Latitude Australia PL Series 2017-1 Trust Monthly Investor Report Report No: 9 Transaction overview Bloomberg Ticker: AUPL 2017-1 Report for the period ended: 31-Aug-18 Determination Date: Payment Date: Next Payment Date: 12-Sep-18 17-Sep-18 17-Oct-18 s: From: To: Collection Period: 01-Aug-18 31-Aug-18 Interest Period: 17-Aug-18 16-Sep-18 Note Class Currency Issuance Amount Outstanding Amount Maturity Date Interest Basis Initial Margin (%) Step-up Margin (%) A AUD 397,800,000.00 397,800,000.00 17-Jan-28 BBSW1M 1.2000% 0.2500% B AUD 67,200,000.00 67,200,000.00 17-Jan-28 BBSW1M 1.7500% N/A C AUD 48,000,000.00 48,000,000.00 17-Jan-28 BBSW1M 2.3000% N/A D AUD 32,400,000.00 32,400,000.00 17-Jan-28 BBSW1M 3.1500% N/A E AUD 54,600,000.00 54,600,000.00 17-Jan-28 BBSW1M 4.7500% N/A Seller Note AUD 51,000,000.00 51,000,000.00 N/A N/A N/A N/A Trust Assets Eligible Receivable Balance (as at 31-Aug-18): 608,361,527.08 Seller Notes 51,000,000.00 CRR Retention 8.3800% Latitude confirms that it will retain a material net economic interest of not less than 5%of the nominal value of the securitisation in accordance with Article 405 of the CRR and Article 51 of the AIFMR, by way of an originator's interest of not less than 5% of the nominal value of the securitised exposures. As at the reporting date, this retention is in the form of the Seller Notes. Transaction Events Substitution Termination Event Pro-Rata Pay Down Excess Spread Turbo Trigger FALSE FALSE FALSE Transaction Overview Page 1 of 14
Transaction Party Ratings Trustee Account Bank Liquidity Facility Provider Initial Hedging Provider Name Westpac Banking Corporation Westpac Banking Corporation Required Rating (Fitch & Moody's) Current Rating (Fitch & Moody's) Trigger Status Consequences of Trigger Breach F1/A, P-1/A2 F1+/AA-, P-1/Aa3 PASS Replacement within specified period F1/A, P-1 F1+/AA-, P-1 PASS Credit Agricole CIB F1/A, A3 F1/A+, A2 PASS Collateralisation or replacement within specified period Collateralisation, guarantor or replacement within specified period Counterparty Role Counterparty Contact Name Originator / Seller: Latitude Personal Finance Pty Limited Treasurer securitisation@latitude.com.au Servicer: Latitude Personal Finance Pty Limited Treasurer securitisation@latitude.com.au Trust Manager: KVD TM Pty Ltd Treasurer securitisation@latitude.com.au Trustee: Perpetual Corporate Trust Limited Manager, Transaction Mana securitisationops@perpetual.com.au Trustee Account Bank: Westpac Banking Corporation Not Applicable Not Applicable Initial Hedge Provider Credit Agricole CIB Not Applicable Not Applicable Contact E-mail Paul Varro Steven Mixter Key Contacts Contact E-mail paul.varro@latitudefinancial.com steven.mixter@latitudefinancial.com Transaction Overview Page 2 of 14
