On 23 December 2013, amendments have been made to the transaction documentation in order to align the set-off financial collateral mechanism with the updated Moody's criteria. The set-off financial collateral mechanism secures the Seller's obligation to reimburse the Issuer for set-off claims by Borrowers. If the rating of SNS Bank falls below Baa1 by Moody's, then the Seller(s) will collateralize the aggregate amount standing to the credit of each current account or deposit (to the extent they exceed the amount claimable under the Deposit Guarantee Scheme) above a threshold of 3.5% minus 80% of the increase in credit enhancement of the class C notes multiplied by the outstanding balance of mortgage loans.