<?xml version="1.0" encoding="utf-8"?>
<assetData>
  <assets>
    <!--General Comments - Asset Related Document - This asset related document provides narrative to explain the asset-level data reported in Exhibit 102 to the Form ABS-EE to which this asset related document is attached as an exhibit. Additional explanatory narrative is included in the prospectus for the securities issued by the issuing entity (the "Prospectus"). You should read this asset related document and the Prospectus completely to understand the asset-level data and how it may differ from similar data appearing in the Prospectus and the Monthly Investor Report. References to "Items" in the Explanatory Narrative below are references to specific asset level data items listed in 17 CFR 229.1125 (Item 1125 of Regulation AB) Schedule AL - Asset-Level Information. Capitalized terms used in the Explanatory Narrative below and not otherwise defined in this asset related document have the meanings assigned to such terms in the Prospectus.-->
    <originationDate />
    <!--Item 3(c)(2) Origination Date - "Origination Date" is the calendar month and year in which the related contract was executed.-->
    <originalLoanAmount />
    <!--Item 3(c)(3) Original Loan Amount - "Original Loan Amount" is dollar value of the loan at the time of origination or the contract amount.-->
    <originalLoanTerm />
    <!--Item 3(c)(4) Original Loan Term - "Original Loan Term" is the term of the loan in months at the time loan was orginated.-->
    <loanMaturityDate />
    <!--Item 3(c)(5) Loan Maturity Date - "Loan Maturity Date" refers to the calendar month and year of the current maturity date of the related account, adjusted for any extensions and due date changes-->
    <originalInterestRatePercentage />
    <!--Item 3(c)(6) Original Interest Rate - "Original Interest Rate" refers to the annual percentage rate on the contract.-->
    <originalInterestOnlyTermNumber />
    <!--Item 3(c)(9) Original Interest-Only Term - The "Original Interest-Only Term" field is omitted as inapplicable for all Receivables because VW Credit, Inc. currently does not offer this option.-->
    <underwritingIndicator />
    <!--Item 3(c)(11) Underwriting Indicator - "Underwriting Indicator" is "true" for any account for which the credit application was automatically approved without application of any special criteria. Indicator is false if not electronically approved.-->
    <gracePeriodNumber />
    <!--Item 3(c)(12) Grace Period - "Grace Period" refers to number of calendar months between the Origination Date and Original First Payment Date {Item 3(c)(10)}, and is calculated by taking the calendar months from and including the calendar month immediately following the Origination Date through and including the calendar month of the Original First Payment Date. A partial calendar month, even one day, is reported as one month.-->
    <subvented />
    <!--Item 3(c)(14) Subvented - "Subvented Indicator" refers to any special rate or consideration applied.-->
    <vehicleManufacturerName />
    <!--Item 3(d)(1) Vehicle Manufacturer - "Vehicle Manufacturer" refers to the car maker which in this case is Volkswagen or Audi.-->
    <vehicleTypeCode />
    <!--Item 3(d)(5) Vehicle Type - "Vehicle Type" refers to type of vehicle. It is stated using the codes provided by the SEC. SEC code value "98" is used for vehicle type "Van".-->
    <vehicleValueAmount />
    <!--Item 3(d)(6) Vehicle Value - "Vehicle Value" refers to the value of the vehicle of the car at the time of origination. This value is based on source reported in {Item 3(d)(7)}.-->
    <vehicleValueSourceCode />
    <!--Item 3(d)(7) Source of Vehicle Value - "Source of Vehicle Value" - For Financed Vehicles in respect of which the related vehicle value was determined by reference to a NADA Guide or Black Book, a value of "98" (Other) is reported.-->
    <obligorCreditScoreType />
    <!--Item 3(e)(1) Obligor Credit Score Type - "Obligor Credit Score Type" refers to credit score source for the obligor and comes from FiSERV.-->
    <obligorCreditScore />
    <!--Item 3(e)(2) Obligor Credit Score - "Obligor Credit Score" is the credit score and comes from FiSERV.-->
    <obligorIncomeVerificationLevelCode />
    <!--Item 3(e)(3) Obligor Income Verification Level - "Obligor Income Verification Level" refers to the extent of verification performed on the obligor's occupation described in the codes provided by the SEC.-->
    <obligorEmploymentVerificationCode />
