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Private & Confidential Execution Copy

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https://www.vwfs.com/en/investor-relations/volkswagen-financial-services-ag/refinancing/driver-uk-regulatory-disclosure/_jcr_content/content/section_1530319025_c/section_parsys/downloadlist/downloadlist_parsys/downloaditem_copy_co_1565192664/downloadbutton.download.pdf/Private_Driver_UK_2020-1_%25E2%2580%2593_Incorporated_Terms_Memorandum.pdf
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