principal executive offices<br> of issuing entity) | (Zip Code) |

---

<u>(817) 302-7000</u>

(Telephone number, including area code)

<u>N/A</u>

(Former name, former address, if changed since last report)

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Registered/reported pursuant to (check one)** | &nbsp;&nbsp;**Registered/reported pursuant to (check one)** | &nbsp;&nbsp;**Registered/reported pursuant to (check one)** | &nbsp;&nbsp;**Name of exchange** |
| &nbsp;&nbsp;**Title of Class** | &nbsp;&nbsp;**Section 12(b)** | &nbsp;&nbsp;**Section 12(g)** | &nbsp;&nbsp;**Section 15(d)** | &nbsp;&nbsp;**(If Section 12(b))** |
| &nbsp;&nbsp;Class A-1 | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☒ |  |
| &nbsp;&nbsp;Class A-2-A | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☒ |  |
| &nbsp;&nbsp;Class A-2-B | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☒ |  |
| &nbsp;&nbsp;Class A-3 | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☒ |  |
| &nbsp;&nbsp;Class B | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☒ |  |
| &nbsp;&nbsp;Class C | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☒ |  |
| &nbsp;&nbsp;Class D | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☐ | &nbsp;&nbsp;☒ |  |

---

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

The record date for distributions described in Exhibit 99.1 was February 17, 2023.

No assets securitized by AmeriCredit Financial Services, Inc. (the "Securitizer") and held by AmeriCredit Automobile Receivables Trust 2018-3 were the subject of a demand to repurchase or replace for breach of the representations and warranties during the distribution period from January 1, 2023 to January 31, 2023.

The Securitizer (CIK # 0001002761) filed Form ABS-15G on February 1, 2023.

**Item 1A. – Asset-Level Information.**

The response to Item 1A is set forth in Exhibit 102.1 and Exhibit 103.1 each of which is incorporated by reference into this Form 10-D as described in Item 10.

**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]**

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1 [Monthly Servicer's Certificate](ea150103_ex99-1.htm)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;102.1 [Asset Data File, dated as of February 23, 2023 for the reporting period January 1, 2023 to January 31, 2023 (See Exhibit 102.1 to Form ABS-EE filed by AmeriCredit Automobile Receivables Trust 2018-3 with the SEC on February 23, 2023, which is incorporated by reference herein).](http://www.sec.gov/Archives/edgar/data/1754388/000175438823000006/exh1025910012023.xml)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;103.1 [Asset Related Document, dated as of February 23, 2023 for the reporting period January 1, 2023 to January 31, 2023 (See Exhibit 103.1 to Form ABS-EE filed by AmeriCredit Automobile Receivables Trust 2018-3 with the SEC on February 23, 2023, which is incorporated by reference herein).](http://www.sec.gov/Archives/edgar/data/1754388/000175438823000006/exh103loanv2.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.

<u>AMERICREDIT AUTOMOBILE RECEIVABLES TRUST 2018-3</u>

(Issuing Entity)

Dated: February 27, 2023

---

| | |
|:---|:---|
| By: AmeriCredit Financial Services, Inc., as Servicer | By: AmeriCredit Financial Services, Inc., as Servicer |
| By: | /s/ Randal L. Willis |
| Name: | Randal L. Willis |
| Title: | Senior Vice President, Securitization & <br>Conduit Reporting |

---

## Exhibit 99.1

**Exhibit 99.1**

AmeriCredit Automobile Receivables Trust 2018-3

Class A-1 2.70676% Asset Backed Notes

Class A-2A 3.11% Asset Backed Notes

Class A-2B Floating Rate Asset Backed Notes

Class A-3 3.38% Asset Backed Notes

Class B 3.58% Asset Backed Notes

Class C 3.74% Asset Backed Notes

Class D 4.04% Asset Backed Notes

Class E 0.00% Asset Backed Notes

Servicer's Certificate

This Servicer's Certificate has been prepared pursuant to Section 4.9 of the Sale and Servicing Agreement among AmeriCredit Automobile Receivables Trust 2018-3, as Issuer, AmeriCredit Financial Services, Inc., as Servicer, AFS SenSub Corp., as Seller, and Citibank,N.A., as the Trust Collateral Agent, dated as of October 3, 2018. Defined terms have the meanings assigned to them in the Sale and Servicing Agreement or in other Transaction Documents.