    <!--Item 3(e)(4) Obligor Employment Verification - "Obligor Employment Verification" refers to the extent of verification performed on the obligor's employment described in the codes provided by the SEC.-->
    <paymentToIncomePercentage />
    <!--Item 3(e)(6) Payment to Income Ratio - "Payment to Income Ratio" refers to Obligor's payment in relation to his/her income. This ratio is calculated using obligor's current base payment and dividing it by obligor's income. This field is omitted when obligor income is at "0.00", for example, Homemaker, Student, etc.-->
    <obligorGeographicLocation />
    <!--Item 3(e)(7) Geographic location of Obligor - "Geographic Location of Obligor" refers to the State/Province where the vehicle is currently located.-->
    <remainingTermToMaturityNumber />
    <!--Item 3(f)(2) Remaining Term to Maturity - "Remaining Term to Maturity" is the number of months from and excluding the reporting period end date to and including the current maturity date of the receivable with a partial month (even one day) reported as one month. "0" is reported if the maturity date of the receivable is in the reporting period or if the maturity of the receivable is in a prior reporting period.-->
    <reportingPeriodModificationIndicator />
    <!--Item 3(f)(3) Modification Indicator Reporting Period - "Modification Indicator" refers to any type of modifications made to the original contract and is determined by taking contract extensions, monthly amount changes, term changes and due date changes into account. It is "true" for any account that has been modified and "false" if no modifications have been made.-->
    <servicingAdvanceMethodCode />
    <!--Item 3(f)(4) Servicing Advance Method - "Servicing Advance Method" is reported as "1" since VW Credit, Inc. is not required to make an advance but may choose to advance interest. If interest is advanced for a receivable, VW Credit, Inc. will report "2".-->
    <reportingPeriodBeginningLoanBalanceAmount />
    <!--Item 3(f)(5) Reporting Period Beginning Loan Balance - "Reporting Period Beginning Loan Balance" refers to account balance at the beginning of the reporting period which is the same as loan balance at the end of prior period.-->
    <nextReportingPeriodPaymentAmountDue />
    <!--Item 3(f)(6) Next Reporting Period Payment Amount Due - "Next Reporting Period Payment Amount Due" refers to total amount of interest and principal due to be paid in the next reporting period for the related account including the amount of any past due principal and interest outstanding at the end of current reporting period. The reported amount will be "0.00" in case of any account that has been paid ahead by the amount greater than or equal to the total amount of interest and principal that would otherwise be due to be paid in the next reporting period. It is omitted when {Item 3(f)(24)(ii)} equals "1 - Prepaid or Matured" or "4 - Charged-off".-->
    <reportingPeriodInterestRatePercentage />
    <!--Item 3(f)(7) Reporting Period Interest Rate - "Reporting Period Interest Rate" refers to the interest rate that was in effect for the related account as of the end of the prior reporting period and is omitted if the account is prepaid, matured, or charged-off.-->
    <nextInterestRatePercentage />
    <!--Item 3(f)(8) Next Interest Rate - "Next Interest Rate" refers to the interest rate that was in effect for the related account as of the end of the current reporting period. It is omitted when {Item 3(f)(24)(ii)} equals "1 - Prepaid or Matured" or "4 - Charged-off".-->
    <servicingFeePercentage />
    <!--Item 3(f)(9) Servicing Fee Percentage - "Servicing Fee Percentage" refers to the servicing fee which is a constant 1%.-->
    <servicingFlatFeeAmount />
    <!--Item 3(f)(10) Servicing Fee Flat-Fee - The "Servicing Fee Flat Fee" field is omitted for all accounts because VW Credit, Inc. does not currently offer this option.-->
    <otherServicerFeeRetainedByServicer />
    <!--Item 3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - The "Other Loan Level Servicing Fee(s) Retained by Servicer" field is omitted because VW Credit, Inc. does not currently retain any additional fees.-->
    <otherAssessedUncollectedServicerFeeAmount />
    <!--Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - "Other Assessed but Uncollected Servicer Fees" refers to the aggregate account of the late fees assessed since origination of the related account that have not paid or waived prior to the end of the current reporting period.-->
