Sunrise SPV 94 (2022-1): 03 April 2022

The primary source for the payment of interest and the repayment of principal under the Notes will be collections made in respect of consumer loan receivables and connected rights due under consumer loan agreements and personal loan agreements granted to the debtors thereunder by Agos Ducato SpA (the Originator).

Eligibility for inclusion in the pool (includes): the receivables are denominated in Euro; the relevant Consumer Loan Agreements are governed by Italian law; the loans provide for a prearranged amortising plan; all debtors have made timely payments of the first and second instalments; the receivables have a fixed interest rate; no debtor has had payment obligations vis a vis Agos classified as defaulted receivables; none of the receivables has any instalment due and unpaid.

The portfolio consists of 97,924 contracts, where the average outstanding amount per borrower is Eur8,657 and the largest contract is for just Eur64,943. WA seasoning is 7.03 months. Pool distribution:

Pool.............................O’standing Principal...O’standing Principal %....No.of contracts...No.of contracts %

New Vehicles................. 130,785,772............. ... 11.71%................. ... 22,228....... .. ........19.0%
Used Vehicles..... ..........83,590,911.......... ..... .. 7.50%........................ 8,605........... ........ 7.4%
Personal Loans. .......... 858,372,965....... ......... 76.50%........ ............. .54,720............ ..... 46.8%
MO…………….............. 29,696,681......... ........ 2.60%...................... .13,390............ ......11.5%
PF……………..…....... ...19,260,720......... ....... . 1.70%........................17,961.............. ....15.4%

EU & UK Risk Retention: Agos will retain a material net economic interest of at least 5% in the securitisation for the purpose of Article 6 of the EU Securitisation Regulation and Article 6 of the UK Securitisation Regulation. For such purposes, the Originator has undertaken that it will retain at the Issue Date and maintain (on an ongoing basis) a material net economic interest of not less than 5% in the securitisation through the holding of at least 5% of the nominal value of each Class of Notes.

STS: The securitisation is intended to qualify as a simple, transparent and standardised securitisation within the meaning of Article 18 of Regulation (EU) no. 2402 of 12 December 2017. Consequently, the securitisation meets, as at the date of the Prospectus, the requirements of Articles 19 to 22 of the EU Securitisation Regulation and has been notified by the Originator to be included in the list published by ESMA referred to in Article 27 paragraph 5 of the EU Securitisation Regulation.

Compare/contrast: Sunrise SPV 93 (2021-2), Red & Black Auto Italy Srl