Finance Ireland Auto Receivables No.3 DAC: 25 June 2026

The Portfolio will consist of the Irish-originated Receivables and the Ancillary Rights which will be sold by the Seller to the Issuer on the Closing Date. The Purchased Receivables will consist of each payment due from Obligors (including interest) under the HP and PCP Agreements at any time on and from the Cut-Off Date together with the Ancillary Rights relating to such Purchased Receivables, each of which will be sold to the Issuer on the Closing Date.

Finance Ireland is Ireland’s largest non-bank lender, with lending operations across commercial mortgages, auto finance, SME leasing, residential mortgages and agri finance. Finance Ireland is regulated by the Central Bank.

The portfolio consists of 18,948 HP and PCP Agreements advanced to 18,897 Obligors, with a Current Outstanding Principal Balance of Eur365,081,662. Customer Type by percentage of Current Balance: Consumer - 89.00%, Non-Consumer – 11.00%. The Weighted Average Seasoning (in months) - 7.28.

EU & UK Risk Retention: On and from the Closing Date until all of the Notes have been redeemed in full, Finance Ireland, as an Originator (in its capacity as the Retention Holder) for the purposes of (i) Regulation (EU) 2017/2402 of the European Parliament and (ii) the EU Securitisation Regulation as it forms part of domestic law of the United Kingdom by virtue of the EUWA, will retain on an ongoing basis a material net economic interest of not less than 5% in the securitisation.

US Risk Retention: The Retention Holder intends to rely on an exemption provided for in Section 20 of the US Risk Retention Rules regarding non-US transactions that meet certain requirements

STS: It is intended that a notification will be submitted to ESMA and the Central Bank of Ireland by Finance Ireland.

Compare/contrast: Finance Ireland Auto Receivables No.2 DAC, Citizen Irish Auto Receivables Trust 2025