Latitude Australia PL Series 2017-1 Trust Monthly Investor Report Report No: 9 Notes Note Details Class A B C D E Seller Notes Denomination AUD AUD AUD AUD AUD AUD ISIN AU3FN0039178 AU3FN0039186 AU3FN0039194 AU3FN0039202 AU3FN0039210 N/A Moodys / Fitch (Original) Aaa /AAA Aa2/AA A2/NR Baa2/NR Ba2/NR NR/NR Moodys / Fitch (Current) Aaa /AAA Aa2/AA A2/NR Baa2/NR Ba2/NR NR/NR Pool Factor (Original) 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 Pool Factor (Current) 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 Pay Frequency Monthly Monthly Monthly Monthly Monthly Monthly Next Distribution Date 17-Oct-18 17-Oct-18 17-Oct-18 17-Oct-18 17-Oct-18 17-Oct-18 Interest Basis BBSW1M BBSW1M BBSW1M BBSW1M BBSW1M N/A Status Substitution Period Substitution Period Substitution Period Substitution Period Substitution Period Substitution Period First Distribution Date 17-Jan-18 17-Jan-18 17-Jan-18 17-Jan-18 17-Jan-18 17-Jan-18 Maturity Date 17-Jan-28 17-Jan-28 17-Jan-28 17-Jan-28 17-Jan-28 17-Jan-28 Amortisation Type Pass Through Pass Through Pass Through Pass Through Pass Through Pass Through Notes Opening Stated Amount Carryover Charge-Offs Charge-Offs Re-instatement of Carryover Charge-Offs Closing Stated Amount Class A 397,800,000.00 0.00 0.00 0.00 397,800,000.00 Class B 67,200,000.00 0.00 0.00 0.00 67,200,000.00 Class C 48,000,000.00 0.00 0.00 0.00 48,000,000.00 Class D 32,400,000.00 0.00 0.00 0.00 32,400,000.00 Class E 54,600,000.00 0.00 0.00 0.00 54,600,000.00 Seller 51,000,000.00 0.00 0.00 0.00 51,000,000.00 Current Period Rates Class A Class B Class C Class D Class E Rate (BBSW 1 Month) 1.8624% 1.8624% 1.8624% 1.8624% 1.8624% Margin 1.2000% 1.7500% 2.3000% 3.1500% 4.7500% All-in-Rate 3.0624% 3.6124% 4.1624% 5.0124% 6.6124% Coupon Details Class A Class B Class C Class D Class E Interest Due 1,034,654.91 206,174.02 169,689.07 137,930.26 306,634.20 Interest Paid 1,034,654.91 206,174.02 169,689.07 137,930.26 306,634.20 Unpaid Interest 0.00 0.00 0.00 0.00 0.00 Series 2017-1 Notes Page 3 of 14
Cashflow Waterfalls Sources of Funds (Income Collections) Sources of Funds (Principal Collections) Finance Charge Collections 9,160,734.95 Principal Collections 31,729,132.51 Recoveries from Write-off and Reallocated Receivables 880,028.40 Less: Substitution Reserve Draw 0.00 Other Income 63,994.09 Plus: Reimbursement of Principal Draw 0.00 Net Swap Settlement Proceeds 0.00 Reimbursement of Losses 3,194,409.50 Derivative Reserve Ledger Draw 0.00 Reimbursement of Carryover Charge-Offs 0.00 Tax Ledger Draw and Release 0.00 Excess Spread Turbo Amount 0.00 Principal Draw 0.00 Excess Note Proceeds 0.00 Liquidity Draw 0.00 Release from Substitution Ledger 238.76 Distribution Reserve Ledger Draw and Release 0.00 Clean-Up Amount 0.00 Total Available Income 10,104,757.44 Derivative Reserve Ledger Draw (Excess Balance) Total Available Principal Collections 0.00 34,923,780.77 Application of Total Available Income Application of Principal Collections Total Available Income: 10,104,757.44 Total Available Principal Collections: 34,923,780.77 Income Unitholder 0.00 Principal Draw 0.00 Tax Liabilities 0.00 Fund Acquisition of Receivables 0.00 Trustee & Security Trustee Fee 10,947.50 Deposit to Substitution Ledger 34,923,780.77 Trust Expenses 25.19 Class A Notes Repayment Amount 0.00 Trust Manager Fee 50,925.79 Class B Notes Repayment Amount 0.00 Senior Servicing Fee 509,257.91 Class C Notes Repayment Amount 0.00 Back-Up Servicing Fee 1,100.00 Class D Notes Repayment Amount 0.00 Net Swap Amount Paid 67,316.71 Class E Notes Repayment Amount 0.00 