Hoxton Consumer Loan Funding 2026-2 DAC: 15 October 2026

A securitisation of unsecured consumer loans originated by Lendable Ltd, where the Issuer will make payments on the Notes from, among other things, payments of principal and interest received from a portfolio of receivables originated by Lendable Ltd and subsequently sold to ten Hoxton Funding warehousing vehicles (the Sellers), which in turn will sell the receivables to the Issuer. The portfolio comprises unsecured personal loans advanced to borrowers located in England, Wales, Scotland and Northern Ireland.

As at the provisional portfolio cut-off date (7 October 2026), the pool consisted of 122,099 receivables with an aggregate outstanding principal balance of £900.00 million. The average current loan balance was £7,371, with an average original loan balance of £8,222. The weighted average interest rate was 10.25%, the weighted average original loan term was 52.6 months, the weighted average remaining term was 47.3 months and the weighted average seasoning was 5.3 months. Loan Purpose (by current balance): debt consolidation – 58.3%, home improvement – 12.5%, vehicle – 9.4%, travel – 1.2% and other – 18.5%. Credit Grade (by current balance): Grade A – 16.2%, Grade B – 42.2%, Grade C – 23.6% and Grade D – 18.0%. All receivables were within 30 days of arrears as at the provisional cut-off date. Regional Distribution (by current balance): South East – 13.1%, North West – 12.6%, Scotland – 9.6%, East of England – 9.5%, West Midlands – 8.9%, Yorkshire and the Humber – 8.8% and Greater London – 8.4%.

EU & UK Risk Retention: Lendable Credit Opportunities RAIF – IV (LCOR IV) and Lendable Credit Opportunities RAIF – V (LCOR V), acting as originators and Risk Retention Holders, will collectively retain, on an ongoing basis, a material net economic interest of not less than 5% of the nominal value of the securitised exposures for the life of the transaction, in accordance with Article 6 of the EU Securitisation Regulation and the applicable UK Risk Retention Rules, including SECN 5.2.1R. The retention requirements will be satisfied through the retention, directly or indirectly, of Class F Notes representing at least 5% of the nominal value of the securitised exposures, in accordance with Article 6(3)(d) of the EU Securitisation Regulation and UK SECN 5.2.8R(1)(d). Each Risk Retention Holder will retain an interest proportionate to the securitised exposures for which it is the originator.

US Risk Retention: The transaction is not intended to comply with the US credit risk retention requirements through the retention of a 5% economic interest under Section 15G of the Securities Exchange Act of 1934. Instead, the transaction intends to rely on the Section 20 exemption for non-US transactions under the US Risk Retention Rules, subject to the applicable conditions and restrictions.

STS: The transaction is intended to qualify as a Simple, Transparent and Standardised (STS) securitisation under the EU Securitisation Regulation. The Risk Retention Holders will procure the submission of an STS notification to ESMA and the Luxembourg CSSF, with third-party verification undertaken by PCS EU SAS. Under the UK's Securitisation (Overseas STS Equivalence) Regulations 2026, the transaction may also qualify as STS in the UK, provided that it remains on the ESMA STS Register and continues to satisfy the applicable EU STS requirements. No separate UK STS notification is intended to be submitted to the FCA.