Latitude Australia PL Series 2017-1 Trust Monthly Investor Report Report No: 13 Transaction overview Bloomberg Ticker: AUPL 2017-1 Report for the period ended: 31-Dec-18 Determination Date: Payment Date: Next Payment Date: 14-Jan-19 17-Jan-19 18-Feb-19 Reporting Periods: From: To: Collection Period: 01-Dec-18 31-Dec-18 Interest Period: 17-Dec-18 16-Jan-19 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-Dec-18): 614,245,427.41 Seller Notes 51,000,000.00 CRR Retention 8.3000% 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 20
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 Michael Donohue Key Contacts Contact E-mail paul.varro@latitudefinancial.com michael.donohue@latitudefinancial.com Transaction Overview Page 2 of 20
Latitude Australia PL Series 2017-1 Trust Monthly Investor Report Report No: 13 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 18-Feb-19 18-Feb-19 18-Feb-19 18-Feb-19 18-Feb-19 18-Feb-19 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) 1.9433% 1.9433% 1.9433% 1.9433% 1.9433% Margin 1.2000% 1.7500% 2.3000% 3.1500% 4.7500% All-in-Rate 3.1433% 3.6933% 4.2433% 5.0933% 6.6933% Coupon Details Class A Class B Class C Class D Class E Interest Due 1,061,987.59 210,791.30 172,987.13 140,156.45 310,385.74 Interest Paid 1,061,987.59 210,791.30 172,987.13 140,156.45 310,385.74 Unpaid Interest 0.00 0.00 0.00 0.00 0.00 Series 2017-1 Notes Page 3 of 20
Cashflow Waterfalls Sources of Funds (Income Collections) Sources of Funds (Principal Collections) Finance Charge Collections 8,588,242.99 Principal Collections 26,987,174.15 Recoveries from Write-off and Reallocated Receivables 890,035.17 Less: Substitution Reserve Draw 0.00 Other Income 63,375.04 Plus: Reimbursement of Principal Draw 0.00 Net Swap Settlement Proceeds 0.00 Reimbursement of Losses 2,857,683.21 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 66.16 Distribution Reserve Ledger Draw and Release 0.00 Clean-Up Amount 0.00 Total Available Income 9,541,653.20 Derivative Reserve Ledger Draw (Excess Balance) Total Available Principal Collections 0.00 29,844,923.52 Application of Total Available Income Application of Principal Collections Total Available Income: 9,541,653.20 Total Available Principal Collections: 29,844,923.52 Income Unitholder 0.00 Principal Draw 0.00 Tax Liabilities 0.00 Fund Acquisition of Receivables 29,844,403.02 Trustee & Security Trustee Fee 10,947.50 Deposit to Substitution Ledger 520.50 Trust Expenses 20,153.82 Class A Notes Repayment Amount 0.00 Trust Manager Fee 50,684.88 Class B Notes Repayment Amount 0.00 Senior Servicing Fee 506,848.78 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 26,090.96 Class E Notes Repayment Amount 0.00 Liquidity Facility Interest & Fees 4,631.09 Seller Notes Repayment Amount 0.00 Liquidity Draws Outstanding 0.00 Payments to the Originator and Unitholders 0.00 Class A Note Interest 1,061,987.59 Class B Note Interest 210,791.30 Class C Note Interest 172,987.13 Class D Note Interest 140,156.45 Class E Note Interest 310,385.74 Principal Draw Reimbursement 0.00 Reimbursement of Losses (preceding Collection Period) 2,857,683.21 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 3,041,092.67 Any other amounts payable to the Liquidity Facility Provider 0.00 Subordinated Swap Termination Payment 0.00 Accrual Adjustment Payable 626,112.08 Seller Note Interest 0.00 Series 2017-1 Notes Page 4 of 20
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 9,087,883.03 Opening Balance of the Substitution Reserve Ledger 35,574,943.67 Undrawn Liquidity Amount 9,087,883.03 Substitution Reserve Ledger Draw (35,574,877.51) Release of the Substitution Reserve Ledger (66.16) Derivative Reserve Ledger Deposit to the Substitution Reserve Ledger 520.50 Opening Balance of Derivative Reserve Ledger 15,000,000.00 Closing Balance of the Substitution Reserve Ledger 520.50 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 15,500,000.00 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 20