Liquidity Facility Interest & Fees 4,648.42 Seller Notes Repayment Amount 0.00 Liquidity Draws Outstanding 0.00 Payments to the Originator and Unitholders 0.00 Class A Note Interest 1,034,654.91 Class B Note Interest 206,174.02 Class C Note Interest 169,689.07 Class D Note Interest 137,930.26 Class E Note Interest 306,634.20 Principal Draw Reimbursement 0.00 Reimbursement of Losses (preceding Collection Period) 3,194,409.50 Derivative Reserve Ledger Allocation 500,000.00 Reimburse Derivative Reserve Draw 0.00 Excess Spread Turbo Amount 0.00 Carryover Charge-Offs (Class A) 0.00 Carryover Charge-Offs (Class B) 0.00 Carryover Charge-Offs (Class C) 0.00 Carryover Charge-Offs (Class D) 0.00 Carryover Charge-Offs (Class E) 0.00 Carryover Charge-Offs (Seller) 0.00 Junior Servicing Fee 3,159,310.03 Any other amounts payable to the Liquidity Facility Provider 0.00 Subordinated Swap Termination Payment 0.00 Accrual Adjustment Payable 751,733.93 Payments to the Originator and Unitholders 0.00 Series 2017-1 Notes Page 4 of 14
Bank Account Ledgers Principal Draw Ledger Liquidity Facility Ledger Principal Draws Outstanding 0.00 Carryover balance of Liquidity Draws 0.00 Principal Draw 0.00 Liquidity Draw 0.00 Reimbursement of Principal Draws 0.00 Repayment of Liquidity Draw 0.00 Carry over Balance of Principal Draws 0.00 Closing Balance of Liquidity Draw 0.00 Substitution Ledger Liquidity Facility Limit 9,121,903.66 Opening Balance of the Substitution Reserve Ledger 32,140,135.52 Undrawn Liquidity Amount 9,121,903.66 Substitution Reserve Ledger Draw (32,139,896.76) Release of the Substitution Reserve Ledger (238.76) Derivative Reserve Ledger Deposit to the Substitution Reserve Ledger 34,923,780.77 Opening Balance of Derivative Reserve Ledger 13,000,000.00 Closing Balance of the Substitution Reserve Ledger 34,923,780.77 Derivative Reserve Ledger Required Draw 0.00 Derivative Reserve Ledger Excess Draw 0.00 Excess Spread Turbo Ledger Derivative Reserve Ledger Allocation 500,000.00 Opening Balance of the Excess Spread Turbo Ledger 0.00 Closing Balance of Derivative Reserve Ledger 13,500,000.00 Deposit to the Excess Spread Turbo Ledger 0.00 Excess Spread Turbo Ledger Draw 0.00 Closing Balance of the Excess Spread Turbo Ledger 0.00 Series 2017-1 Notes Page 5 of 14
Latitude Australia PL Series 2017-1 Trust Monthly Investor Report Report No: 9 Collection Period Start Collection Period End 01-Aug-18 31-Aug-18 Portfolio Parameters Outstanding Principal Balance of Receivables with term > 72 months Outstanding Principal Balance of all Receivables A/B % Parameter Aug-18 92,312,236.46 608,361,527.08 15.1739% 37.5000% Jul-18 103,436,692.13 611,109,493.88 16.9260% 37.5000% Jun-18 108,541,335.44 609,580,455.46 17.8059% 37.5000% May-18 115,580,216.94 607,940,952.76 19.0118% 37.5000% Apr-18 126,830,480.98 613,818,994.93 20.6625% 37.5000% Mar-18 134,488,549.92 607,816,023.49 22.1265% 37.5000% Feb-18 146,266,767.55 612,300,630.25 23.8881% 37.5000% Jan-18 157,796,220.19 613,147,183.01 25.7355% 37.5000% Dec-17 167,217,486.25 608,065,203.34 27.4999% 37.5000% Outstanding Principal Balance of Receivables > A$35,000 Outstanding Principal Balance of all Receivables A/B % Parameter Aug-18 30,905,184.52 608,361,527.08 5.0801% 10.0000% Jul-18 32,901,365.16 611,109,493.88 5.3839% 10.0000% Jun-18 33,420,122.35 609,580,455.46 5.4825% 10.0000% May-18 35,283,605.93 607,940,952.76 5.8038% 10.0000% Apr-18 36,927,120.05 613,818,994.93 6.0160% 10.0000% Mar-18 37,867,782.21 607,816,023.49 6.2301% 10.0000% Feb-18 41,077,828.49 612,300,630.25 6.7088% 10.0000% Jan-18 43,088,353.43 613,147,183.01 7.0274% 10.0000% Dec-17 44,067,423.39 608,065,203.34 7.2472% 10.0000% Outstanding Principal Balance of Receivables GECO Grade = CR3 Outstanding Principal Balance of all Receivables A/B % Parameter Aug-18 170,838,562.87 608,361,527.08 28.0817% 32.5000% Jul-18 172,504,762.53 611,109,493.88 28.2281% 32.5000% Jun-18 172,971,678.78 609,580,455.46 28.3755% 32.5000% May-18 173,170,708.11 607,940,952.76 28.4848% 32.5000% Apr-18 175,569,481.27 613,818,994.93 28.6028% 32.5000% Mar-18 175,230,018.77 607,816,023.49 28.8295% 32.5000% Feb-18 176,935,592.62 612,300,630.25 28.8968% 32.5000% Jan-18 177,043,547.83 613,147,183.01 28.8746% 32.5000% Dec-17 175,416,950.54 608,065,203.34 28.8484% 32.5000% Key Performance Indicators Page 6 of 14
Outstanding Principal Balance of Receivables GECO Grade = CR4 Outstanding Principal Balance of all Receivables A/B % Parameter Aug-18 28,839,617.33 608,361,527.08 4.7405% 8.0000% Jul-18 29,213,338.33 611,109,493.88 4.7804% 8.0000% Jun-18 29,588,004.25 609,580,455.46 4.8538% 8.0000% May-18 29,990,012.49 607,940,952.76 4.9330% 8.0000% Apr-18 30,972,645.00 613,818,994.93 5.0459% 8.0000% Mar-18 31,598,779.95 607,816,023.49 5.1987% 8.0000% Feb-18 32,164,777.97 612,300,630.25 5.2531% 8.0000% Jan-18 31,949,304.04 613,147,183.01 5.2107% 8.0000% Dec-17 31,673,755.18 608,065,203.34 5.2089% 8.0000% Outstanding Principal Balance of Receivables not in NSW, VIC or QLD Outstanding Principal Balance of all Receivables A/B % Parameter Aug-18 149,120,862.42 608,361,527.08 24.5119% 30.0000% Jul-18 148,563,010.45 611,109,493.88 24.3104% 30.0000% Jun-18 147,915,101.63 609,580,455.46 24.2651% 30.0000% May-18 147,067,603.20 607,940,952.76 24.1911% 30.0000% Apr-18 148,438,410.02 613,818,994.93 24.1828% 30.0000% Mar-18 145,770,741.15 607,816,023.49 23.9827% 30.0000% Feb-18 146,616,962.55 612,300,630.25 23.9453% 30.0000% Jan-18 146,158,688.65 613,147,183.01 23.8375% 30.0000% Dec-17 144,348,417.75 608,065,203.34 23.7390% 30.0000% Weighted Average APR of all Receivables B (Fixed) % C ( Fixed Rate Payable under IRS + 11.5 %) Parameter Aug-18 16.1868% 13.0000% 13.4945% 13.4945% Jul-18 16.2238% 13.0000% 13.4945% 13.4945% Jun-18 16.2571% 13.0000% 13.4945% 13.4945% May-18 16.2863% 13.0000% 13.4945% 13.4945% Apr-18 16.3432% 13.0000% 13.4945% 13.4945% Mar-18 16.3914% 13.0000% 13.4945% 13.4945% Feb-18 16.4440% 13.0000% 13.4945% 13.4945% Jan-18 16.4644% 13.0000% 13.4945% 13.4945% Dec-17 16.4973% 13.0000% 13.4945% 13.4945% Key Performance Indicators Page 7 of 14
