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      "text": "Enhancement Step-Up Trigger\nIf average monthly principal payment rate for the three preceding collection periods is less than 25%, subordination or reserve fund percentage increases by four percentage points\nDuring periods when the EFA exceeds 30%, certain Principal Collections may be used for potential shortfalls in interest or fees",
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      "text": "Amortization Triggers\nAverage monthly principal payment rate for the three preceding collection periods is less than 21%\nCash balance in the excess funding account exceeds 70% of the adjusted invested amount of all series for three consecutive months\nAvailable subordinated amount is less than the required subordinated amount\nBankruptcy, insolvency or similar events relating to the depositor, the issuer, Ford Credit or Ford",
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