<SEC-DOCUMENT>0001171843-25-003669.txt : 20250604
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<ACCEPTANCE-DATETIME>20250604112102
ACCESSION NUMBER:		0001171843-25-003669
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20250529
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250604
DATE AS OF CHANGE:		20250604

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAS CARMART INC
		CENTRAL INDEX KEY:			0000799850
		STANDARD INDUSTRIAL CLASSIFICATION:	RETAIL-AUTO DEALERS & GASOLINE STATIONS [5500]
		ORGANIZATION NAME:           	07 Trade & Services
		EIN:				630851141
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14939
		FILM NUMBER:		251022317

	BUSINESS ADDRESS:	
		STREET 1:		1805 NORTH 2ND STREET
		STREET 2:		SUITE 401
		CITY:			ROGERS
		STATE:			AR
		ZIP:			72756
		BUSINESS PHONE:		(479) 464-9944

	MAIL ADDRESS:	
		STREET 1:		1805 NORTH 2ND STREET
		STREET 2:		SUITE 401
		CITY:			ROGERS
		STATE:			AR
		ZIP:			72756

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CROWN GROUP INC /TX/
		DATE OF NAME CHANGE:	19971022

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CROWN CASINO CORP
		DATE OF NAME CHANGE:	19931104

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SKYLINK AMERICA INC
		DATE OF NAME CHANGE:	19920703
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<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b>UNITED STATES</b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">Washington D.C. 20549</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b>FORM <span id="xdx_901_edei--DocumentType_c20250529__20250529_zQhHvMJVAYG"><ix:nonNumeric contextRef="AsOf2025-05-29" id="Fact000009" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b>&#160;</b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b>CURRENT REPORT </b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt"></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">Date of Report (Date of earliest event reported): <span id="xdx_909_edei--DocumentPeriodEndDate_c20250529__20250529_z7dcbaHuEvgi"><ix:nonNumeric contextRef="AsOf2025-05-29" format="ixt:datemonthdayyearen" id="Fact000010" name="dei:DocumentPeriodEndDate">May 29, 2025</ix:nonNumeric></span></p>

<p style="margin: 0pt 0; font-size: 10pt"><b>&#160;</b></p>

<p style="margin: 0pt 0; font-size: 10pt"></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b><span id="xdx_90F_edei--EntityRegistrantName_c20250529__20250529_zNgXde8B77kk"><ix:nonNumeric contextRef="AsOf2025-05-29" id="Fact000011" name="dei:EntityRegistrantName">AMERICA&#8217;S CAR-MART, INC.</ix:nonNumeric></span></b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">(Exact name of registrant as specified in its charter)</p>

<p style="margin: 0pt 0; font-size: 10pt"></p>

<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

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    <td style="text-align: center"><span style="font-size: 10pt">(Commission file number)</span></td>
    <td style="text-align: center"><span style="font-size: 10pt">(I.R.S. Employer Identification No.)</span></td></tr>
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<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b><span id="xdx_909_edei--EntityAddressAddressLine1_c20250529__20250529_zFXtusakWlOh"><ix:nonNumeric contextRef="AsOf2025-05-29" id="Fact000015" name="dei:EntityAddressAddressLine1">1805 North 2<sup>nd</sup> Street</ix:nonNumeric></span>, <span id="xdx_900_edei--EntityAddressAddressLine2_c20250529__20250529_z3yHuuozQDtg"><ix:nonNumeric contextRef="AsOf2025-05-29" id="Fact000016" name="dei:EntityAddressAddressLine2">Suite 401</ix:nonNumeric></span>, <span id="xdx_90E_edei--EntityAddressCityOrTown_c20250529__20250529_zF9ynzJelvt6"><ix:nonNumeric contextRef="AsOf2025-05-29" id="Fact000017" name="dei:EntityAddressCityOrTown">Rogers</ix:nonNumeric></span>, <span id="xdx_902_edei--EntityAddressStateOrProvince_c20250529__20250529_zQVFB6xiWfB4"><ix:nonNumeric contextRef="AsOf2025-05-29" format="ixt-sec:stateprovnameen" id="Fact000018" name="dei:EntityAddressStateOrProvince">Arkansas</ix:nonNumeric></span> <span id="xdx_90E_edei--EntityAddressPostalZipCode_c20250529__20250529_zzOWiKJvExC1"><ix:nonNumeric contextRef="AsOf2025-05-29" id="Fact000019" name="dei:EntityAddressPostalZipCode">72756</ix:nonNumeric></span></b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">(Address of principal executive offices, including zip code)</p>

<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"><b><span id="xdx_906_edei--CityAreaCode_c20250529__20250529_zx2Ik5GGhQe"><ix:nonNumeric contextRef="AsOf2025-05-29" id="Fact000020" name="dei:CityAreaCode">(479)</ix:nonNumeric></span> <span id="xdx_90E_edei--LocalPhoneNumber_c20250529__20250529_ztX4dcPfJcI7"><ix:nonNumeric contextRef="AsOf2025-05-29" id="Fact000021" name="dei:LocalPhoneNumber">464-9944</ix:nonNumeric></span></b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">(Registrant&#8217;s telephone number, including area code)</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>

<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt"></p>

<p style="margin: 0pt 0; font-size: 10pt"> <span id="xdx_90A_edei--WrittenCommunications_c20250529__20250529_zz9dqRcmwV9d"><ix:nonNumeric contextRef="AsOf2025-05-29" format="ixt:booleanfalse" id="Fact000022" name="dei:WrittenCommunications">&#9744;</ix:nonNumeric></span> Written communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)</p>

<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt"> <span id="xdx_906_edei--SolicitingMaterial_c20250529__20250529_zLlwqLtCQbr8"><ix:nonNumeric contextRef="AsOf2025-05-29" format="ixt:booleanfalse" id="Fact000023" name="dei:SolicitingMaterial">&#9744;</ix:nonNumeric></span> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)</p>

<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt"> <span id="xdx_903_edei--PreCommencementTenderOffer_c20250529__20250529_zTa9a6JZQeo5"><ix:nonNumeric contextRef="AsOf2025-05-29" format="ixt:booleanfalse" id="Fact000024" name="dei:PreCommencementTenderOffer">&#9744;</ix:nonNumeric></span> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
(17 CFR 240.14d-2(b))</p>

<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify"> <span id="xdx_90D_edei--PreCommencementIssuerTenderOffer_c20250529__20250529_zb8NZ8lnaBY4"><ix:nonNumeric contextRef="AsOf2025-05-29" format="ixt:booleanfalse" id="Fact000025" name="dei:PreCommencementIssuerTenderOffer">&#9744;</ix:nonNumeric></span> Pre-commencement communications pursuant to Rule 13e-4(c)
under the Exchange Act (17 CFR 240.13e-4(c))</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">Securities registered pursuant to Section&#160;12(b)&#160;of the Act:</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: center"></p>

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  <tr style="vertical-align: top">
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    <td style="border-top: Black 1pt solid; width: 34%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Trading Symbol(s)</td>
    <td style="border-top: Black 1pt solid; width: 33%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Name of each exchange on which registered</td></tr>
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<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule
405 of the Securities Act of 1933 (17 CFR &#167;230.405) or Rule&#160;12b-2&#160;of the Securities Exchange Act of 1934 (17 CFR&#160;&#167;240.12b-2).</p>

<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt">Emerging growth company <span id="xdx_90C_edei--EntityEmergingGrowthCompany_c20250529__20250529_zvfDqzQCLy7f"><ix:nonNumeric contextRef="AsOf2025-05-29" format="ixt:booleanfalse" id="Fact000029" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></p>

<p style="margin: 0pt 0; font-size: 10pt">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt">If an emerging growth company, indicate by check mark if the registrant has elected not to use
the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a)
of the Exchange Act. &#9744;</p>

<p style="margin: 0pt 0; font-size: 10pt"><b>&#160;</b></p>

<!-- Field: Page; Sequence: 1 -->
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<p style="margin: 0pt 0; font-size: 10pt"><b>&#160;</b></p>

