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FREE WRITING PROSPECTUS | | Filed Pursuant to Rule 433 |
Dated January 25, 2008 | | Registration No. 333-147112 |
| | Registration No. 333-147112-01 |
CARAT 2008-1 — Final Pricing Details $1bn Auto ABS
Jt-Lead Mgrs: GS, Citi, ABN
*100% Pot*
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| | Size | | | | | | | | | | | | | | | | Legal | | | | | | | | | | |
Class | | (MM) | | WAL | | Rating (M/S/D) | | Window | | Exp Final | | Final | | Bnchmk | | Spread | | Coupon | | Yield | | Price |
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A2A | | | 125.0 | | | | 1.00 | | | Aaa/AAA/AAA | | | 6-17 | | | | 7/15/09 | | | | 9/15/10 | | | EDSF | | | +70 | | | | 3.52 | | | | 3.551 | | | | 99.9948 | |
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A2B | | | 136.0 | | | | 1.00 | | | Aaa/AAA/AAA | | | 6-17 | | | | 7/15/09 | | | | 9/15/10 | | | 1ML | | | +70 | | | | | | | | | | | | 100.0000 | |
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A3A | | | 55.0 | | | | 2.20 | | | Aaa/AAA/AAA | | | 17-37 | | | | 3/15/11 | | | | 8/15/12 | | | SWPS | | | +100 | | | | 3.86 | | | | 3.900 | | | | 99.9814 | |
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A3B | | | 304.0 | | | | 2.20 | | | Aaa/AAA/AAA | | | 17-37 | | | | 3/15/11 | | | | 8/15/12 | | | 1ML | | | +100 | | | | | | | | | | | | 100.0000 | |
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A4A | | | 66.407 | | | | 3.55 | | | Aaa/AAA/AAA | | | 37-49 | | | | 3/15/12 | | | | 7/15/14 | | | SWPS | | | +135 | | | | 4.46 | | | | 4.509 | | | | 99.9759 | |
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A4B | | | 54.0 | | | | 3.55 | | | Aaa/AAA/AAA | | | 37-49 | | | | 3/15/12 | | | | 7/15/14 | | | 1ML | | | +135 | | | | | | | | | | | | 100.0000 | |
A1 is being offered via 144a
Erisa Eligible- Yes
Pricing Speed 1.4ABS to 2% Call
First Payment March 17th
A2A, A2B, A3A, A3B, A4A, A4B will be sized to demand
Expected Settlement February 1st
STATEMENT REGARDING THIS FREE WRITING PROSPECTUS
The Depositor has filed a registration statement (including the prospectus (the “Prospectus”)) with the SEC for the offering to which this communication relates. Before you invest, you should read the Prospectus in the registration statement and other documents the Depositor has filed with the SEC for more complete information about the Depositor, the issuing trust and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the Depositor or Goldman, Sachs & Co., the underwriter for this offering, will arrange to send the Prospectus to you if you request it by calling toll-free 1-866-471-2526.