    <scheduledInterestAmount />
    <!--Item 3(f)(13) Scheduled Interest Amount - "Scheduled Interest Amount" refers to the monthly interest payment for the related account calculated using an amortization schedule from the related origination date, using a 30/360 day count methodology and assuming that full payment of monthly principal and interest due is received on each due date. This field has a zero value when Original Interest Rate, {Item 3(c)(6)}, is zero or when new origination.-->
    <scheduledPrincipalAmount />
    <!--Item 3(f)(14) Scheduled Principal Amount - "Scheduled Principal Amount" refers to the monthly principal payment for the related account calculated using an amortization schedule from the related origination date, using a 30/360 day count methodology and assuming that full payment of monthly principal and interest due is received on each due date.-->
    <otherPrincipalAdjustmentAmount />
    <!--Item 3(f)(15) Other Principal Adjustments - "Other Principal Adjustment Amount" is calculated as the change in principal balance during the reporting period (Reporting Period Beginning Loan Balance {Item 3(f)(5)} minus Reporting Period Ending Actual Balance {Item 3(f)(16)}, minus Actual Principal Collected {Item 3(f)(20)}, minus Charged-off Principal Amount {Item 3(i)(1)}. A negative number for this item indicates an increase to the principal balance of the Receivable during the reporting period, while a positive number indicates a decrease to the principal balance of the Receivable during the reporting period.-->
    <reportingPeriodActualEndBalanceAmount />
    <!--Item 3(f)(16) Reporting Period Ending Actual Balance - "Reporting Period Ending Actual Balance" is represented by the Receivable balance at the end of current reporting period.-->
    <reportingPeriodScheduledPaymentAmount />
    <!--Item 3(f)(17) Reporting Period Scheduled Payment Amount - "Reporting Period Scheduled Payment Amount" refers to the monthly payment, including principal and interest, due to be paid for the related account as calculated at origination.-->
    <totalActualAmountPaid />
    <!--Item 3(f)(18) Total Actual Amount Paid - "Total Actual Amount Paid" refers to the total amount paid as calculated by the sum of Actual Principal Collected {Item 3(f)(20)}, Actual Interest Collected {Item 3(f)(19)}, and Actual Other Amounts Collected {Item 3(f)(21)} during the current reporting period. If the sum of these items equals zero, then amount reported will be "0.00". Reported amount does not include Amounts Recovered, Charged-off or Repossession proceeds.-->
    <actualInterestCollectedAmount />
    <!--Item 3(f)(19) Actual Interest Collected - "Actual Interest Collected" refers to the total interest payment by customer in the reporting period. If the aggregate amount of interest collections during the period, net of aggregate amount of any adjustments made to interest collections is less than or equal to zero, then amount reported will be "0.00".-->
    <actualPrincipalCollectedAmount />
    <!--Item 3(f)(20) Actual Principal Collected - "Actual Principal Collected" represents the amount, by which (a) the sum of (i) the aggregate amount of any positive adjustments to the Principal Balance of such Receivable in the current reporting period and (ii) any principal collections (including prepayments) in respect of such Receivable during the current reporting period exceeds (b) the aggregate amount of any negative adjustments to the Principal Balance of such Receivable in the current reporting period. Only net positive amounts will be reported for this Item, any non-net positive amounts will be reported as "0.00".-->
    <actualOtherCollectedAmount />
    <!--Item 3(f)(21) Actual Other Amounts Collected - "Actual Other Amounts Collected" refers to total amount of fees collected including late charges, extensions fees, etc. during the reporting period. If the aggregate amount of fee collections during the period, net of aggregate amount of any adjustments made to fee collections is less than or equal to zero, then amount reported will be "0.00".-->
    <servicerAdvancedAmount />
    <!--Item 3(f)(22) Servicer Advanced Amount - "Servicer Advanced Amount" field is omitted unless an advance is made.-->
    <interestPaidThroughDate />
    <!--Item 3(f)(23) Interest Paid Through Date - "Interest Paid through Date" refers to the last payment made that included interest. Reported date will be "01-01-1900" for any Receivable with a zero percent interest rate and omitted when new origination or {Item 3(f)(24)(ii)} is reported as "4 - Charged-off".-->