Substitution Termination Triggers Outstanding Principal Balance at Beginning of Collection Period Delinquent Receivables 90+ as at last day of Collection Period Delinquency Ratio of 90+ (B/A) % Arrears Ratio 90+ (3 Months) Aug-18 611,109,493.88 2,502,051.49 0.4094% 0.4677% Jul-18 609,580,455.46 2,982,583.14 0.4893% 0.5280% Jun-18 607,940,952.76 3,065,961.14 0.5043% 0.5378% May-18 613,818,994.93 3,624,124.28 0.5904% 0.5565% Apr-18 607,816,023.49 3,152,200.19 0.5186% 0.5359% Mar-18 612,300,630.25 3,431,847.79 0.5605% 0.5298% Feb-18 613,147,183.01 3,241,990.53 0.5287% 0.5031% Jan-18 608,065,203.34 3,041,962.00 0.5003% 0.4903% Dec-17 641,999,737.86 3,083,543.73 0.4803% 0.4803% Excess Spread Turbo Triggers Outstanding Principal Balance at Beginning of Collection Period Net Charge-offs in Collection Period Loss Ratio B/A % Average Monthly Loss Ratio (3 Months) Aug-18 611,109,493.88 2,314,381.10 0.3787% 0.4067% Jul-18 609,580,455.46 2,263,488.70 0.3713% 0.4348% Jun-18 607,940,952.76 2,856,872.33 0.4699% 0.4440% May-18 613,818,994.93 2,842,193.32 0.4630% 0.4675% Apr-18 607,816,023.49 2,424,606.14 0.3989% 0.4536% Mar-18 612,300,630.25 3,310,030.12 0.5406% 0.4753% Feb-18 613,147,183.01 2,583,516.71 0.4214% 0.4530% Jan-18 608,065,203.34 2,821,226.44 0.4640% 0.4688% Dec-17 641,999,737.86 3,040,703.15 0.4736% 0.4736% Outstanding Principal Balance at Beginning of Collection Period Delinquent Receivables 60+ as at last day of Collection Period Delinquency Ratio of 60+ (B/A) % Arrears Ratio 60+ (3 Months) Aug-18 611,109,493.88 6,935,199.97 1.1349% 1.2979% Jul-18 609,580,455.46 8,276,678.63 1.3578% 1.4234% Jun-18 607,940,952.76 8,517,919.65 1.4011% 1.4902% May-18 613,818,994.93 9,276,481.54 1.5113% 1.5187% Apr-18 607,816,023.49 9,470,979.97 1.5582% 1.5681% Mar-18 612,300,630.25 9,102,819.00 1.4867% 1.5394% Feb-18 613,147,183.01 10,174,763.51 1.6594% 1.4666% Jan-18 608,065,203.34 8,952,278.36 1.4723% 1.3702% Dec-17 641,999,737.86 8,141,721.47 1.2682% 1.2682% Key Performance Indicators Page 8 of 14
Pro-Rata Paydown Triggers Outstanding Principal Balance of Acquired Receivables at Cut-Off Date Aggregate Net Charge-offs Loss Ratio (B/A)% Aug-18 900,297,979.26 24,457,018.01 2.7165% Jul-18 868,158,082.50 22,142,636.91 2.5505% Jun-18 834,553,534.34 19,879,148.21 2.3820% May-18 799,493,456.88 17,022,275.88 2.1291% Apr-18 770,417,516.04 14,180,082.56 1.8406% Mar-18 735,620,148.10 11,755,476.42 1.5980% Feb-18 705,256,882.08 8,445,446.30 1.1975% Jan-18 675,987,525.75 5,861,929.59 0.8672% Dec-17 641,999,737.86 3,040,703.15 0.4736% Loan Additions (Substitution Period) No. of Loans Added Principal Balance of Receivables Added at Cut-off Date Aug-18 1,928 32,139,896.76 Jul-18 1,996 33,604,548.16 Jun-18 2,154 35,060,077.46 May-18 1,823 29,075,940.84 Apr-18 2,186 34,797,367.94 Mar-18 1,937 30,363,266.02 Feb-18 1,914 29,269,356.33 Jan-18 2,173 33,987,787.89 Dec-17 0 0.00 Key Performance Indicators Page 9 of 14
Repurchased Loans Reason No. of Loans Repurchased Principal Balance of Receivables Aug-18 Defaulted Accounts 258 0.00 Aug-18 Hardship Accounts 37 656,015.87 Jul-18 Defaulted Accounts 251 0.00 Jul-18 Hardship Accounts 61 1,083,769.39 Jun-18 Defaulted Accounts 290 0.00 Jun-18 Hardship Accounts 78 1,182,164.86 May-18 Defaulted Accounts 290 0.00 May-18 Hardship Accounts 53 846,340.65 Apr-18 Defaulted Accounts 480 0.00 Apr-18 Hardship Accounts 35 501,655.64 Mar-18 Defaulted Accounts 335 0.00 Mar-18 Hardship Accounts 38 619,338.93 Feb-18 Defaulted Accounts 282 0.00 Feb-18 Hardship Accounts 43 686,217.32 Jan-18 Defaulted Accounts 266 0.00 Jan-18 Hardship Accounts 37 591,355.67 Dec-17 Defaulted Accounts 247 0.00 Dec-17 Hardship Accounts 44 768,033.44 Key Performance Indicators Page 10 of 14