<p style="margin: 0pt 0; font-size: 10pt"><b></b></p>

<table cellpadding="0" cellspacing="0" style="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"/><td style="width: 1in"><b>Item 1.01.</b></td><td style="text-align: justify"><b>Entry into a Material Definitive Agreement.</b></td></tr></table>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify"><b>&#160;</b></p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">On May 29, 2025, affiliates of America&#8217;s Car-Mart,&#160;Inc. (the
&#8220;Company&#8221;) completed a securitization transaction (the &#8220;Securitization Transaction&#8221;), which involved the issuance
and sale in a private offering of $165,180,000 aggregate principal amount of 5.55% Class A Asset Backed Notes (the &#8220;Class A Notes&#8221;)
and $50,820,000 aggregate principal amount of 7.25% Class B Asset Backed Notes (the &#8220;Class B Notes&#8221; and, together with the
Class A Notes, the &#8220;Notes&#8221;). The Notes were issued by ACM Auto Trust 2025-2 (the &#8220;Issuer&#8221;), an indirect subsidiary
of the Company. The Notes are collateralized by $363.0 million of accounts receivable related to installment sale contracts originated
by the Company&#8217;s operating subsidiaries, America&#8217;s Car Mart, Inc. and Texas Car-Mart, Inc. The Issuer will be the sole obligor
of the Notes; the Notes will not be obligations of or guaranteed by the Company or any of its other affiliates or subsidiaries. Net proceeds
from the offering (after deducting the underwriting discount payable to the initial purchasers and other expenses) were approximately
$214.5 million and are being used to pay outstanding debt and make the initial deposits into collection and reserve accounts for the benefit
of noteholders.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">S&amp;P Global Rating Agency has rated the Notes as follows: Class&#160;A
Notes, A<sup>(sf)</sup>; and Class B Notes, BBB<sup>(sf)</sup>.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">To execute the Securitization Transaction, Colonial Auto Finance, Inc.,
a wholly-owned subsidiary of the Company (the &#8220;Seller&#8221;), sold or conveyed certain customer receivable contracts (the &#8220;Receivables&#8221;)
(loans made to finance customer purchases of used vehicles from the Company&#8217;s subsidiaries) to ACM Funding, LLC, an indirect wholly-owned
subsidiary of the Company (the &#8220;Depositor&#8221;), pursuant to a Purchase Agreement, dated as of May 29, 2025, by and between the
Seller and the Depositor (the &#8220;Purchase Agreement&#8221;). The Receivables were then sold by the Depositor to the Issuer pursuant
to a Sale and Servicing Agreement, dated May 29, 2025, by and between the Depositor, the Issuer, America&#8217;s Car Mart, Inc., as servicer
(the &#8220;Servicer&#8221;), and Deutsche Bank National Trust Company, as trustee (the &#8220;Trustee&#8221;) (the &#8220;Sale and Servicing
Agreement&#8221;). Under the Sale and Servicing Agreement, the Servicer is responsible for servicing the Receivables and the Servicer
will receive a monthly service fee equal to 4.00% (annualized) based on the outstanding principal balance of the Receivables. If the Servicer
defaults on its obligations under the Sale and Servicing Agreement, it may, and under certain circumstances, will be terminated and replaced
as servicer.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">The Notes were issued pursuant to an Indenture, dated May 29, 2025, by
and between the Issuer and the Trustee (the &#8220;Indenture&#8221;). The Issuer will pay interest and principal on the Notes monthly
on the 20th day of each month (or, if that day is not a business day, on the next business day), starting on June 20, 2025. The Class
A Notes mature on June 20, 2028, and the Class B Notes mature on February 20, 2032.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">The Notes were sold initially to BMO Capital Markets Corp. and MUFG Securities
Americas Inc. as initial purchasers, and then reoffered and resold only to &#8220;Qualified Institutional Buyers&#8221; as defined in
Rule 144A (&#8220;Rule 144A&#8221;) under the Securities Act of 1933, as amended, in transactions meeting the requirements of Rule 144A.&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">Credit enhancement for the Notes will consist of over-collateralization,
a reserve account funded with an initial amount of 2.50% of the pool balance as of the cut-off date, excess interest on the Receivables,
and the subordination of certain payments to the noteholders of less senior classes of notes.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">The Servicer will have the right at its option to purchase (and/or designate
one or more other persons to purchase) the Receivables and the other issuing entity property (other than the reserve account) from the
issuing entity on any payment date if both of the following conditions are satisfied: (a) as of the last day of the related collection
period, the Note balance has declined to 10% or less of the Note balance as of May 29, 2025, and (b) the sum of the purchase price (as
described below) and the available funds for such payment date would be sufficient to pay the sum of (i) the servicing fee for such payment
date and all unpaid servicing fees for prior periods, (ii) all fees, expenses and indemnities owed to the Trustee, the owner trustee,
the backup servicer, the certificate registrar, the paying agent and the calculation agent and not previously paid (without giving effect
to any caps), (iii) interest then due on the outstanding Notes and (iv) the aggregate unpaid Note balance of all of the outstanding Notes.
If the Servicer (or its designee) purchases the Receivables and other Issuer property (other than the reserve account), the purchase price
will equal the greater of (a) the unpaid principal amount of all of the outstanding Notes, plus accrued and unpaid interest on the outstanding
Notes at the applicable interest rate up to but excluding that payment date (after giving effect to all distributions to be made on that
payment date) and (b) the pool balance.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

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<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">If certain events of default were to occur under the Indenture, the Trustee
may, and at the direction of the required noteholders, shall cause the unpaid principal amount of all of the Notes outstanding, together
with accrued and unpaid interest thereon, to be immediately due and payable. Events of default under the Indenture include, but are not
limited to, events such as failure to make required payments on the Notes or specified bankruptcy-related events. If an event of default
related to specified bankruptcy-related events were to occur under the Indenture, all unpaid principal of and accrued and unpaid interest,
if applicable, on all the Notes outstanding shall become and be immediately due and payable without any declaration or other act on the
part of the Trustee or any noteholder.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">The foregoing descriptions of the Indenture, the Purchase Agreement, and
the Sale and Servicing Agreement do not purport to be complete and are qualified in their entirety by reference to such documents, which
are filed as Exhibits 4.1, 10.1 and 10.2, respectively, to this Current Report on Form&#160;8-K and incorporated by reference herein.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

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<td style="width: 0"/><td style="width: 1in"><b>Item 2.03</b></td><td style="text-align: justify"><b>Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of
a Registrant.</b></td></tr></table>

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<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">The information set forth above under Item 1.01 is hereby incorporated
by reference into this Item 2.03.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

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<td style="width: 0"/><td style="width: 1in"><b>Item 8.01.</b></td><td style="text-align: justify"><b>Other Events.</b></td></tr></table>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">On May 29, 2025, the Company issued a press release announcing the Securitization
Transaction. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<table cellpadding="0" cellspacing="0" style="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"/><td style="width: 1in"><b>Item 9.01.</b></td><td style="text-align: justify"><b>Financial Statements and Exhibits.</b></td></tr></table>

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<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">(d) Exhibits.</p>

<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">&#160;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; background-color: white; font-size: 10pt">
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    <td style="width: 96%; text-align: justify"><a href="exh_41.htm">Indenture, dated May 29, 2025, by and between ACM Auto Trust 2025-2 and Deutsche Bank National Trust Company, as Indenture Trustee.</a></td></tr>
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<p style="margin: 0pt 0; font-size: 10pt; font-weight: bold; text-align: center">SIGNATURES</p>

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<p style="margin: 0pt 0; font-size: 10pt; text-align: justify">Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<p style="margin: 0pt 0; font-size: 10pt"></p>

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<P STYLE="text-align: right; margin: 0"><B>Exhibit 4.1</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: right; margin: 0pt 7.85pt 0pt 0">EXECUTION VERSION</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0"><B>&nbsp;</B></P>


<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; color: Red"></P>

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<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>ACM AUTO TRUST 2025-2</B></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">Class A 5.55% Auto Loan Asset Backed
Notes</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; text-align: center; text-indent: 0in">Class B 7.25% Auto Loan Asset Backed Notes</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt">________________________</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">INDENTURE</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">Dated as of May 29, 2025</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>


<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt">________________________</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><B>DEUTSCHE BANK NATIONAL TRUST COMPANY</B>, as the Indenture Trustee</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

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<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: left"></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><B>TABLE OF CONTENTS</B></P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 90%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 5%">Page</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE</TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 1.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Definitions</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 1.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Other Interpretive Provisions</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">ARTICLE II THE NOTES</TD>
    <TD STYLE="vertical-align: middle; text-align: right">2</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Form</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Execution, Authentication and Delivery</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">3</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Temporary Notes</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">3</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.4 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Registration of Transfer and Exchange</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">3</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.5 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Mutilated, Destroyed, Lost or Stolen Notes</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">5</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.6 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Persons Deemed Owners</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">6</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.7 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Payment of Principal and Interest; Defaulted Interest</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">6</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.8 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Cancellation</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">7</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.9 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Release of Collateral</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">7</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.10 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Book-Entry Notes</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">7</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.11 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Notices to Clearing Agency</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">8</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.12 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Definitive Notes</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">8</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.13 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Authenticating Agents</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">9</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.14 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Tax Treatment</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">9</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.15 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Certain Transfer Restrictions on the Notes</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">10</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.16 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Certain Transfer Restrictions on the Restricted Notes</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">15</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 2.17 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Transfer
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    <TD STYLE="text-align: right; vertical-align: bottom">17</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">ARTICLE III COVENANTS</TD>
    <TD STYLE="vertical-align: middle; text-align: right">17</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Payment of Principal and Interest</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">17</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Maintenance of Office or Agency</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">18</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Money for Payments To Be Held in Trust</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">18</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.4 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Existence</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">20</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.5 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Protection of Collateral</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">20</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.6 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Opinions as to Collateral</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">21</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.7 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Performance of Obligations; Servicing of Receivables</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">21</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.8 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Negative Covenants</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">22</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.9 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Annual Compliance Statement</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">22</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.10 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Restrictions on Certain Other Activities</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">23</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.11 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Restricted Payments</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">23</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.12 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Notice of Events of Default; Servicer Replacement Events</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.13 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Further Instruments and Acts</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.14 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Compliance with Laws</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.15 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Removal of Administrator</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.16 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Perfection Representations, Warranties and Covenants</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.17 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Investment Company Act</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.18 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Tax Information</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  </TABLE>

