AUTO1 CAR FUNDING (Comp FinanceHero 2026-1): 16 July 2026

Founded in 2012, AUTO1 Group is a multi-brand technology company. Its local European consumer brands, such as wirkaufendeinauto.de, offer consumers a way to sell their car in nine European markets: Germany, Austria, Sweden, the Netherlands, Belgium, France, Spain, Portugal and Italy. Its merchant brand, AUTO1.com, is Europe's largest wholesale platform for car trading professionals across thirty countries in Continental Europe. AUTO1 Group, as Europe’s largest used car trading platform, generated consolidated revenue of EUR 5.5 billion in 2023, buying and selling over 580,000 used cars in the year.

AUTO1 Car Funding S.à r.l. has been established as a special purpose vehicle for the purpose of entering into one or several securitisation transactions.

On the Closing Date, AUTO1 Car Funding S.à r.l. (acting with respect to its Compartment FinanceHero 3 ) will issue Class A, B, C, D, E and F Floating Rate Asset Backed Notes due July 2035. Interest on the Notes will accrue on the outstanding principal amount of each Note at the relevant per annum rate and will be payable monthly in arrears on each Payment Date. Payments of interest and principal on the Notes are subject to available funds resulting, in particular, from the collections on a portfolio of vehicle instalment purchase receivables originated under certain Instalment Purchase Agreements and secured on the retained title to the relevant vehicles.

As at the Cut-off Date (30 June 2026) the portfolio consisted of 16,847 receivables, advanced to 16,835 borrowers, where the Average Outstanding Loan Size is Eur15,104. Car type: Used – 100.00%. The WA seasoning is 6.1 months.

EU Risk Retention: The Risk Retention Holder will retain for the life of the transaction a material net economic interest of not less than 5% in the transaction in accordance with Article 6 para. 3(a) of the EU Securitisation Regulation.

US Risk Retention: The transaction will not involve risk retention by the Seller for the purposes of the US Risk Retention Rules, but rather will be made in reliance.