    <zeroBalanceEffectiveDate />
    <!--Item 3(f)(24)(i) Zero Balance Effective Date - "Zero Balance Effective Date" refers to the date the account closed. It is omitted if the account status is "Active".-->
    <zeroBalanceCode />
    <!--Item 3(f)(24)(ii) Zero Balance Code - "Zero Balance Code" refers to reason for account closure, and is stated using codes provided by SEC. It is omitted if the account status is "Active" and if {Item 3(f)(24)(i)} is omitted.-->
    <currentDelinquencyStatus />
    <!--Item 3(f)(25) Current Delinquency Status - "Current Delinquency Status" refers to the number of days account is delinquent. It is omitted when {Item 3(f)(24)(ii)} equals "1 - Prepaid or Matured".-->
    <primaryLoanServicerName />
    <!--Item 3(g)(1) Primary Loan Servicer - "Primary Loan Servicer" refers to VW Credit, Inc.-->
    <mostRecentServicingTransferReceivedDate />
    <!--Item 3(g)(2) Most Recent Servicing Transfer Received Date - "Most Recent Servicing Transfer Date" is omitted as a servicing transition has not occurred.-->
    <assetSubjectDemandIndicator />
    <!--Item 3(h) Asset Subject to Demand - "Demand of Repurchase or Replace" refers to cases where repurchases or replacements are made. If "false", {Item 3(h)(1) to Item 3(h)(5)} will be omitted.-->
    <assetSubjectDemandStatusCode />
    <!--Item 3(h)(1) Status of Asset Subject to Demand - "Status of Asset Subject to Demand" refers to whether or not vehicle has been repurchased or replaced. It is omitted if {Item 3(h)} is "false".-->
    <repurchaseAmount />
    <!--Item 3(h)(2) Repurchase Amount - "Repurchase Amount" is the Beginning Account balance once repurchase or replacement has been made. It is omitted if {Item 3(h)} is "false".-->
    <demandResolutionDate />
    <!--Item 3(h)(3) Demand Resolution Date - "Demand Resolution Date" refers to the date of the repurchase or replacement. It is omitted if {Item 3(h)} is "false".-->
    <repurchaserName />
    <!--Item 3(h)(4) Repurchaser - "Repurchaser" is VW Credit, Inc. It is omitted if {Item 3(h)} is "false".-->
    <repurchaseReplacementReasonCode />
    <!--Item 3(h)(5) Repurchase or Replacement Reason - "Repurchase or Replacement Reason" refers to reason behind repurchase or replacement, is stated using SEC codes. It is omitted if {Item 3(h)} is "false".-->
    <chargedoffPrincipalAmount />
    <!--Item 3(i)(1) Charged-off Principal Amount - "Charged-Off Principal Amount" represents the Principal Balance of a Defaulted Receivable immediately prior to such Receivable having become a Defaulted Receivable during the current reporting period. It is omitted when {Item 3(f)(24)(ii)} is not equal to "4 - Charged-off".-->
    <recoveredAmount />
    <!--Item 3(i)(2) Amounts Recovered - "Amounts Recovered" represents recoveries received in respect of a Defaulted Receivable during the current reporting period, and includes amounts reported in {Item 3(k)(1)} - It also includes balance for accounts previously closed with a remaining balance at time of closing or a negative recovery in case of prior period adjustment. Repossession Proceeds. It is omitted if no recoveries are made.-->
    <modificationTypeCode />
    <!--Item 3(j)(1) Modification Type - "Loan modification Type" refers to any modifications made to the original contract, and is stated using SEC codes. SEC Code value "98" is used for any changes to due date. This field is omitted if {Item 3(f)(3)} -Modification Indicator - is "false".-->
    <paymentExtendedNumber />
    <!--Item 3(j)(2) Payment Extension - "Payment Extension" refers to payment extensions made during the life of the loan and is represented by number of months. This field is omitted if there are no extensions.-->
    <repossessedIndicator />
    <!--Item 3(k) Repossessed - "Repossession Indicator" is "true" for any account in respect of which the related Financed Vehicle is included in VCI`s repossessed vehicle inventory as of the end of the current reporting period. Reported value will be updated to "false" for any Receivable subsequently reinstated to non-repossessed status.-->
    <repossessedProceedsAmount />
    <!--Item 3(k)(1) Repossession Proceeds - "Repossession Proceeds" refers to the amount of proceeds from repossession during the current reporting period. It is omitted if {Item 3(k)} is "false".-->
  </assets>
</assetData>