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<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"></P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; margin: 0pt 0 0pt 1pt"><FONT STYLE="font-size: 10pt"><I>Indenture (ACMAT 2025-2)</I></FONT></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><B>TABLE OF CONTENTS</B></P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">(Continued) &nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 90%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 5%">Page</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 3.19 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Debt Instruments</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">ARTICLE IV SATISFACTION AND DISCHARGE</TD>
    <TD STYLE="text-align: right">24</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 4.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Satisfaction and Discharge of Indenture</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">24</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 4.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Application of Trust Money</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">25</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 4.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Repayment of Monies Held by Paying Agent</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">25</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">ARTICLE V EVENTS OF DEFAULT; REMEDIES</TD>
    <TD STYLE="text-align: right">26</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Events of Default</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">26</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Acceleration of Maturity</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">27</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Collection of
    Indebtedness and Suits for Enforcement by the Indenture Trustee</I></FONT></TD>
    <TD STYLE="text-align: right; vertical-align: bottom">28</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.4 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Remedies; Priorities</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">30</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.5 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Optional Preservation of the Collateral</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">32</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.6 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Limitation of Suits</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">32</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.7 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Rights of Noteholders To Receive Principal and Interest</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">33</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.8 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Restoration of Rights and Remedies</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">33</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.9 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Rights and Remedies Cumulative</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">34</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.10 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Delay or Omission Not a Waiver</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">34</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.11 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Control by Noteholders</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">34</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.12 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Waiver of Past Defaults</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">34</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.13 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Undertaking for Costs</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">35</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.14 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Waiver of Stay or Extension Laws</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">35</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.15 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Action on Notes</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">35</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.16 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Performance and Enforcement of Certain Obligations</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 5.17 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Sale of Collateral</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">ARTICLE VI THE INDENTURE TRUSTEE</TD>
    <TD STYLE="text-align: right">37</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Duties of the Indenture Trustee</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">37</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Rights of the Indenture Trustee</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">38</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Individual Rights of the Indenture Trustee</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">42</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.4 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>The Indenture Trustee&rsquo;s Disclaimer</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">42</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.5 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Notice of Defaults</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">42</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.6 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Reports by the Indenture Trustee to Noteholders</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">42</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.7 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Compensation and Indemnity</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">42</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.8 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Removal, Resignation and Replacement of the Indenture Trustee</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">44</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.9 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Successor Indenture Trustee by Merger</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">45</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.10 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Appointment of Co-Indenture Trustee or Separate Indenture Trustee</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">45</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.11 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Eligibility; Disqualification</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">47</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 6.12 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Representations and Warranties</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">47</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><B>TABLE OF CONTENTS</B></P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">(Continued) &nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 90%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 5%">Page</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><B>ARTICLE VII NOTEHOLDERS&rsquo; LISTS AND REPORTS</B></TD>
    <TD STYLE="text-align: right">47</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 7.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>The Note Registrar to Furnish the Indenture Trustee Names and Addresses of Noteholders</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">47</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 7.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Preservation of Information; Communications to Noteholders</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">47</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 7.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Rule 144A Information</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">48</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">ARTICLE VIII ACCOUNTS, DISBURSEMENTS AND RELEASES</TD>
    <TD STYLE="text-align: right">48</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 8.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Collection of Money</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">48</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 8.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Trust Accounts</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">48</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 8.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>General Provisions Regarding Accounts</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">49</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 8.4 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Release of Collateral</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">50</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 8.5 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Opinion of Counsel</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">51</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><B>ARTICLE IX SUPPLEMENTAL INDENTURES</B></TD>
    <TD STYLE="text-align: right">51</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 9.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Supplemental Indentures Without Consent of Noteholders</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">51</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 9.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Supplemental Indentures with Consent of Noteholders</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">52</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 9.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Execution of Supplemental Indentures</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">54</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 9.4 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Effect of Supplemental Indenture</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">54</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 9.5 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Reference in Notes to Supplemental Indentures</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">54</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><B>ARTICLE X REDEMPTION OF NOTES</B></TD>
    <TD STYLE="text-align: right">55</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 10.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Redemption</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">55</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 10.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Form of Redemption Notice</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">55</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 10.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Notes Payable on Redemption Date</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">56</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2"><B>ARTICLE XI MISCELLANEOUS</B></TD>
    <TD STYLE="text-align: right">56</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.1 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Compliance Certificates and Opinions, etc</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">56</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.2 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Form of Documents Delivered to the Indenture Trustee</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">57</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.3 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Acts of Noteholders</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">58</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.4 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Notices</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">59</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.5 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Notices to Noteholders; Waiver</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">59</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.6 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Alternate Payment and Notice Provisions</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">59</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.7 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Information Requests</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">60</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.8 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Effect of Headings and Table of Contents</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">60</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.9 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Successors and Assigns</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">60</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.10 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Separability</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">60</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.11 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Benefits of Indenture</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">60</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.12 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Legal Holidays</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">60</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.13 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>GOVERNING LAW; Submission to Jurisdiction; Waiver of Jury Trial</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">60</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.14 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Counterparts and Electronic Signature</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">61</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.15 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Recording of Indenture</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">62</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.16 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Trust Obligation</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">62</TD></TR>
  </TABLE>

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<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt; font-style: italic"><FONT STYLE="font-weight: normal"><FONT STYLE="font-style: normal">&nbsp;</FONT></FONT></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 2.95pt 0pt 0"></P>

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<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><B>TABLE OF CONTENTS</B></P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">(Continued) &nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 90%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 5%">Page</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.17 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>No Petition</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">62</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.18 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Intent</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">62</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.19 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Subordination of Claims</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">63</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.20 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Limitation of Liability of Owner Trustee</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">63</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.21 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>AML Law</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">64</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">SECTION 11.22 <FONT STYLE="font-size: 10pt; font-weight: 400"><I>Severability of Provisions</I></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">64</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
</TABLE>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left; width: 10%">Schedule I</TD>
    <TD STYLE="vertical-align: middle; text-align: left; width: 85%">Perfection Representations, Warranties and Covenants&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Exhibit A</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Form of Notes</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

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<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 142.25pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">This <B>INDENTURE, </B>dated as of May
29, 2025 (as amended, restated, supplemented or otherwise modified and in effect from time to time, this &#8220;<U>Indenture</U>&#8221;),
is between <B>ACM AUTO TRUST 2025-2</B>, a Delaware statutory trust (the &#8220;<U>Issuer</U>&#8221;), and <B>DEUTSCHE BANK NATIONAL TRUST
COMPANY</B>, a national banking association, solely as trustee and not in its individual capacity (the &#8220;<U>Indenture Trustee</U>&#8221;).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Each party agrees as follows for the benefit
of the other party and the equal and ratable benefit of the Holders of the Issuer&#8217;s Class A 5.55% Auto Loan Asset Backed Notes (the
&#8220;<U>Class A Notes</U>&#8221;) and then for the equal and ratable benefit of the Holders of the Issuer&#8217;s Class B 7.25% Auto
Loan Asset Backed Notes (the &#8220;<U>Class B Notes</U>&#8221; and, together with the Class A Notes, the &#8220;<U>Notes</U>&#8221;).</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 118.1pt 0pt 115.1pt">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.1pt; font-size: 10pt; font-weight: bold; text-align: center">GRANTING CLAUSE</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Issuer to secure the payment of principal
of and interest on, and any other amounts owing in respect of, the Notes, equally and ratably without prejudice, priority or distinction
except as set forth herein, and to secure compliance with the provisions of this Indenture, hereby Grants in trust to the Indenture Trustee
on the Closing Date, as trustee for the benefit of the Noteholders, all of the Issuer&#8217;s right, title and interest, whether now owned
or hereafter acquired, in and to (i) the Trust Estate and (ii) all present and future claims, demands, causes and choses in action in
respect of any or all of the Trust Estate and all payments on or under and all proceeds of every kind and nature whatsoever in respect
of any or all of the Trust Estate, including all proceeds of the conversion, voluntary or involuntary, into cash or other liquid property,
all cash proceeds, accounts, accounts receivable, notes, drafts, acceptances, chattel paper, checks, deposit accounts, insurance proceeds,
condemnation awards, rights to payment of any and every kind and other forms of obligations and receivables, instruments, securities,
financial assets and other property which at any time constitute all or part of or are included in the proceeds of any of the Trust Estate
(collectively, the &#8220;<U>Collateral</U>&#8221;).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Indenture Trustee, on behalf of the
Noteholders, acknowledges the foregoing Grant, accepts the trusts under this Indenture and agrees to perform its duties required in this
Indenture in accordance with the provisions of this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The foregoing Grant is made in trust to
secure (i) the payment of principal of and interest on, and any other amounts owing in respect of, the Notes, equally and ratably without
prejudice, priority or distinction except as set forth herein and (ii) compliance with the provisions of this Indenture, each as provided
in this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Without limiting the foregoing
Grant, any Receivable purchased by the Servicer pursuant to Section 3.6 of the Sale and Servicing Agreement or repurchased by
Colonial pursuant to Section 3.4 of the Purchase Agreement shall be deemed to be automatically released from the lien of this
Indenture without any action being taken by the Indenture Trustee upon payment by the Servicer or Colonial, as applicable, of the
related Repurchase Price for such Repurchased Receivable.</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 118.1pt 0pt 1.6in"></P>