---

| | |
|:---|:---|
| **Monthly Period Beginning:** | 01/01/2023 |
| **Monthly Period Ending:** | 01/31/2023 |
| **Prev. Distribution/Close Date:** | 01/18/2023 |
| **Distribution Date:** | 02/21/2023 |
| **Days of Interest for Period:** | 34 |
| **Days in Collection Period:** | 31 |
| **Transaction Month:** | 51 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| <br>**Purchases** |<br>**Units** | <br>**Start Date** | <br>**Closing Date** | **Original**<br>**Pool Balance** |
| **Initial Purchase** | 48286 | 10/04/2018 | 11/21/2018 | $1088999608 |
| **Total** | 48286 |  |  | $1088999608 |

---

**MONTHLY PERIOD RECEIVABLES PRINCIPAL BALANCE CALCULATION:**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **{1}** | Beginning of period Aggregate Principal Balance | Beginning of period Aggregate Principal Balance |  | **{1}** | $146242305 |
|  | Monthly Principal Amounts | Monthly Principal Amounts |  |  |  |
|  | **{2}** | Collections on Receivables outstanding at end of period | **{2}** | 5204480 |  |
|  | **{3}** | Collections on Receivables paid off during period | **{3}** | 1939361 |  |
|  | **{4}** | Receivables becoming Liquidated Receivables during period | **{4}** | 616783 |  |
|  | **{5}** | Receivables becoming Purchased Receivables during period | **{5}** | 0 |  |
|  | **{6}** | Other Receivables adjustments | **{6}** | 0 |  |
|  | **{7}** | Total Monthly Principal Amounts |  | **{7}** | 7760624 |
| **{8}** | End of period Aggregate Principal Balance | End of period Aggregate Principal Balance |  | **{8}** | $138481681 |
| **{9}** | Pool Factor | Pool Factor |  | **{9}** | 12.7164124% |

---

**MONTHLY PERIOD NOTE BALANCE CALCULATION:**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  | **Class A-1** | **Class A-2A** | **Class A-2B** | **Class A-3** | **Class B** |
| **{10}** | Original Note Balance | **{10}** | $161000000 | $240000000 | $65000000 | $261450000 | $78950000 |
| **{11}** | Beginning of period Note Balance | **{11}** | $0 | $0 | $0 | $0 | $0 |
| **{12}** | Noteholders' Principal Distributable Amount | **{12}** | 0 | 0 | 0 | 0 | 0 |
| **{13}** | Noteholders' Accelerated Principal Amount | **{13}** | 0 | 0 | 0 | 0 | 0 |
| **{14}** | Aggregate Principal Parity Amount | **{14}** | 0 | 0 | 0 | 0 | 0 |
| **{15}** | Matured Principal Shortfall | **{15}** |  |  |  |  |  |
| **{16}** | End of period Note Balance | **{16}** | $0 | $0 | $0 | $0 | $0 |
| **{17}** | Note Pool Factors | **{17}** | 0.0000000% | 0.0000000% | 0.0000000% | 0.0000000% | 0.0000000% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  | **Class C** | **Class D** | **Class E** | **TOTAL** |
|  |  |  | $98010000 | $96380000 | $25590000 | $1026380000 |
| **{18}** | Beginning of period Note Balance | **{18}** | $18827307 | $96380000 | $25590000 | $140797307 |
| **{19}** | Noteholders' Principal Distributable Amount | **{19}** | 5444998 | 0 | 0 | 5444998 |
| **{20}** | Noteholders' Accelerated Principal Amount | **{20}** | 0 | 0 | 0 | 0 |
| **{21}** | Aggregate Principal Parity Amount | **{21}** | 2315626 | 0 | 0 | 2315626 |
| **{22}** | Matured Principal Shortfall | **{22}** |  |  |  | 0 |
| **{23}** | End of period Note Balance | **{23}** | $11066683 | $96380000 | $25590000 | $133036683 |
| **{24}** | Note Pool Factors | **{24}** | 11.2913815% | 100.0000000% | 100.0000000% | 12.9617377% |