Latitude Australia PL Series 2017-1 Trust Strat Tables Report No: 9 Collection Period Start 01-Aug-18 Collection Period End 31-Aug-18 No. of Days in Collection Period 31 Interest Period Start 17-Aug-18 Interest Period End 16-Sep-18 No. of Days in Interest Period 31 Determination Date Payment Date 12-Sep-18 17-Sep-18 Portfolio Summary Opening Outstanding Balance of Receivables 641,999,737.86 Opening No. of Loans 42,798 Closing Outstanding Balance of Receivables 608,361,527.08 Closing No. of Loans 42,784 Weighted Average Seasoning 23.90 Max. Loan Size 62,294.42 Average Loan Size 14,219.37 W.A. Remaining Term 54.04 Weighted Average APR 16.1868% Loan Age Distribution Loan Age Balance % Balance Loan Count % Loan Count < 1 years 150,533,746.09 24.74% 8,098 18.93% 1-2 years 228,885,105.77 37.62% 13,721 32.07% 2-3 years 110,910,161.55 18.23% 8,143 19.03% 3-4 years 53,789,284.39 8.84% 4,733 11.06% 4-5 years 37,989,326.55 6.24% 4,173 9.75% 5-6 years 16,838,339.21 2.77% 2,294 5.36% > 6 years 9,415,563.52 1.55% 1,622 3.79% Total 608,361,527.08 100.00% 42,784 100.00% > 6 years 5-6 years 4-5 years 3-4 years 2-3 years 1-2 years < 1 years 0 50,000,000 100,000,000 150,000,000 200,000,000 250,000,000 Portfolio Strats Page 11 of 14
Balance Distribution Current Balance Balance % Balance Loan Count % Loan Count <= $0 0.00 0.00% 191 0.45% $0 > and <= $5,000 19,270,100.31 3.17% 7,113 16.63% $5,000 > and <= $10,000 72,062,255.88 11.85% 9,569 22.37% $10,000 > and <= $15,000 102,220,401.68 16.80% 8,197 19.16% $15,000 > and <= $20,000 109,491,199.54 18.00% 6,281 14.68% $20,000 > and <= $25,000 115,948,811.72 19.06% 5,175 12.10% $25,000 > and <= $30,000 95,787,236.00 15.75% 3,509 8.20% $30,000 > and <= $35,000 62,676,337.43 10.30% 1,946 4.55% $35,000 > and <= $40,000 22,640,235.16 3.72% 614 1.44% $40,000 > and <= $45,000 5,912,336.51 0.97% 141 0.33% $45,000 > and <= $50,000 1,596,228.20 0.26% 34 0.08% > $50,000 756,384.65 0.12% 14 0.03% Total 608,361,527.08 100.00% 42,784 100.00% > $50,000 $45,000 > and <= $50,000 $40,000 > and <= $45,000 $35,000 > and <= $40,000 $30,000 > and <= $35,000 $25,000 > and <= $30,000 $20,000 > and <= $25,000 $15,000 > and <= $20,000 $10,000 > and <= $15,000 $5,000 > and <= $10,000 $0 > and <= $5,000 0 50,000,000 100,000,000 150,000,000 Loan Purpose Loan Purpose Balance % Balance Loan Count % Loan Count Vehicle Purchase & Repair 57,402,699.24 9.44% 4,874 11.39% Recreational Vehicles 1,019,440.76 0.17% 147 0.34% Debt Consolidation 134,091,886.87 22.04% 10,621 24.82% Education 4,537,395.02 0.75% 382 0.89% Home Improvements & Furnishings 93,423,572.71 15.36% 6,415 14.99% Medical & Dental 2,664,912.23 0.44% 295 0.69% Refinance 212,548,101.40 34.94% 11,721 27.40% Travel 37,665,842.42 6.19% 3,607 8.43% Other 65,007,676.43 10.69% 4,722 11.04% Total 608,361,527.08 100.00% 42,784.00 100.00% Vehicle Purchase & Repair Recreational Vehicles Debt Consolidation Education Home