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<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE I</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>DEFINITIONS AND INCORPORATION BY REFERENCE</B></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 1.1 <I>Definitions</I>. Capitalized
terms are used in this Indenture as defined in <U>Appendix A</U> to the Sale and Servicing Agreement dated as of the date hereof (as amended,
restated, modified or supplemented from time to time, the &#8220;<U>Sale and Servicing Agreement</U>&#8221;), among ACM Funding, LLC,
as seller, the Issuer, America&#8217;s Car Mart, Inc., as servicer, Deutsche Bank National Trust Company, as indenture trustee, as paying
agent and as calculation agent, and Systems &amp; Services Technologies, Inc., as backup servicer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.6pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.6pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 1.2 <I>Other Interpretive
Provisions</I>. All terms defined in this Indenture shall have the defined meanings when used in any certificate or other document
delivered pursuant hereto unless otherwise defined therein. For purposes of this Indenture and all such certificates and other
documents, unless the context otherwise requires: (a) accounting terms not otherwise defined in this Indenture, and accounting terms
partly defined in this Indenture to the extent not defined, shall have the respective meanings given to them under GAAP (provided,
that, to the extent that the definitions in this Indenture and GAAP conflict, the definitions in this Indenture shall control); (b)
terms defined in Article 9 of the UCC as in effect in the relevant jurisdiction and not otherwise defined in this Indenture are used
as defined in that Article; (c) the words &#8220;hereof,&#8221; &#8220;herein&#8221; and &#8220;hereunder&#8221; and words of
similar import refer to this Indenture as a whole and not to any particular provision of this Indenture; (d) references to any
Article, Section, Schedule or Exhibit are references to Articles, Sections, Schedules and Exhibits in or to this Indenture and
references to any paragraph, subsection, clause or other subdivision within any Section or definition refer to such paragraph,
subsection, clause or other subdivision of such Section or definition; (e) the term &#8220;including&#8221; and all variations
thereof means &#8220;including without limitation&#8221;; (f) except as otherwise expressly provided herein, references to any law
or regulation refer to that law or regulation as amended from time to time and include any successor law or regulation; (g)
references to any Person include that Person&#8217;s successors and assigns; and (h) headings are for purposes of reference only and
shall not otherwise affect the meaning or interpretation of any provision hereof.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; text-indent: 0.15pt; margin: 0pt 207.35pt 0pt 204.4pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE II</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">THE
NOTES</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 7.6pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.1 <I>Form</I>. The Class A Notes
and the Class B Notes, in each case together with the Indenture Trustee&#8217;s certificate of authentication, shall be in
substantially the form set forth in <U>Exhibit A</U> hereto, with such appropriate insertions, omissions, substitutions and other
variations as are required or permitted by this Indenture and may have such letters, numbers or other marks of identification and
such legends or endorsements placed thereon as may, consistently herewith, be determined by the officers executing the Notes, as
evidenced by their execution of the Notes. Any portion of the text of any Note may be set forth on the reverse thereof, with an
appropriate reference thereto on the face of the Note.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.6pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Each Note shall be dated the date of its authentication.
The terms of the Notes set forth in <I>Exhibit A</I> hereto are part of the terms of this Indenture.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

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<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">SECTION 2.2 <I>Execution, Authentication
and Delivery</I>. The Notes shall be executed on behalf of the Issuer by any of its Authorized Officers. The signature of any such Authorized
Officer on the Notes may be manual or facsimile. Notes bearing the manual or facsimile signature of individuals who were at any time Authorized
Officers of the Issuer shall bind the Issuer, notwithstanding that such individuals or any of them have ceased to hold such offices prior
to the authentication and delivery of such Notes or did not hold such offices at the date of such Notes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Indenture Trustee shall, upon Issuer
Order, authenticate and deliver Class A Notes for original issue in an aggregate principal amount of $165,180,000 and Class B Notes for
original issue in an aggregate principal amount of $50,820,000. The Note Balance of Class A Notes and Class B Notes Outstanding at any
time may not exceed such amounts except as provided in <U>Section 2.5</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Each Note shall be dated the date of its
authentication. The Class A Notes and the Class B Notes shall be issuable as registered Notes in the minimum denomination of $100,000
and in integral multiples of $1,000 in excess thereof (except for one Note of each Class which may be issued in a denomination other than
an integral multiple of $1,000).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">No Note shall be entitled to any benefit
under this Indenture or be valid or obligatory for any purpose, unless there appears on such Note a certificate of authentication substantially
in the form provided for herein executed by the Indenture Trustee by the manual or facsimile signature of one of its authorized signatories,
and such certificate upon any Note shall be conclusive evidence, and the only evidence, that such Note has been duly authenticated and
delivered hereunder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Each Noteholder or Note Owner, by acceptance
of a Note, acknowledges and agrees that it is bound by and deemed to have notice of, all provisions of this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.3 <I>Temporary Notes</I>. Pending
the preparation of Definitive Notes, the Issuer may execute, and upon receipt of an Issuer Order, the Indenture Trustee shall authenticate
and deliver, temporary Notes which are printed, lithographed, typewritten, mimeographed or otherwise produced, of the tenor of the Definitive
Notes in lieu of which they are issued and with such variations not inconsistent with the terms of this Indenture as the officers executing
such Notes may determine, as evidenced by their execution of such Notes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">If temporary Notes are issued, the Issuer
shall cause Definitive Notes to be prepared without unreasonable delay. After the preparation of Definitive Notes, the temporary Notes
shall be exchangeable for Definitive Notes upon surrender of the temporary Notes at the office or agency of the Issuer to be maintained
as provided in <U>Section 3.2</U>, without charge to the Holder. Upon surrender for cancellation of any one or more temporary Notes, the
Issuer shall execute and the Indenture Trustee upon Issuer Order shall authenticate and deliver in exchange therefor a like principal
amount of Definitive Notes of authorized denominations. Until so exchanged, the temporary Notes shall in all respects be entitled to the
same benefits under this Indenture as Definitive Notes.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 2.4 <I>Registration of Transfer and Exchange</I>.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