---

**CALCULATION OF STEP-DOWN AMOUNT:**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **{25}** | Ending Pool Balance | **{25}** |  | $138481681 |  |
| **{26}** | 14.75 % of Ending Aggregate Principal Balance | **{26}** | 20426048 |  |  |
| **{27}** | Less Specified Reserve Balance | **{27}** | (21779992) |  |  |
| **{28}** | Sum of {26} and {27} | **{28}** | 0 |  |  |
| **{29}** | Required Pro Forma Note Balance {25} - {28} | **{29}** |  | 138481681 |  |
| **{30}** | Beginning Note Balance | **{30}** | 140797307 |  |  |
| **{31}** | Total Monthly Principal Amount | **{31}** | (10076250) |  |  |
| **{32}** | Pro-Forma Note Balance (Assuming 100% Pay-down) | **{32}** |  | 130721057 |  |
| **{33}** | Excess of Required Pro-forma over Pro-forma Balance | **{33}** |  | 7760624 |  |
| **{34}** | Pool Balance minus Pro-forma Note Balance not less than .50% Original Pool Balance ($5444998) | **{34}** |  | 2315626 |  |
| **{35}** | Step-Down Amount Lesser of {33} or {34} | **{35}** |  |  | $2315626 |

---

**CALCULATION OF PRINCIPAL DISTRIBUTABLE AMOUNT:**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **{36}** | Total Monthly Principal Amounts | **{36}** | $7760624 |  |
| **{37}** | Step-down Amount | **{37}** | (2315626) |  |
| **{38}** | Principal Distributable Amount | **{38}** |  | $5444998 |

---

**CALCULATION OF INTEREST DISTRIBUTABLE AMOUNT:**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  | <br>**Class** | **Beginning**<br>**Note Balance** | **Interest**<br>**Carryover** | **Interest**<br>**Rate** | <br>**Days** | <br>**Days Basis** | **Calculated**<br>**Interest** |
| **{39}** | Class A - 1 | $0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2.706760% | 34 | Actual days/360 | 0 |
| **{40}** | Class A - 2A | $0 | 0 | 3.11000% | 30 | 30/360 | 0 |
| **{41}** | Class A - 2B | $0 | 0 | 0.25000% | 34 | Actual days/360 | 0 |
| **{42}** | Class A - 3 | $0 | 0 | 3.38000% | 30 | 30/360 | 0 |
| **{43}** | Class B | $0 | 0 | 3.58000% | 30 | 30/360 | 0 |
| **{44}** | Class C | $18827307 | 0 | 3.74000% | 30 | 30/360 | 58679 |
| **{45}** | Class D | $96380000 | 0 | 4.04000% | 30 | 30/360 | 324480 |
| **{46}** | Class E (1) | $25590000 | 0 | 4.14000% | 30 | 30/360 | 88286 |

---

(1) Prior to the 24th distribution date, interest will accrue at 0.00%. From and after the 24th distribution date, if on the 24th distribution
date target OC is met, interest will accrue at 4.14%, otherwise interest will accrue at 0.00%.