Latitude Australia PL Series 2017-1 Trust Monthly Investor Report Report No: 13 Collection Period Start Collection Period End 01-Dec-18 31-Dec-18 Portfolio Parameters Reporting Period Outstanding Principal Balance of Receivables with term > 72 months (A) Outstanding Principal Balance of all Receivables (B) A/B % Parameter Dec-18 84,265,577.20 614,245,427.41 13.7186% 37.5000% Nov-18 79,932,774.35 608,218,534.15 13.1421% 37.5000% Oct-18 79,647,263.38 608,333,320.36 13.0927% 37.5000% Sep-18 88,093,696.65 612,471,158.62 14.3833% 37.5000% 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% Key Performance Indicators Page 6 of 20
Reporting Period Outstanding Principal Balance of Receivables > A$35,000 (A) Outstanding Principal Balance of all Receivables (B) A/B % Parameter Dec-18 30,884,072.56 614,245,427.41 5.0280% 10.0000% Nov-18 30,056,379.94 608,218,534.15 4.9417% 10.0000% Oct-18 30,474,474.28 608,333,320.36 5.0095% 10.0000% Sep-18 30,918,727.97 612,471,158.62 5.0482% 10.0000% 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% Key Performance Indicators Page 7 of 20
Reporting Period Outstanding Principal Balance of Receivables GECO Grade = CR3 (A) Outstanding Principal Balance of all Receivables (B) A/B % Parameter Dec-18 169,826,877.53 614,245,427.41 27.6480% 32.5000% Nov-18 168,432,122.09 608,218,534.15 27.6927% 32.5000% Oct-18 169,677,077.24 608,333,320.36 27.8921% 32.5000% Sep-18 171,013,593.11 612,471,158.62 27.9219% 32.5000% 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 8 of 20
Reporting Period Outstanding Principal Balance of Receivables GECO Grade = CR4 (A) Outstanding Principal Balance of all Receivables (B) A/B % Parameter Dec-18 27,510,422.81 614,245,427.41 4.4787% 8.0000% Nov-18 27,630,508.67 608,218,534.15 4.5429% 8.0000% Oct-18 27,980,563.49 608,333,320.36 4.5995% 8.0000% Sep-18 28,811,164.68 612,471,158.62 4.7041% 8.0000% 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% Key Performance Indicators Page 9 of 20
Reporting Period Outstanding Principal Balance of Receivables not in NSW, VIC or QLD (A) Outstanding Principal Balance of all Receivables (B) A/B % Parameter Dec-18 151,852,346.78 614,245,427.41 24.7218% 30.0000% Nov-18 149,550,748.16 608,218,534.15 24.5883% 30.0000% Oct-18 149,443,374.51 608,333,320.36 24.5660% 30.0000% Sep-18 150,435,692.19 612,471,158.62 24.5621% 30.0000% 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% Key Performance Indicators Page 10 of 20
Reporting Period Weighted Average APR of all Receivables (A) B (Fixed) % C ( Fixed Rate Payable under IRS + 11.5 %) Parameter Dec-18 16.0593% 13.0000% 13.4945% 13.4945% Nov-18 16.1124% 13.0000% 13.4945% 13.4945% Oct-18 16.1422% 13.0000% 13.4945% 13.4945% Sep-18 16.1568% 13.0000% 13.4945% 13.4945% 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 11 of 20
Substitution Termination Triggers Reporting Period Outstanding Principal Balance at Beginning of Collection Period (A) Delinquent Receivables 90+ as at last day of Collection Period (B) Delinquency Ratio of 90+ (B/A) % Arrears Ratio 90+ (3 Months) Dec-18 608,218,534.15 2,615,496.45 0.4300% 0.4211% Nov-18 608,333,320.36 2,359,665.55 0.3879% 0.4087% Oct-18 612,471,158.62 2,727,602.45 0.4453% 0.4159% Sep-18 608,361,527.08 2,390,121.12 0.3929% 0.4305% 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% Key Performance Indicators Page 12 of 20
Excess Spread Turbo Triggers Reporting Period Outstanding Principal Balance at Beginning of Collection Period (A) Net Charge-offs in Collection Period (B) Loss Ratio B/A % Average Monthly Loss Ratio (3 Months) Dec-18 608,218,534.15 1,967,648.04 0.3235% 0.3410% Nov-18 608,333,320.36 2,199,800.10 0.3616% 0.3476% Oct-18 612,471,158.62 2,069,630.68 0.3379% 0.3533% Sep-18 608,361,527.08 2,088,330.52 0.3433% 0.3644% 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% Key Performance Indicators Page 13 of 20