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<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer shall cause to be kept a register (the &#8220;<U>Note Register</U>&#8221;) in which, subject to such reasonable regulations
as it may prescribe, the Issuer shall provide for the registration of Notes and the registration of transfers of Notes. The Indenture
Trustee shall initially be the registrar (the &#8220;<U>Note Registrar</U>&#8221;) for the purpose of registering Notes and transfers
of Notes as herein provided. Upon any resignation of any Note Registrar, the Issuer shall promptly appoint a successor or, if it elects
not to make such an appointment, assume the duties of Note Registrar.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">If a Person other than the Indenture Trustee
is appointed by the Issuer as Note Registrar, the Issuer shall give the Indenture Trustee prompt written notice of the appointment of
such Note Registrar and of the location, and any change in the location, of the Note Register, and the Indenture Trustee shall have the
right to inspect the Note Register at all reasonable times and to obtain copies thereof, and the Indenture Trustee shall have the right
to conclusively rely upon a certificate executed on behalf of the Note Registrar by a Responsible Officer thereof as to the names and
addresses of the Noteholders and the principal amounts and number of such Notes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Notwithstanding the foregoing, for so
long as Deutsche Bank National Trust Company is acting as the Indenture Trustee hereunder, the Indenture Trustee shall also act as the
Note Registrar.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to the other applicable provisions of this <U>Article II</U>, upon surrender for registration of transfer of any Note at the office
or agency of the Issuer to be maintained as provided in <U>Section 3.2</U>, if the requirements of Section 8-401 of the UCC are met, the
Issuer shall execute and upon its written request the Indenture Trustee shall authenticate and the Noteholder shall obtain from the Indenture
Trustee, in the name of the designated transferee or transferees, one or more new Notes, in any authorized denominations, of the same
Class and a like aggregate outstanding principal amount.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">At the option of the related Noteholder,
Notes may be exchanged for other Notes in any authorized denominations, of the same Class and a like Note Balance, upon surrender of the
Notes to be exchanged at such office or agency. Whenever any Notes are so surrendered for exchange, subject to the other applicable provisions
of this <U>Article II</U>, if the requirements of Section 8-401 of the UCC are met the Issuer shall execute and, upon Issuer Request,
the Indenture Trustee shall authenticate and the related Noteholder shall obtain from the Indenture Trustee, the Notes which the Noteholder
making the exchange is entitled to receive.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
All Notes issued upon any registration of transfer or exchange of Notes shall be the valid obligations of the Issuer, evidencing the same
debt, and entitled to the same benefits under this Indenture, as the Notes surrendered upon such registration of transfer or exchange.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Every Note presented or surrendered for registration of transfer or exchange shall be (i) duly endorsed by, or be accompanied by a written
instrument of transfer in form and substance satisfactory to the Issuer and the Indenture Trustee duly executed by the Noteholder thereof
or its attorney-in-fact duly authorized in writing, with such signature guaranteed by an &#8220;eligible grantor institution&#8221; meeting
the requirements of the Note Registrar which requirements include membership or participation in the Securities Transfer Agents Medallion
Program (&#8220;<U>STAMP</U>&#8221;) or such other &#8220;signature guarantee program&#8221; as may be determined by the Note Registrar
in addition to, or in substitution for, STAMP, all in accordance with the Exchange Act</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt">and (ii) accompanied by such other documents as
the Indenture Trustee may require, including but not limited to the applicable IRS Form W-8 or W-9.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
No service charge shall be made to a Noteholder for any registration of transfer or exchange of Notes, but the Issuer or the Indenture
Trustee may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any
registration of transfer or exchange of Notes, other than exchanges pursuant to <U>Section 2.3</U> or <U>Section 9.5</U> not involving
any transfer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The preceding provisions of this <U>Section
2.4</U> notwithstanding, the Issuer shall not be required to make and the Note Registrar need not register transfers or exchanges of any
Notes selected for redemption or of any Note for a period of fifteen (15) days preceding the Redemption Date or any Payment Date, as applicable.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.5 <I>Mutilated, Destroyed, Lost
or Stolen Notes</I>. If (i) any mutilated Note is surrendered to the Indenture Trustee, or the Indenture Trustee receives evidence to
its satisfaction of the destruction, loss or theft of any Note, and (ii) there is delivered to the Indenture Trustee such security, surety,
bond or indemnity as may be required by it to hold the Issuer, the Note Registrar and the Indenture Trustee harmless, then, in the absence
of written notice to the Issuer, or to a Responsible Officer of the Note Registrar or the Indenture Trustee that such Note has been acquired
by a &#8220;protected purchaser&#8221; (as contemplated by Article 8 of the UCC), and provided that the requirements of Section 8-405
of the UCC are met, the Issuer shall execute and upon its written request the Indenture Trustee shall authenticate and deliver, in exchange
for or in lieu of any such mutilated, destroyed, lost or stolen Note, a replacement Note; <I>provided</I> that if any such destroyed,
lost or stolen Note, but not a mutilated Note, shall have become or within seven days shall be due and payable, or shall have been called
for redemption, instead of issuing a replacement Note, the Issuer may upon delivery of the security, surety, bond or indemnity herein
required pay such destroyed, lost or stolen Note when so due or payable or upon the Redemption Date without surrender thereof. If, after
the delivery of such replacement Note or payment of a destroyed, lost or stolen Note pursuant to the proviso to the preceding sentence,
a &#8220;protected purchaser&#8221; (as contemplated by Article 8 of the UCC) of the original Note in lieu of which such replacement Note
was issued presents for payment such original Note, the Issuer and the Indenture Trustee shall be entitled to recover such replacement
Note (or such payment) from the Person to whom it was delivered or any Person taking such replacement Note from such Person to whom such
replacement Note was delivered or any assignee of such Person, except a &#8220;protected purchaser&#8221; (as contemplated by Article
8 of the UCC), and shall be entitled to recover upon the security, surety, bond or indemnity provided therefor to the extent of any loss,
damage, cost or expense incurred by the Issuer or the Indenture Trustee in connection therewith.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Upon the issuance of any replacement Note
under this <U>Section 2.5</U>, the Issuer or the Indenture Trustee may require the payment by the Noteholder of a sum sufficient to cover
any tax or other governmental charge that may be imposed in relation thereto and any other reasonable expenses (including the fees and
expenses of the Indenture Trustee or the Note Registrar) connected therewith.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Every replacement Note issued pursuant
to this <U>Section 2.5</U> in replacement of any mutilated, destroyed, lost or stolen Note shall constitute an original additional contractual</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt">obligation of the Issuer and shall be entitled to
all the benefits of this Indenture equally and proportionately with any and all other Notes duly issued hereunder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The provisions of this <U>Section 2.5</U>
are exclusive and shall preclude (to the extent lawful) all other rights and remedies with respect to the replacement or payment of mutilated,
destroyed, lost or stolen Notes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.6 <I>Persons Deemed Owners</I>.
Prior to due presentment for registration of transfer of any Note, the Issuer, the Paying Agent, the Note Registrar, the Indenture Trustee
and any agent of the Issuer, the Paying Agent, the Note Registrar or the Indenture Trustee shall treat the Person in whose name any Note
is registered (as of the day of determination) as the owner of such Note for the purpose of receiving payments of principal of and interest,
if any, on such Note and for all other purposes whatsoever, whether or not such Note be overdue, and none of the Issuer, the Paying Agent,
the Note Registrar, the Indenture Trustee nor any agent of the Issuer, the Paying Agent, the Note Registrar or the Indenture Trustee shall
be affected by notice to the contrary.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 2.7 <I>Payment of Principal and Interest; Defaulted Interest.</I></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each of the Notes shall accrue interest at its respective Interest Rate, and such interest shall be due and payable on each Payment
Date as specified therein, subject to <U>Sections 3.1</U> and <U>8.2</U>. Any installment of interest or principal, if any, due and
payable on any Note which is punctually paid or duly provided for by the Issuer on the applicable Payment Date shall be paid to the
Person in whose name such Note (or one or more Predecessor Notes) is registered on the Record Date, by wire transfer of immediately
available funds to such account at a bank or other depository institution having appropriate wire transfer facilities as a
Noteholder shall designate by written instruction requested and received by the Paying Agent not later than five (5) Business Days
prior to the Record Date related to the applicable Payment Date or by such alternative method of payment as may be determined in
accordance with <U>Section 11.6</U>, except that, unless Definitive Notes have been issued pursuant to <U>Section 2.12</U>, with
respect to Notes registered on the Record Date in the name of the nominee of the Clearing Agency (initially, such nominee to be Cede
&amp; Co.), payment shall be made by wire transfer in immediately available funds to the account designated by such nominee and
except for the final installment of principal payable with respect to such Note on a Payment Date or on the Final Scheduled Payment
Date for such Class (and except for the Redemption Price for any Note called for redemption pursuant to <U>Section 10.1</U>) which
shall be payable as provided below. The funds represented by any such wires returned undelivered shall be held in accordance with <U>Section
3.3</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The principal of each Note shall be payable in installments on each Payment Date as provided in <U>Section 8.2</U>. Notwithstanding the
foregoing, the entire unpaid Note Balance and all accrued interest thereon shall be due and payable, if not previously paid, on the earlier
of (i) the date on which an Event of Default shall have occurred and be continuing, if the Indenture Trustee or the Holders of a majority
of the Note Balance of the Controlling Class have declared the Notes to be immediately due and payable in the manner provided in <U>Section
5.2</U> and (ii) with respect to any Class of Notes, on the Final Scheduled Payment Date for that Class. All principal payments on each
Class of Notes shall be made pro rata to the Noteholders of such Class entitled thereto. The Indenture Trustee shall notify the Person
in whose name a Note is registered at the close of business on the Record Date preceding the Payment Date on which the Indenture Trustee
expects</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.8pt 0pt 5pt">that the final installment of principal of
and interest on such Note will be paid. Such notice shall be transmitted prior to such final Payment Date and shall specify that such
final installment will be payable only upon presentation and surrender of such Note and shall specify the place where such Note may be
presented and surrendered for payment of such installment. Notices in connection with redemptions of Notes shall be delivered to Noteholders
as provided in <U>Section 10.2</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If the Issuer defaults on a payment of interest on any Class of Notes, the Issuer shall pay defaulted interest (plus interest on such
defaulted interest to the extent lawful at the applicable Interest Rate for such Class of Notes), which shall be due and payable on the
Payment Date following such default. The Issuer shall pay such defaulted interest to the Persons who are Noteholders on the Record Date
for such following Payment Date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.8 <I>Cancellation</I>. All Notes
surrendered for payment, registration of transfer, exchange or redemption shall, if surrendered to any Person other than the Indenture
Trustee, be delivered to the Indenture Trustee and shall be promptly cancelled by the Indenture Trustee. The Issuer may at any time deliver
to the Indenture Trustee for cancellation any Notes previously authenticated and delivered hereunder which the Issuer may have acquired
in any manner whatsoever, and all Notes so delivered shall be promptly cancelled by the Indenture Trustee. No Notes shall be authenticated
in lieu of or in exchange for any Notes cancelled as provided in this <U>Section 2.8</U>, except as expressly permitted by this Indenture.
All cancelled Notes may be held or disposed of by the Indenture Trustee in accordance with its standard retention or disposal policy as
in effect at the time unless the Issuer shall direct by an Issuer Order that they be destroyed or returned to it; <I>provided </I>that
such Issuer Order is timely and that such Notes have not been previously disposed of by the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.9 <I>Release of Collateral</I>.
Except as contemplated by <U>Section 11.1(b)(v)(B)</U>, the Indenture Trustee shall release property from the lien of this Indenture only
upon receipt of an Issuer Order accompanied by an Officer&#8217;s Certificate and an Opinion of Counsel.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.10 <I>Book-Entry Notes</I>. The
Notes, upon original issuance, will be issued in the form of typewritten Notes representing the Book-Entry Notes, to be delivered to the
Indenture Trustee, as agent for DTC, the initial Clearing Agency, by, or on behalf of, the Issuer. One or more fully registered Book-Entry
Notes, not in any case to exceed $500 million in principal amount, shall be issued with respect to each Class of Notes. Such Notes shall
initially be registered on the Note Register in the name of Cede &amp; Co., the nominee of the initial Clearing Agency, and no Note Owner
shall receive a Definitive Note representing such Note Owner&#8217;s interest in such Note, except as provided in <U>Section 2.12</U>.
Unless and until definitive, fully registered Notes (the &#8220;<U>Definitive Notes</U>&#8221;) have been issued to the applicable Note
Owners pursuant to <U>Section 2.12</U>:</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the provisions of this <U>Section 2.10</U> shall be in full force and effect;</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Note Registrar and the Indenture Trustee shall be entitled to deal with the Clearing Agency for all purposes of this Indenture (including
the payment of principal of and interest on the Notes and the giving of instructions or directions hereunder) as the sole Noteholder,
and shall have no obligation to the Note Owners;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
to the extent that the provisions of this <U>Section 2.10</U> conflict with any other provisions of this Indenture, the provisions of
this <U>Section 2.10</U> shall control;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the rights of Note Owners shall be exercised only through the Clearing Agency and shall be limited to those established by law and agreements
between or among such Note Owners and the Clearing Agency and/or the Clearing Agency Participants or Persons acting through Clearing Agency
Participants. Pursuant to the Depository Agreement, unless and until Definitive Notes are issued pursuant to <U>Section 2.12</U>, the
initial Clearing Agency shall make book-entry transfers among the Clearing Agency Participants and receive and transmit payments of principal
of and interest on the Notes to such Clearing Agency Participants; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
whenever this Indenture requires or permits actions to be taken based upon instructions or directions of Noteholders evidencing a specified
percentage of the Note Balance, the Clearing Agency shall be deemed to represent such percentage only to the extent that it has received
instructions to such effect from Note Owners and/or Clearing Agency Participants or Persons acting through Clearing Agency Participants
owning or representing, respectively, such required percentage of the beneficial interest in the Notes and has delivered such instructions
to the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.11 <I>Notices to Clearing Agency</I>.
Whenever a notice or other communication to the Noteholders is required under this Indenture, unless and until Definitive Notes shall
have been issued to Note Owners pursuant to <U>Section 2.12</U>, the Indenture Trustee shall give all such notices and communications
specified herein to be given to the Noteholders to the Clearing Agency, and shall have no obligation to the Note Owners.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.12 <I>Definitive Notes</I>.
If (a) the Administrator advises the Indenture Trustee in writing that the Clearing Agency is no longer willing or able to properly discharge
its responsibilities with respect to the Notes, and the Administrator is unable to locate a qualified successor, (b) the Administrator
at its option advises the Indenture Trustee in writing that it elects to terminate the book-entry system through the Clearing Agency or
(c) after the occurrence of an Event of Default, Note Owners representing beneficial interests aggregating at least a majority of the
Note Balance, voting together as a single Class, advise the Indenture Trustee through the Clearing Agency or its successor in writing
that the continuation of a book-entry system through the Clearing Agency or its successor is no longer in the best interests of the Note
Owners, then the Clearing Agency shall notify all Note Owners and the Indenture Trustee of the occurrence of any such event and of the
availability of Definitive Notes to Note Owners requesting the same. Upon surrender to the Indenture Trustee of the typewritten Note or
Notes representing the Book-Entry Notes by the Clearing Agency, accompanied by registration instructions, the Issuer shall execute and
the Indenture Trustee shall authenticate the Definitive Notes in accordance with the instructions of the Clearing Agency. None of the
Issuer, the Note Registrar or the Indenture Trustee shall be liable for any delay in delivery of such instructions and each may conclusively
rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Notes, the Indenture Trustee shall recognize
the Holders of the Definitive Notes as Noteholders.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Definitive Notes shall be typewritten,
printed, lithographed or engraved or produced by any combination of these methods (with or without steel engraved borders), all as determined
by the officers executing such Notes, as evidenced by their execution of such Notes.</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt"></P>

