Ginkgo Personal Loans 2020-1: Rating Report

DBRS Ratings Limited (DBRS Morningstar) assigned ratings of AAA (sf), AA (sf), A (low) (sf), BBB (sf), BB (sf), and B (sf) to the Class A, Class B, Class C, Class D, Class E, and Class F Notes (collectively, the Notes) issued by Ginkgo Personal Loans 2020-1 (the Issuer).