Improvements & Furnishings Medical & Dental Refinance Travel Other APR Distribution APR Balance % Balance Loan Count % Loan Count <=5% 12,916,410.63 2.12% 807 1.89% 5%> and <= 10% 30,030,877.76 4.94% 1,809 4.23% 10%> and <= 15% 302,268,223.12 49.69% 17,494 40.89% 15%> and <= 20% 153,523,934.24 25.24% 11,029 25.78% 20%> and <= 25% 63,045,831.03 10.36% 5,447 12.73% 25%> and <= 30% 41,736,775.11 6.86% 5,294 12.37% >30% 4,839,475.19 0.80% 904 2.11% Total 608,361,527.08 100.00% 42,784 100.00% >30% 25%> and <= 30% 20%> and <= 25% 15%> and <= 20% 10%> and <= 15% 5%> and <= 10% <=5% 0 100,000,000 200,000,000 300,000,000 400,000,000 Portfolio Strats Page 12 of 14
Remaining Term Distribution Remaining Term Balance % Balance Loan Count % Loan Count <= 12 Months 7,800,099.65 1.28% 2,951 6.90% 12 Months > and <= 18 Months 12,316,594.95 2.02% 2,473 5.78% 18 Months > and <= 24 Months 19,697,548.10 3.24% 2,788 6.52% 24 Months > and <= 30 Months 32,947,995.94 5.42% 3,633 8.49% 30 Months > and <= 36 Months 39,060,507.59 6.42% 3,458 8.08% 36 Months > and <= 42 Months 45,619,355.33 7.50% 3,492 8.16% 42 Months > and <= 48 Months 60,743,262.10 9.98% 3,994 9.34% 48 Months > and <= 54 Months 67,897,880.32 11.16% 4,127 9.65% 54 Months > and <= 60 Months 59,898,870.86 9.85% 3,370 7.88% 60 Months > and <= 66 Months 74,181,053.02 12.19% 3,780 8.84% 66 Months > and <= 72 Months 95,886,122.76 15.76% 4,536 10.60% > 72 Months 92,312,236.46 15.17% 4,182 9.77% Total 608,361,527.08 100.00% 42,784 100.00% > 72 Months 66 Months > and <= 72 Months 60 Months > and <= 66 Months 54 Months > and <= 60 Months 48 Months > and <= 54 Months 42 Months > and <= 48 Months 36 Months > and <= 42 Months 30 Months > and <= 36 Months 24 Months > and <= 30 Months 18 Months > and <= 24 Months 12 Months > and <= 18 Months <= 12 Months 0 40,000,000 80,000,000 120,000,000 Loan GECO Grade GECO Risk Grade Balance % Balance Loan Count % Loan Count CR1 81,095,627.54 13.33% 5,009 11.71% CR2 327,587,719.34 53.85% 20,014 46.78% CR3 170,838,562.87 28.08% 14,209 33.21% CR4 28,839,617.33 4.74% 3,552 8.30% Total 608,361,527.08 100.00% 42,784 100.00% 0 Arrears Days CR4 CR3 CR2 CR1 0 50,000,000 100,000,000150,000,000200,000,000250,000,000300,000,000350,000,000 Arrears Band Balance % Balance Loan Count % Loan Count Current 563,102,747.16 92.56% 39,416 92.13% 1-30 days 29,551,976.92 4.86% 2,161 5.05% 31-60 days 8,771,603.03 1.44% 656 1.53% 61-90 days 4,433,148.48 0.73% 355 0.83% 91-120 days 2,502,051.49 0.41% 196 0.46% >120 days 0.00 0.00% 0 0.00% Total 608,361,527.08 100.00% 42,784 100.00% 30,000,000 25,000,000 20,000,000 15,000,000 10,000,000 5,000,000 0 1-30 days 31-60 days 61-90 days 91-120 days >120 days Portfolio Strats Page 13 of 14
State Distribution Location Balance % Balance Loan Count % Loan Count NSW 159,313,864.22 26.19% 11,405 26.66% VIC 123,951,226.18 20.37% 8,878 20.75% QLD 175,975,574.26 28.93% 12,168 28.44% SA 36,081,911.80 5.93% 2,575 6.02% WA 79,724,815.66 13.10% 5,377 12.57% TAS 15,351,340.54 2.52% 1,129 2.64% NT 8,147,550.23 1.34% 557 1.30% ACT 9,815,244.19 1.61% 695 1.62% Total 608,361,527.08 100.00% 42,784 100.00% NSW VIC QLD SA WA TAS NT ACT Portfolio Strats Page 14 of 14