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<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 2.13 <I>Authenticating Agents</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon the request of the Issuer, the Indenture Trustee shall, and if the Indenture Trustee so chooses, the Indenture Trustee may
appoint one or more Persons (each, an &#8220;<U>Authenticating Agent</U>&#8221;) with power to act on its behalf and subject to its
direction in the authentication of Notes in connection with issuance, transfers and exchanges under <U>Sections 2.2</U><I>, </I><U>2.3</U><I>,</I> <U>2.4</U><I>,</I> <U>2.5</U>
and <U>9.5</U>, as fully to all intents and purposes as though each such Authenticating Agent had been expressly authorized by those
Sections to authenticate such Notes. For all purposes of this Indenture, the authentication of Notes by an Authenticating Agent
pursuant to this <U>Section 2.13</U> shall be deemed to be the authentication of Notes &#8220;by the Indenture Trustee.&#8221; The
Indenture Trustee shall be the Authenticating Agent in the absence of any appointment thereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any Person into which any Authenticating Agent may be merged or converted or with which it may be consolidated, or any entity resulting
from any merger, consolidation or conversion to which any Authenticating Agent shall be a party, or any entity succeeding to all or substantially
all of the corporate trust business of any Authenticating Agent, shall be the successor of such Authenticating Agent hereunder, without
the execution or filing of any further act on the part of the parties hereto or such Authenticating Agent or such successor Person.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any Authenticating Agent may at any time resign by giving written notice of resignation to the Indenture Trustee and the Issuer. The Indenture
Trustee may at any time terminate the agency of any Authenticating Agent by giving written notice of termination to such Authenticating
Agent and the Issuer. Upon receiving such notice of resignation or upon such termination, the Indenture Trustee may appoint a successor
Authenticating Agent and shall give written notice of any such appointment to the Issuer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The provisions of <U>Section 6.4</U> and, for so long as the Indenture Trustee is the Authenticating Agent, all other rights, benefits,
protections, immunities and indemnities afforded to the Indenture Trustee hereunder, shall be applicable to any Authenticating Agent,
<I>mutatis mutandis</I>.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 2.14 <I>Tax Treatment</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer acknowledges and agrees that it is its intent, and the Indenture Trustee acknowledges such intent, that the Notes
constitute and be treated as indebtedness for U.S. federal and all applicable state and local income and franchise tax purposes
(other than any Notes that are owned during any period of time either by the Issuer or by a Person that is considered to be the same
Person as the Issuer for U.S. federal income tax purposes). Further, each party hereto, and each Noteholder and Note Owner by
accepting and holding a Note or beneficial interest therein (other than a Noteholder or Note Owner that is the Issuer or a Person
that is considered to be the same Person as the Issuer for U.S. federal income tax purposes), hereby covenants to every other party
hereto and to every other Noteholder and Note Owner to treat the Notes as indebtedness for U.S. federal and all applicable state and
local income and franchise tax purposes in all tax filings, reports and returns and otherwise, and further covenants that neither it
nor any of its Affiliates will take, or participate in the taking of or permit to be taken, any action that is inconsistent with
such tax treatment and tax reporting of the Notes, unless required by applicable law. All successors and assignees of the parties
hereto shall be bound by the provisions hereof.</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The parties hereto agree that it is their mutual intent that, for all applicable purposes the Certificates will not constitute indebtedness.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the first Payment Date, at any time required by law and/or promptly upon request, each Noteholder and Note Owner shall provide
to the Indenture Trustee, Paying Agent and/or the Issuer (or other person responsible for withholding of taxes), as applicable, its Tax
Information. Notwithstanding the foregoing, no Noteholder or Note Owner of a Restricted Note shall provide a Form W-8ECI (or IRS Form
W-8IMY with any IRS Forms W-8ECI attached) or otherwise treat income from Restricted Note as effectively connected to a United States
trade or business of a person that is not United States person. Each Noteholder and each Note Owner is deemed to understand that by acceptance
of a Note, such Noteholder or Note Owner agrees to supply the foregoing information. Further, each Noteholder and Note Owner is deemed
to understand that the Issuer, Indenture Trustee and Paying Agent have the right to withhold as required on amounts payable with respect
to a Note (without any corresponding gross-up) on any Noteholder or Note Owner that fails to comply with the preceding sentences or is
otherwise subject to withholding under applicable law.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 2.15 <I>Certain Transfer Restrictions on the Notes</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
None of the Issuer, the Indenture Trustee nor any other Person may register the Notes under the Securities Act or any state securities
laws. No Note or any interest therein may be sold or transferred (including by pledge or hypothecation) to any other Person unless such
sale or transfer is to a Qualified Institutional Buyer in accordance with Rule 144A (except for transfers of Notes to the Depositor or
any of its Affiliates and by the Depositor or any of its Affiliates as part of the initial distribution or any redistribution of the Notes
by the Depositor or any of its Affiliates pursuant to a note purchase agreement or any similar agreement).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
By acquiring a Class A Note or Class B Note (or any interest therein), each purchaser and transferee (and, if the purchaser or transferee
is a Plan, its fiduciary) (i) shall be deemed to represent, covenant and agree that either (a) it is not acquiring and will not hold such
Note (or any interest therein) on behalf of, or with the assets of, any Benefit Plan Investor or a Plan that is subject to Similar Law
or (b) the acquisition, holding and disposition of such Note (or any interest therein) will not give rise to a non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of the Code or a violation of any Similar Law and (ii) acknowledges and agrees if it is a Benefit
Plan Investor or a Plan that is subject to Similar Law, it shall not acquire such Note (or any interest therein) at any time that such
Note is not rated investment grade by at least one nationally recognized statistical rating agency.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.6pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.6pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If for tax or other reasons it may be necessary to track any Notes (e.g., if the Notes have original issue discount), tracking conditions
such as requiring that such Notes be in definitive registered form may be required by the Depositor or the Administrator as a condition
to such transfer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any purported transfer of a Note not in accordance with this <U>Section 2.15</U> or not in accordance with <U>Sections 2.4, 2.16</U> or
<U>2.17</U> shall be null and void <I>ab initio </I>and shall not be given effect for any purpose hereunder. The Issuer may sell any Notes
acquired in violation of the foregoing at the cost and risk of the purported transferee. If the transferee fails to transfer such</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.8pt 0pt 5pt">Note or such beneficial interests in such
Note within thirty (30) days after notice of the voided transfer, then the Issuer shall cause such Noteholder&#8217;s interest or Note
Owner&#8217;s interest in such Note to be transferred in a commercially reasonable sale arranged by the Issuer (conducted by the Issuer
or an agent of the Issuer in accordance with Section 9-610(b) of the UCC as applied to securities that are sold on a recognized market
or that may decline speedily in value).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall have no obligation or duty to monitor, determine or inquire as to compliance with any restrictions on transfer
imposed under this Indenture (including, without limitation, under this <U>Section 2.15</U> or under <U>Sections 2.4, 2.16</U> or <U>2.17</U>)
or under applicable law with respect to any transfer of any interest in any Note other than to examine such certificates and other documentation
or evidence as are expressly required by, if and when expressly required by the terms of, this Indenture, to determine substantial compliance
as to form with the express requirements hereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to any sale or transfer of any Note (or any interest therein) each prospective transferee of such Note (or any interest therein)
(except for transfers of Notes to the Depositor or any of its U.S. corporate Affiliates (or disregarded entities thereof)) shall be deemed
to make the following representations to the Indenture Trustee, the Note Registrar and the Depositor:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i) The transferee either (a) (i) is
a Qualified Institutional Buyer, (ii) is aware that the sale of the Notes to it is being made in reliance on the exemption from registration
provided by Rule 144A and (iii) is acquiring the Notes for its own account or for one or more accounts, each of which is a Qualified Institutional
Buyer, and as to each of which the owner exercises sole investment discretion, and in a principal amount of not less than the minimum
denomination of such Note for the purchaser and for each such account or (b) solely in the case of an initial investor in such Note, is
an institutional &#8220;accredited investor&#8221; as defined in Rule 501(a)(1), (2), (3) or (7) of Regulation D under the Securities
Act.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; The Notes
may not at any time be held by or on behalf of any Person (other than the Depositor or an Affiliate of the Depositor) that is not a Qualified
Institutional Buyer (or, solely in the case of an initial investor in such Note, an institutional &#8220;accredited investor&#8221; as
defined in Rule 501(a)(1), (2), (3) or (7) of Regulation D under the Securities Act).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; The transferee
understands that the Notes are being offered only in a transaction not involving any public offering in the United States within the meaning
of the Securities Act, none of the Notes have been or will be registered under the Securities Act, and, if in the future the transferee
decides to offer, resell, pledge or otherwise transfer the Notes, such Notes may only be offered, resold, pledged or otherwise transferred
in accordance with this Indenture and the applicable legend on such Notes set forth below. The transferee acknowledges that no representation
is made by the Issuer as to the availability of any exemption under the Securities Act or any applicable State securities laws for resale
of the Notes.</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 99.55pt"></P>