Reporting Period Outstanding Principal Balance at Beginning of Collection Period (A) Delinquent Receivables 60+ as at last day of Collection Period (B) Delinquency Ratio of 60+ (B/A) % Arrears Ratio 60+ (3 Months) Dec-18 608,218,534.15 7,775,686.42 1.2784% 1.2318% Nov-18 608,333,320.36 7,477,218.53 1.2291% 1.1937% Oct-18 612,471,158.62 7,275,546.88 1.1879% 1.1622% Sep-18 608,361,527.08 7,081,289.18 1.1640% 1.2189% 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 14 of 20
Pro-Rata Paydown Triggers Reporting Period Outstanding Principal Balance of Acquired Receivables at Cut-Off Date (A) Aggregate Net Charge-offs (B) Loss Ratio (B/A)% Dec-18 1,037,093,516.98 32,782,427.35 3.1610% Nov-18 1,001,518,639.47 30,814,779.31 3.0768% Oct-18 966,230,259.26 28,614,979.21 2.9615% Sep-18 935,221,617.98 26,545,348.53 2.8384% 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% Key Performance Indicators Page 15 of 20
Loan Additions (Substitution Period) Reporting Period No. of Loans Added Principal Balance of Receivables Added at Cut-off Date Jan-19 1,693 29,844,403.02 Dec-18 2,017 35,574,877.51 Nov-18 2,059 35,288,380.21 Oct-18 1,819 31,008,641.28 Sep-18 2,078 34,923,638.72 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 16 of 20
Repurchased Loans Reporting Period Reason No. of Loans Repurchased Principal Balance of Receivables Dec-18 Defaulted Accounts 250 0.00 Dec-18 Hardship Accounts 44 709,243.49 Nov-18 Defaulted Accounts 151 0.00 Nov-18 Hardship Accounts 53 868,216.38 Oct-18 Defaulted Accounts 141 0.00 Oct-18 Hardship Accounts 90 1,399,746.82 Sep-18 Defaulted Accounts 169 0.00 Sep-18 Hardship Accounts 48 792,827.38 Aug-18 Defaulted Accounts 179 0.00 Aug-18 Hardship Accounts 37 656,015.87 Jul-18 Defaulted Accounts 257 0.00 Jul-18 Hardship Accounts 61 1,083,769.39 Jun-18 Defaulted Accounts 141 0.00 Jun-18 Hardship Accounts 78 1,182,164.86 May-18 Defaulted Accounts 198 0.00 May-18 Hardship Accounts 53 846,340.65 Apr-18 Defaulted Accounts 230.00 0.00 Apr-18 Hardship Accounts 35.00 501,655.64 Mar-18 Defaulted Accounts 172 0.00 Mar-18 Hardship Accounts 38 619,338.93 Feb-18 Defaulted Accounts 214 0.00 Feb-18 Hardship Accounts 43 686,217.32 Jan-18 Defaulted Accounts 147 0.00 Jan-18 Hardship Accounts 37 591,355.67 Dec-17 Defaulted Accounts 62 0.00 Dec-17 Hardship Accounts 44 768,033.44 Key Performance Indicators Page 17 of 20
Latitude Australia PL Series 2017-1 Trust Strat Tables Report No: 13 Collection Period Start 01-Dec-18 Collection Period End 31-Dec-18 No. of Days in Collection Period 31 Interest Period Start 17-Dec-18 Interest Period End 16-Jan-19 No. of Days in Interest Period 31 Determination Date Payment Date 14-Jan-19 17-Jan-19 Portfolio Summary Opening Outstanding Balance of Receivables 641,999,737.86 Opening No. of Loans 43,142 Closing Outstanding Balance of Receivables 614,245,427.41 Closing No. of Loans 43,510 Weighted Average Seasoning 24.83 Max. Loan Size 63,936.17 Average Loan Size 14,117.34 W.A. Remaining Term 53.16 Weighted Average APR 16.0593% Loan Age Distribution Loan Age Balance % Balance Loan Count % Loan Count < 1 years 132,577,571.53 21.58% 6,851 15.75% 1-2 years 229,103,620.91 37.30% 13,739 31.58% 2-3 years 124,369,319.64 20.25% 8,873 20.39% 3-4 years 63,438,965.34 10.33% 5,585 12.84% 4-5 years 35,098,069.42 5.71% 3,985 9.16% 5-6 years 19,123,252.20 3.11% 2,653 6.10% > 6 years 10,534,628.37 1.72% 1,824 4.19% Total 614,245,427.41 100.00% 43,510 100.00% > 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 18 of 20
