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Magoi B.V. : 22 December 2019

A stand-alone transaction, where the Issuer will make payments on the notes from payments of principal and interest received from a portfolio comprising amortising consumer loans originated by the Seller (CACF NL).

At the cut-off date the portfolio consisted of 22,639 loans, which had been advanced to 22,151 borrowers. The average outstanding principal amount of a loan is Eur17,696, the maximum is for Eur75,000 and the WA seasoning is 16 months. Loan purpose stated by the Borrower (by current balances): Refinancing – 35.25%, Home improvement – 32.50% and car – 13.11%. Loan interest rate type (by current balance): fixed – 99.39%, Fixed Loan with interest rate reset option – 0.61%. Regional concentration: Zuid Holland – 20.99%, Noord Brabant – 15.67%, Noord Holland – 13.52% and Gelderland – 12.96%.

EU Risk Retention: CACF NL, in its capacity as allowed entity under Article 6(4) of the Securitisation Regulation, has undertaken that for as long as the Notes are outstanding, it will at all times retain a material net economic interest in the securitisation transaction described in the Prospectus which shall in any event not be less than 5%, in accordance with Article 6 of the Securitisation Regulation.

STS: The securitisation transaction is intended to qualify as an STS securitisation within the meaning of Article 18 of the Securitisation Regulation. Consequently, the securitisation transaction is intended to meet, on the date of the Prospectus, the requirements of Articles 19 to 22 of the Securitisation Regulation and, at the Closing Date, is intended to be notified by the Sellers to be included in the list published by ESMA.

Compare/contrast: Matsuba 2016 B.V.