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<P STYLE="margin: 0pt 7.65pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; The transferee
understands that an investment in the Notes involves certain risks, including the risk of loss of all or a substantial part of its investment
under certain circumstances. The transferee has had access to such financial and other information concerning the Issuer and the Notes
as it deemed necessary or appropriate in order to make an informed investment decision with respect to its purchase of the Notes, including
an opportunity to ask questions of and request information from the Servicer, the Depositor and the Issuer. The transferee has such knowledge
and experience in financial and business matters as to be capable of evaluating the merits and risks of its investment in the Notes, and
the transferee and any accounts for which it is acting are each able to bear the economic risk of the holder&#8217;s or of its investment.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; In connection
with the transfer of the Notes (A) none of the Issuer, the Servicer, the Depositor, any Initial Purchaser of the Notes, the Owner Trustee
nor the Indenture Trustee is acting as a fiduciary or financial or investment adviser for the transferee, (B) the transferee is not relying
(for purposes of making any investment decision or otherwise) upon any advice, counsel or representations (whether written or oral) of
any Initial Purchaser of the Notes, the Issuer, the Servicer, the Depositor, the Owner Trustee or the Indenture Trustee other than in
the most current offering memorandum for such Notes and any representations expressly set forth in a written agreement with such party,
(C) none of any Initial Purchaser of the Notes, the Issuer, the Servicer, the Depositor, the Owner Trustee or the Indenture Trustee has
given to the transferee (directly or indirectly through any other person) any assurance, guarantee, or representation whatsoever as to
the expected or projected success, profitability, return, performance, result, effect, consequence, or benefit (including legal, regulatory,
tax, financial, accounting, or otherwise) of its purchase or the documentation for the Notes, (D) the transferee has consulted with its
own legal, regulatory, tax, business, investment, financial, and accounting advisers to the extent it has deemed necessary, and it has
made its own investment decisions (including decisions regarding the suitability of any transaction pursuant to this Indenture) based
upon its own judgment and upon any advice from such advisers as it has deemed necessary and not upon any view expressed by any Initial
Purchaser of the Notes, the Issuer, the Servicer, the Depositor, the Owner Trustee or the Indenture Trustee, (E) the transferee has determined
that the rates, prices or amounts and other terms of the purchase and sale of the Notes reflect those in the relevant market for similar
transactions, (F) the transferee is purchasing the Notes with a full understanding of all of the terms, conditions and risks thereof (economic
and otherwise), and is capable of assuming and willing to assume (financially and otherwise) these risks and (G) the transferee is a sophisticated
investor familiar with transactions similar to its investment in the Notes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp; The transferee
understands that the Notes will bear the legend(s) substantially similar to those set forth in <U>Section 2.15(g)</U> unless the Issuer
determines otherwise in compliance with applicable law.</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp; The transferee
will not, at any time, offer to buy or offer to sell the Notes by any form of general solicitation or advertising, including, but not
limited to, any advertisement, article, notice or other communication published in any newspaper, magazine or similar medium or broadcast
over television or radio or at a seminar or meeting whose attendees have been invited by general solicitations or advertising.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(viii)&nbsp;&nbsp;&nbsp; The transferee
is not acquiring the Notes with a view to the resale, distribution or other disposition thereof in violation of the Securities Act.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ix)&nbsp;&nbsp;&nbsp; The transferee
will provide notice to each Person to whom it proposes to transfer any interest in the Notes of the transfer restrictions and representations
set forth in this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(x)&nbsp;&nbsp;&nbsp;&nbsp; The transferee
acknowledges that any transfer in violation of the foregoing will be of no force and effect, will be void <I>ab initio</I>, and will not
operate to transfer any rights to the transferee.</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each Note shall bear a legend to the following effect:</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 77pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 77pt; font-size: 10pt; text-align: justify; text-indent: 0in">&#8220;THIS NOTE OR ANY INTEREST
HEREIN HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED (THE &#8220;SECURITIES
ACT&#8221;) OR THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES, AND THE ISSUER HAS NOT BEEN REGISTERED UNDER THE UNITED STATES
INVESTMENT COMPANY ACT OF 1940, AS AMENDED (THE &#8220;INVESTMENT COMPANY ACT&#8221;). THIS NOTE OR ANY INTEREST HEREIN MAY NOT BE
OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED, EXCEPT (A) (1) TO A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A
UNDER THE SECURITIES ACT (A &#8220;QUALIFIED INSTITUTIONAL BUYER&#8221;) WHO IS EITHER PURCHASING FOR ITS OWN ACCOUNT OR FOR THE
ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER, OR (2) SOLELY IN THE CASE OF AN INITIAL INVESTOR IN THIS NOTE, TO AN INSTITUTIONAL
&#8220;ACCREDITED INVESTOR&#8221; WITHIN THE MEANING OF RULE 501(a)(1), (2), (3) OR (7) OF REGULATION D OF THE SECURITIES ACT, IN
EACH CASE, IN A PRINCIPAL AMOUNT OF NOT LESS THAN $100,000 AND IN GREATER WHOLE NUMBER DENOMINATIONS OF $1,000 IN EXCESS THEREOF
(EXCEPT FOR ONE SUCH NOTE WHICH MAY BE ISSUED IN INTEGRAL MULTIPLES IN EXCESS THEREOF OF OTHER THAN $1,000) FOR THE PURCHASER AND
FOR EACH SUCH ACCOUNT, IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A SO LONG AS THIS NOTE IS ELIGIBLE FOR RESALE PURSUANT
TO RULE 144A, SUBJECT TO THE SATISFACTION OF CERTAIN CONDITIONS SPECIFIED IN THE INDENTURE, OR (3) TO THE DEPOSITOR OR ANY OF ITS
U.S. CORPORATE AFFILIATES (OR DISREGARDED ENTITIES THEREOF) AND (B) IN ACCORDANCE WITH</P>

