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Presale: Pepper I-Prime 2020-1 Trust

The preliminary ratings assigned by S&P Global Ratings to the prime floating-rate pass-through residential mortgage-backed securities (RMBS) to be issued by Permanent Custodians Ltd. as trustee for Pepper I-Prime 2020-1 Trust reflect the following factors. The credit risk of the underlying collateral portfolio and the credit support provided to each class of rated notes are commensurate with the ratings assigned.