The ratings on Cl. A-M and Cl. A-J were affirmed because the rating is consistent with Moody's expected loss plus realized losses. Moody's rating action reflects a base expected loss of 55.4% of the current pooled balance, compared to 51.3% at Moody's last review. Moody's base expected loss plus realized losses is now 19.7% of the original pooled balance, compared to 20.5% at the last review.