Balance Distribution Current Balance Balance % Balance Loan Count % Loan Count <= $0 0.00 0.00% 207 0.48% $0 > and <= $5,000 20,032,806.49 3.26% 7,365 16.93% $5,000 > and <= $10,000 73,856,878.34 12.02% 9,816 22.56% $10,000 > and <= $15,000 103,203,422.49 16.80% 8,295 19.06% $15,000 > and <= $20,000 110,935,498.88 18.06% 6,358 14.61% $20,000 > and <= $25,000 116,959,929.55 19.04% 5,221 12.00% $25,000 > and <= $30,000 96,435,339.05 15.70% 3,533 8.12% $30,000 > and <= $35,000 61,937,480.05 10.08% 1,924 4.42% $35,000 > and <= $40,000 21,264,474.35 3.46% 575 1.32% $40,000 > and <= $45,000 6,583,911.07 1.07% 156 0.36% $45,000 > and <= $50,000 1,749,004.17 0.28% 37 0.09% > $50,000 1,286,682.97 0.21% 23 0.05% Total 614,245,427.41 100.00% 43,510 100.00% > $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 57,037,755.41 9.29% 4,893 11.25% Recreational Vehicles 840,289.38 0.14% 120 0.28% Debt Consolidation 136,988,729.46 22.30% 10,816 24.86% Education 4,598,352.95 0.75% 395 0.91% Home Improvements & Furnishings 97,913,887.32 15.94% 6,658 15.30% Medical & Dental 2,713,674.73 0.44% 303 0.70% Refinance 217,095,183.94 35.34% 12,211 28.06% Travel 36,280,455.18 5.91% 3,546 8.15% Other 60,777,099.04 9.89% 4,568 10.50% Total 614,245,427.41 100.00% 43,510 100.00% 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% 12,228,282.57 1.99% 780 1.79% 5%> and <= 10% 27,691,586.75 4.51% 1,759 4.04% 10%> and <= 15% 318,859,592.04 51.91% 18,640 42.84% 15%> and <= 20% 149,907,317.30 24.41% 10,871 24.99% 20%> and <= 25% 61,380,816.95 9.99% 5,469 12.57% 25%> and <= 30% 40,119,541.41 6.53% 5,205 11.96% >30% 4,058,290.39 0.66% 786 1.81% Total 614,245,427.41 100.00% 43,510 100.00% >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 19 of 20
Remaining Term Distribution Remaining Term Balance % Balance Loan Count % Loan Count <= 12 Months 8,642,211.84 1.41% 3,200 7.35% 12 Months > and <= 18 Months 13,000,216.47 2.12% 2,537 5.83% 18 Months > and <= 24 Months 23,433,118.50 3.81% 3,289 7.56% 24 Months > and <= 30 Months 33,233,706.71 5.41% 3,573 8.21% 30 Months > and <= 36 Months 38,398,017.42 6.25% 3,405 7.83% 36 Months > and <= 42 Months 50,076,482.91 8.15% 3,754 8.63% 42 Months > and <= 48 Months 63,989,731.32 10.42% 4,256 9.78% 48 Months > and <= 54 Months 64,801,264.73 10.55% 3,974 9.13% 54 Months > and <= 60 Months 68,375,366.04 11.13% 3,719 8.55% 60 Months > and <= 66 Months 84,088,641.11 13.69% 4,245 9.76% 66 Months > and <= 72 Months 81,941,093.16 13.34% 3,911 8.99% > 72 Months 84,265,577.20 13.72% 3,647 8.38% Total 614,245,427.41 100.00% 43,510 100.00% > 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 25,000,000 50,000,000 75,000,000 100,000,000 Loan GECO Grade GECO Risk Grade Balance % Balance Loan Count % Loan Count CR1 83,891,546.45 13.66% 5,275 12.12% CR2 333,016,580.62 54.22% 20,541 47.21% CR3 169,826,877.53 27.65% 14,257 32.77% CR4 27,510,422.81 4.48% 3,437 7.90% Total 614,245,427.41 100.00% 43,510 100.00% CR4 CR3 CR2 CR1 0 100,000,000 200,000,000 300,000,000 400,000,000 Arrears Days Arrears Band Balance % Balance Loan Count % Loan Count Current 560,262,608.22 91.21% 39,473 90.72% 1-30 days 35,646,820.50 5.80% 2,627 6.04% 31-60 days 10,560,312.27 1.72% 791 1.82% 61-90 days 5,160,189.97 0.84% 408 0.94% 91-120 days 2,615,496.45 0.43% 211 0.48% >120 days 0.00 0.00% 0 0.00% Total 614,245,427.41 100.00% 43,510 100.00% 40,000,000 30,000,000 20,000,000 10,000,000 0 1-30 days 31-60 days 61-90 days 91-120 days >120 days State Distribution Location Balance % Balance Loan Count % Loan Count NSW 160,251,268.64 26.09% 11,589 26.64% VIC 125,331,330.22 20.40% 9,073 20.85% QLD 176,810,481.77 28.78% 12,336 28.35% SA 37,087,352.75 6.04% 2,640 6.07% WA 81,921,898.79 13.34% 5,500 12.64% TAS 15,312,540.23 2.49% 1,136 2.61% NT 8,143,410.00 1.33% 552 1.27% ACT 9,387,145.01 1.53% 684 1.57% Total 614,245,427.41 100.00% 43,510 100.00% NSW VIC QLD SA WA TAS NT ACT Portfolio Strats Page 20 of 20