**RECONCILIATION OF COLLECTION ACCOUNT:**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Available Funds:** | **Available Funds:** |  | | |
| **{47}** | Principal Collections on Receivables during period (net of Liquidation Proceeds and Fees) | **{47}** | 7143841 |  |
| **{48}** | Interest Collections on Receivables during period (net of Liquidation Proceeds and Fees) | **{48}** | 1643305 |  |
| **{49}** | Liquidation Proceeds collected during period (net of Fees) | **{49}** | 309199 |  |
| **{50}** | Purchase Amounts or amounts from Servicer deposited in Collection Account | **{50}** | 0 |  |
| **{51}** | Investment Earnings - Collection Account | **{51}** | 30402 |  |
| **{52}** | From Reserve Acct - Investment Earnings, Reserve Acct Withdrawal, Excess Specified Reserve over Note Bal | **{52}** | 75152 |  |
| **{53}** | Collection of Supplemental Servicing - Extension Fees | **{53}** | 33127 |  |
| **{54}** | Collection of Supplemental Servicing - Repo and Recovery Fees Netted from Gross Liquidation Proceeds | **{54}** | 88327 |  |
| **{55}** | Collection of Supplemental Servicing - Late Fees, Prepayment Penalty Fees & Force Placed Insurance | **{55}** | 64571 |  |
| **{56}** | Total Available Funds | **{56}** |  | 9387924 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Distributions:** | **Distributions:** |  | | |
| **{57}** | Base Servicing Fee | **{57}** | 274204 |  |
| **{58}** | Repo and Recovery Fees - reimbursed to Servicer | **{58}** | 88327 |  |
| **{59}** | Bank Service Charges - reimbursed to Servicer | **{59}** | 0 |  |
| **{60}** | Late Fees, Prepayment Penalty Fees & Force Placed Insurance - to Servicer | **{60}** | 64571 |  |
| **{61}** | Trustee and Trust Collateral Agent Fees | **{61}** | 425 |  |
| **{62}** | Asset Representations Reviewer Fee | **{62}** | 0 |  |
| **{63}** | Owner Trustee Fee | **{63}** | 208 |  |
| **{64}** | Class A-1 Noteholders' Interest Distributable Amount pari passu | **{64}** | 0 |  |
| **{65}** | Class A-2A Noteholders' Interest Distributable Amount pari passu | **{65}** | 0 |  |
| **{66}** | Class A-2B Noteholders' Interest Distributable Amount pari passu | **{66}** | 0 |  |
| **{67}** | Class A-3 Noteholders' Interest Distributable Amount pari passu | **{67}** | 0 |  |
| **{68}** | Class A Noteholders' Principal Parity Amount or Matured Principal Shortfall | **{68}** | 0 |  |
| **{69}** | Class B Noteholders' Interest Distributable Amount | **{69}** | 0 |  |
| **{70}** | Class B Noteholders' Principal Parity Amount or Matured Principal Shortfall | **{70}** | 0 |  |
| **{71}** | Class C Noteholders' Interest Distributable Amount | **{71}** | 58679 |  |
| **{72}** | Class C Noteholders' Principal Parity Amount or Matured Principal Shortfall | **{72}** | 0 |  |
| **{73}** | Class D Noteholders' Interest Distributable Amount | **{73}** | 324480 |  |
| **{74}** | Class D Noteholders' Principal Parity Amount or Matured Principal Shortfall | **{74}** | 0 |  |
| **{75}** | Class E Noteholders' Interest Distributable Amount | **{75}** | 88286 |  |
| **{76}** | Class E Noteholders' Principal Parity Amount or Matured Principal Shortfall | **{76}** | 2315626 |  |
| **{77}** | Noteholders' Principal Distributable Amount | **{77}** | 5444998 |  |
| **{78}** | To the Reserve Account, the Reserve Account Deposit | **{78}** | 0 |  |
| **{79}** | To the Noteholders, the Accelerated Principal Amount (as calculated below) | **{79}** | 0 |  |
| **{80}** | Add'l fees (Trustee, ARR, Owner Trustee, Trust Collateral Agent, Lockbox Bank & Processor) | **{80}** | 0 |  |
| **{81}** | To the Certificateholders, the aggregate amount remaining | **{81}** | 728120 |  |
| **{82}** | Total Distributions | **{82}** |  | $9387924 |

---

**CALCULATION OF PRINCIPAL PARITY AMOUNT:**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | <br>**Class** | **(X)**<br>**Cumulative**<br>**Note Balance** | **(Y)**<br>**Pool**<br>**Balance** | **(I)**<br>**Excess of**<br>**(X) - (Y)** | **(II)**<br>**Available Funds**<br>**in Waterfall** |<br>**Lesser of**<br>**(I) or (II)** |
| **{83}** | Class A | $0 | $138481681 | $0 | $8960189 | $0 |
| **{84}** | Class B | 0 | 138481681 | 0 | 8960189 | 0 |
| **{85}** | Class C | 18827307 | 138481681 | 0 | 8901510 | 0 |
| **{86}** | Class D | 115207307 | 138481681 | 0 | 8577030 | 0 |
| **{87}** | Class E | 140797307 | 138481681 | 2315626 | 8488744 | 2315626 |

---

**CALCULATION OF ACCELERATED PRINCIPAL AMOUNT:**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **{88}** | Excess Available Funds | **{88}** | $728120 |  |
| **{89}** | Pro-Forma Note Balance (Calculated after Step-Down) | **{89}** | 133036683 |  |
| **{90}** | Required Pro Forma Note Balance | **{90}** | 138481681 |  |
| **{91}** | Excess of Pro-Forma Balance over Required Pro-Forma Balance | **{91}** | 0 |  |
| **{92}** | Lesser of Excess Available Funds or Excess of Pro-Forma Note Balance | **{92}** |  | $0 |

