E-MAC Program III B.V. - Compartment NL 2008-II Investor report April 2015
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1 E-MAC Program III B.V. - Compartment NL 2008-II Investor report April 2015 Cashflow analysis for the period Total interest received 1,047,546 Interest received on transaction accounts (50) Liquidity available 1,800,000 Reserve account available 1,043,275 Receivables under hedging arrangements - Total funds available 3,890,771 Company management expenses - Administration fee 12,441 MPT fee 17,871 Third party fees 18,617 Liquidity Facility fee 3,220 Payments under hedging arrangements 630,970 Interest on the Notes 406,275 Making good on shortfall Class D PDL - Deferred Purchase Price Instalment - Total funds distributed 1,089,393 Available after distribution of funds 2,801,378 Liquidity Facility 1,800,000 * Reserve account 1,001,378 Available liquidity 2,801,378 Net cashflow - Principal Deficiency Ledger Class A1 0 Class A2 0 Class B 0 Class C 0 Class D 0 Total 0 Collateral Starting principal balance 80,255,671 Principal redemptions and repayments (3,428,082) Unused Prefund - Losses for the period - Ending principal balance 76,827,589 Balance Reset Participation - Total balance E-MAC NL 2008-II 76,827,589 Redemptions applied for purchase Further Advances during period - Substitution of loans - Repurchase of loans - Total balance E-MAC Program III Comp.NL 2008-II 76,827,589 Performance Last period This period Since issue Prepayment rate 13.52% 15.90% 6.04% Delinquency table Number of loans Balance Percentage of total Current ,885, % days 1 315, % days % days 2 343, % 120+ days 2 282, % In repossession % Total ,827, % Last period This period Recovered Total Aggregate principal losses 332,890-9, ,710
2 Overview Number of borrowers 431 Number of loanparts 711 (weighted) average Minimum Maximum Loan size borrower 178,254 15, ,000 Loan part size 108, ,000 Coupon 5,13% 0,85% 6,60% Remaining maturity (months) Remaining interest period (months) Original interest period (months) Seasoning (months) Loan to Original Foreclosure Value (1) 91.7% 8.3% 128.3% Redemption Type Redemption Type Value As % of total no.parts As % of total Average Loan parts WAC WAM Annuity 54, ,516, % % 5.14% Bridge Loan 92, % % 92, % 26.00) Hybride 100, % % 50, % Interest only 62,795, % % 118, % Investment 383, % % 76, % Life 8,652, % % 90, % Savings 1,513, % % 72, % STAR Aflossingsvrij 855, % % 71, % Universal Life 917, % % 65, %
3 Interest Term Interest Term Value As % of total no.parts As % of total Average Loan parts WAC WAM % % % % % % % % % % % % % % % % % % % % % , % % 216, % % % % % % % % % % % % % ,294, % % 129, % % % % , % % 44, % , % % 240, % % % % % % % % % % , % % 216, % % % % % % % % % % % % % , % % 96, % % % % % % % % % % % % % % % % % % % , % % 150, % % % % % % % , % % 69, % % % % % % % % % % % % % % % % % % % % % % % % % % % % , % % 22, % % % % , % % 61, % % % % , % % 61, % % % % % % % % % % % % % % % % , % % 47, % % % % % % % % % % % % % % % % ,657, % % 138, % % % % , % % 79, % , % % 80, % % % % % % % % % % % % % % % % % % % % % % , % % 47, % % % % % % % % % % % % % % % % % % % % % % , % % 175, % % % % % % % % % % , % % 12, % , % % 5, % % % % % % % % % % , % % 219, % , % % 160, % , % % 4, % , % % 265, % , % % 54, % % % % , % % 71, % , % % 105, % , % % 166, % % % % , % % 30, % , % % 266, % % % % % % % % % % % % % % % % % % % % % % % % % % % % , % % 5, % % % % , % % 84, % % % % % % % , % % 100, % , % % 66, % % % % % % % ,602, % % 94, % ,266, % % 136, % ,452, % % 118, % ,964, % % 106, % ,958, % % 123, % ,813, % % 127, % % % % % % % % % % % % % % % % % % % % % % , % % 84, % , % % 52, % , % % 55, %
4 Interest Term Value As % of total no.parts As % of total Average Loan parts WAC WAM % % % % % % % % % % % % % % % % % % % % % % % % , % % 100, % % % % % % % , % % 130, % % % % , % % 158, % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % , % % 70, % % % % % % % % % % , % % 150, % % % % % % % % % % % % % % % % % % % % % % % % % , % % 159, % , % % 109, % , % % 120, % ,983, % % 102, % , % % 118, % , % % 76, % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % , % % 66, % % % % , % % 23, % % % % % % % % % % % % % , % % 59, % % % % % % % , % % 60, % % % % % % % , % % 43, % , % % 84, % , % % 57, % , % % 15, % % % % , % % 92, % % % % % % % % % % % % % % % % , % % 117, % % % % % % % % % % % % % % % % % % % , % % 82, % ,544, % % 115, % ,577, % % 99, % ,348, % % 98, % ,236, % % 123, % ,958, % % 93, % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % -
5 Interest Term Value As % of total no.parts As % of total Average Loan parts WAC WAM % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % , % % 74, % ,462, % % 182, % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % , % % 54, % % % % % % % % % % % % % % % % % % % % % % % % % % % % , % % 75, % , % % 161, % ,767, % % 117, % ,972, % % 117, % , % % 88, % , % % 123, % > % % % -
6 Mortgage Coupons from until Value As % of total no.parts As % of total Average Loan parts WAC WAM < 2,50% 113, ,469, % % 1.75% ,50% 2,75% % 0.00% % - - 2,75% 3,00% % % % - 3,00% 3,25% 92, % 0.14% 92, % 26.00) 1 3,25% 3,50% % 0.00% % - - 3,50% 3,75% 588, % 1.41% 58, % ,75% 4,00% 837, % % 83, % ,00% 4,25% 4,136, % % 89, % ,25% 4,50% 2,672, % % 86, % ,50% 4,75% 2,535, % % 97, % ,75% 5,00% 10,349, % % 113, % ,00% 5,25% 21,690, % % 119, % ,25% 5,50% 15,501, % % 100, % ,50% 5,75% 11,352, % % 111, % ,75% 6,00% 2,946, % % 122, % ,00% 6,25% 794, % % 72, % ,25% 6,50% 1,064, % % 152, % ,50% 6,75% 795, % % 198, % ,75% 7,00% % % % - 7,00% 7,25% % % % - 7,25% 7,50% % % % - 7,50% > % % % - Interest Reset Date from until Value As % of total no.parts As % of total Average Loan parts WAC WAM Floating % % % - < ,479, % % 102, % ,024, % % 73, % ,735, % % 114, % ,105, % % 127, % ,267, % % 105, % , % % 106, % , % % 96, % ,864, % % 101, % , % % 153, % , % % 94, % , % % 63, % ,770, % % 71, % ,273, % % 109, % ,074, % % 86, % % % % % % % % % % ,594, % % 144, % % % % % % % % % % , % % 54, % ,481, % % 114, % ,422, % % 142, % % % % % % % % % % % % % % % % % % % > % % % - Legal Maturity Legal Maturity Value As % of total no.parts As % of total Average Loan Parts WAC WAM 01-Jan , Dec , % % 3.15% 26.00) 01-Jan Dec , % % 52, % Jan Dec , % % 15, % Jan Dec , % % 22, % Jan Dec , % % 50, % Jan Dec , % % 47, % Jan Dec , % % 7, % Jan Dec , % % 51, % Jan Dec , % % 81, % Jan Dec , % % 84, % Jan Dec , % % 77, % Jan Dec , % % 105, % Jan Dec , % % 99, % Jan Dec , % % 64, % Jan Dec , % % 106, % Jan Dec , % % 99, % Jan Dec ,075, % % 89, % Jan Dec ,022, % % 67, % Jan Dec ,159, % % 83, % Jan Dec ,526, % % 116, % Jan Dec ,340, % % 111, % Jan Dec , % % 21, % Jan Dec , % % 23, %
7 Loan to Foreclosure Value from until Value As % of total no. loans As % of total Average Loans WAC WAM NHG 195, ,858, % % 4.37% < 50,00% 6,505, % % 95, % ,00% 55,00% 2,245, % % 149, % ,00% 60,00% 3,571, % % 155, % ,00% 65,00% 2,690, % % 206, % ,00% 70,00% 3,723, % % 169, % ,00% 75,00% 6,448, % % 179, % ,00% 80,00% 1,139, % % 162, % ,00% 85,00% 2,769, % % 184, % ,00% 90,00% 2,095, % % 190, % ,00% 95,00% 5,641, % % 208, % ,00% 100,00% 2,711, % % 193, % ,00% 105,00% 1,898, % % 189, % ,00% 110,00% 2,603, % % 236, % ,00% 115,00% 4,380, % % 208, % ,00% 120,00% 8,199, % % 221, % ,00% 125,00% 12,604, % % 200, % ,00% 130,00% 740, % % 246, % ,00% > % 0.00% % - - Total 76,827, % % 5,13% Province Province Value As % of total no. loans As % of total Average Loans WAC WAM Drenthe 177, ,303, % % 5.09% Flevoland 3,114, % % 183, % Friesland 3,153, % % 175, % Gelderland 9,485, % % 185, % Groningen 2,038, % % 135, % Limburg 3,785, % % 180, % Noord-Brabant 12,127, % % 183, % Noord-Holland 11,892, % % 182, % Overijssel 5,931, % % 174, % Utrecht 4,641, % % 165, % Zeeland 1,494, % % 149, % Zuid-Holland 16,289, % % 180, % Unspecified 568, % % 189, % Total 76,827, % % 178, ,13% Property Type Property Type Value As % of total no. loans As % of total Average Loans WAC WAM Single family house 180, ,450, % % 5.16% Flat/appartment 9,184, % % 153, % Shop/private house % % % - Residential farm % % % - Garage % % % - Rural estate % % % - Single family house with garage 9,810, % % 196, % Flat/appartment with garage 724, % % 144, % Single garage for house % % % - Single garage for flat/appartment % % % - Conversion % % % - Caravan % % % - Houseboat % % % - Condominium % % % - Condominium with garage % % % - House/Practice % % % - Other property / unknown % % % - Shop / House % % % - Farm house % % % - Office space % % % - Recreational home % % % - Unspecified % % % - Utility building % % % - NRF Property % % % - Retail property % % % - Unknown 25,657, % % 180, % Total 76,827, % % 178, ,13% Net Size Net Size Value As % of total no.of loans As % of total Average Loans WAC WAM < % % % , % % 19, % , % % 41, % ,383, % % 65, % ,030, % % 91, % ,548, % % 113, % ,800, % % 138, % ,580, % % 165, % ,454, % % 188, % ,560, % % 215, % ,885, % % 237, % ,109, % % 261, % ,608, % % 289, % , % % 315, % ,016, % % 338, % ,175, % % 362, % % % % , % % 410, % , % % 438, % % % % % % % , % % 509, % % % % % % % % % % % % % % % % > % % % - Total 76,827, % % 178, ,13%
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