---

**RECONCILIATION OF RESERVE ACCOUNT:**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  |  |  | | **Current** |
| **{93}** | **Specified Reserve Balance** |  |  | $21779992 |
| **{94}** | Beginning of period Reserve Account balance | **{94}** |  | $21779992 |
| **{95}** | The Reserve Account Deposit, from Collection Account | **{95}** | 0 |  |
| **{96}** | Investment Earnings | **{96}** | 75152 |  |
| **{97}** | Investment Earnings - transferred to Collection Account Available Funds | **{97}** | (75152) |  |
| **{98}** | Reserve Account Withdrawal Amount | **{98}** | 0 |  |
| **{99}** | End of period Reserve Account balance | **{99}** |  | $21779992 |

---

**CALCULATION OF TOTAL OVERCOLLATERALIZATION:**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **{100}** | Aggregate Principal Balance | **{100}** | $138481681 |  |
| **{101}** | End of Period Note Balance | **{101}** | 133036683 |  |
| **{102}** | Overcollateralization | **{102}** | 5444998 |  |
| **{103}** | Overcollateralization % | **{103}** |  | 3.93% |

---

**MONTHLY PERIOD AND CUMULATIVE NUMBER OF RECEIVABLES CALCULATION:**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  |  |  | **Cumulative** | **Monthly** |
| **{104}** | Original Number of Receivables | **{104}** | 48286 | 0 |
| **{105}** | Beginning of period number of Receivables | **{105}** | 0 | 15413 |
| **{106}** | Number of Receivables becoming Liquidated Receivables during period | **{106}** | 7580 | 55 |
| **{107}** | Number of Receivables becoming Purchased Receivables during period | **{107}** | 153 | 0 |
| **{108}** | Number of Receivables paid off during period | **{108}** | 25456 | 261 |
| **{109}** | End of period number of Receivables | **{109}** | 15097 | 15097 |

---

**STATISTICAL DATA: (CURRENT AND HISTORICAL):**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  |  |  | **Original** | **Prev. Month** | **Current** |
| **{110}** | Weighted Average APR of the Receivables | **{110}** | 13.09% | 13.36% | 13.38% |
| **{111}** | Weighted Average Remaining Term of the Receivables | **{111}** | 70.00 | 22.56 | 21.65 |
| **{112}** | Weighted Average Original Term of Receivables | **{112}** | 71.00 | 71.00 | 71.00 |
| **{113}** | Average Receivable Balance | **{113}** | $22553 | $9488 | $9173 |
| **{114}** | Net Losses in Period | **{114}** | $0 | $489388 | $307584 |
| **{115}** | Aggregate Realized Losses | **{115}** | $0 | $58633908 | $58941492 |
| **{116}** | Aggregate Realized Loss Percentage | **{116}** |  | 5.384% | 5.412% |
| **{117}** | ABS Prepay Speed | **{117}** |  | 0.9353 | 0.8237 |

---

**DELINQUENCY:**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Receivables with Scheduled Payment delinquent | Receivables with Scheduled Payment delinquent |  | **Units** | **Dollars** | **Percentage** |
| **{118}** | 31-60 days | **{118}** | 1501 | $17943172 | 12.27% |
| **{119}** | 61-90 days | **{119}** | 345 | 4211549 | 2.88% |
| **{120}** | 91-120 days | **{120}** | 79 | 865608 | 0.59% |
| **{121}** | Total | **{121}** | 1925 | $23020329 | 15.74% |

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**ASSET REPRESENTATIONS REVIEW DELINQUENCY TRIGGER**

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| | | | | |
|:---|:---|:---|:---|:---|
|  |  |  | **Dollars** | **Percentage** |
| **{122}** | Receivables with Scheduled Payment delinquent 61 days or more | **{122}** | $5077157 | 3.47% |
| **{123}** | Compliance (Trigger Violation is a Delinquency Rate Greater Than 7.60%) | **{123}** |  | Yes |

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**EXTENSIONS**

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| | | | | |
|:---|:---|:---|:---|:---|
| **{124}** | Principal Balance of Receivables extended during current period | **{124}** | $3106724 |  |
| **{125}** | Beginning of Period Aggregate Principal Balance | **{125}** | 146242305 |  |
| **{126}** | Extension Rate {124} divided by {125} | **{126}** |  | 2.12% |

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| | |
|:---|:---|
| By: | /s/ Randal L. Willis |
| Name: | Randal L. Willis |
| Title: | Senior Vice President, Securitization & Conduit Reporting |
| Date: | February 15, 2023 |

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