<P STYLE="margin: 0pt 7.9pt 0pt 77pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.8pt 0pt 77pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 77pt">ALL APPLICABLE SECURITIES LAWS OF ANY STATE
OF THE UNITED STATES AND ANY OTHER APPLICABLE JURISDICTION. EACH PURCHASER WILL BE DEEMED TO HAVE MADE CERTAIN REPRESENTATIONS AND AGREEMENTS
SET FORTH IN THE INDENTURE. ANY TRANSFER IN VIOLATION OF THE FOREGOING WILL BE OF NO FORCE AND EFFECT, WILL BE VOID <U>AB INITIO</U>,
AND WILL NOT OPERATE TO TRANSFER ANY RIGHTS TO THE TRANSFEREE, NOTWITHSTANDING ANY INSTRUCTIONS TO THE CONTRARY TO THE ISSUER, THE INDENTURE
TRUSTEE, OR ANY INTERMEDIARY. IF AT ANY TIME, THE ISSUER DETERMINES OR IS NOTIFIED THAT THE HOLDER OF SUCH NOTE OR BENEFICIAL INTEREST
IN SUCH NOTE WAS IN BREACH, AT THE TIME GIVEN, OF ANY OF THE REPRESENTATIONS SET FORTH IN THE INDENTURE, THE ISSUER AND THE INDENTURE
TRUSTEE MAY CONSIDER THE ACQUISITION OF THIS NOTE OR SUCH INTEREST IN SUCH NOTE VOID AND REQUIRE THAT THIS NOTE OR SUCH INTEREST HEREIN
BE TRANSFERRED TO A PERSON DESIGNATED BY THE ISSUER.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 77pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 77pt; font-size: 10pt; text-align: justify; text-indent: 0in">BY ACQUIRING THIS NOTE (OR ANY INTEREST
HEREIN), EACH PURCHASER AND TRANSFEREE (AND IF THE PURCHASER OR TRANSFEREE IS A PLAN (AS DEFINED BELOW), ITS FIDUCIARY) (A) SHALL BE DEEMED
TO REPRESENT, COVENANT AND AGREE, THAT EITHER (I) IT IS NOT ACQUIRING AND WILL NOT HOLD THIS NOTE (OR ANY INTEREST HEREIN) ON BEHALF OF,
OR WITH THE ASSETS OF, ANY PLAN (AS DEFINED BELOW) THAT IS SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974,
AS AMENDED (&#8220;ERISA&#8221;), OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE &#8220;CODE&#8221;), AN ENTITY
DEEMED TO HOLD THE PLAN ASSETS OF ANY OF THE FOREGOING (EACH OF THE FOREGOING, A &#8220;BENEFIT PLAN INVESTOR&#8221;) OR ANY PLAN THAT
IS SUBJECT TO A LAW THAT IS SUBSTANTIALLY SIMILAR TO TITLE I OF ERISA OR SECTION 4975 OF THE CODE (&#8220;SIMILAR LAW&#8221;) OR (II)
THE ACQUISITION, HOLDING AND DISPOSITION OF THIS NOTE (OR ANY INTEREST HEREIN) WILL NOT GIVE RISE TO A NON-EXEMPT PROHIBITED TRANSACTION
UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE OR A VIOLATION OF ANY SIMILAR LAW AND (B) ACKNOWLEDGES AND AGREES IF IT IS A BENEFIT
PLAN INVESTOR OR A PLAN THAT IS SUBJECT TO SIMILAR LAW THAT IT SHALL NOT ACQUIRE THIS NOTE (OR ANY INTEREST HEREIN) AT ANY TIME THAT THIS
NOTE IS NOT RATED INVESTMENT GRADE BY AT LEAST ONE NATIONALLY RECOGNIZED STATISTICAL RATING AGENCY. FOR PURPOSES OF THE FOREGOING, &#8220;PLAN&#8221;
MEANS AN &#8220;EMPLOYEE BENEFIT PLAN&#8221; AS DEFINED IN SECTION 3(3) OF ERISA WHETHER OR NOT SUBJECT TO TITLE I OF ERISA, A &#8220;PLAN&#8221;
AS DEFINED IN SECTION 4975 OF THE CODE, OR AN ENTITY OR ACCOUNT DEEMED TO HOLD THE PLAN ASSETS OF ANY OF THE FOREGOING.</P>

<P STYLE="margin: 0pt 7.75pt 0pt 77pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 77pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.75pt 0pt 77pt; font-size: 10pt; text-align: justify; text-indent: 0in">TRANSFERS OF THIS NOTE MUST GENERALLY BE
ACCOMPANIED BY APPROPRIATE TAX TRANSFER DOCUMENTATION AND ARE SUBJECT TO RESTRICTIONS AS PROVIDED IN THE INDENTURE.&#8221;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If a Note is issued with original issue discount, such Notes will bear legends in substantially the following form and substance (and
such legends will satisfy any applicable notice requirement), unless the Depositor determines otherwise in accordance with applicable
law:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.8pt 0pt 77pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 77pt; font-size: 10pt; text-align: justify; text-indent: 0in">&#8220;THIS NOTE HAS BEEN ISSUED WITH &#8220;ORIGINAL
ISSUE DISCOUNT&#8221; (WITHIN THE MEANING OF SECTION 1273 OF THE CODE). UPON WRITTEN REQUEST, AMERICA&#8217;S CAR MART, INC. WILL PROMPTLY
MAKE AVAILABLE TO ANY HOLDER OF THIS NOTE THE FOLLOWING INFORMATION: (1) THE ISSUE PRICE OF THIS NOTE, (2) THE ISSUE DATE OF THIS NOTE,
(3) THE AMOUNT OF ORIGINAL ISSUE DISCOUNT ON THIS NOTE AND (4) THE YIELD TO MATURITY OF THIS NOTE. ANY SUCH REQUEST SHOULD BE ADDRESSED
TO AMERICA&#8217;S CAR MART, INC., 1805 N. 2ND STREET, SUITE 401, ROGERS, ARKANSAS 72756, ATTENTION: PRESIDENT.&#8221;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 2.16 <I>Certain Transfer Restrictions on the Restricted Notes</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any Notes (or interests therein) beneficially owned by the Issuer or the single beneficial owner of the Issuer for United States federal
income tax purposes after the Closing Date may not be transferred for United States federal income tax purposes to another Person (other
than the single beneficial owner of the Issuer for United States federal income tax purposes) unless the Administrator shall cause an
Opinion of Counsel, of nationally recognized tax counsel, to be delivered to the Depositor and the Indenture Trustee to the effect that
either (x) such Notes will (in the case of Class A Notes or Class B Notes) be treated as debt for United States federal income tax purposes
or (y) the sale of such Notes will not cause the Issuer to be treated as an association or publicly traded partnership taxable as a corporation
for U.S. federal income tax purposes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to any sale or transfer of any Restricted Note (or any interest therein) each prospective transferee of such Restricted Note (or
any interest therein) (except for transfers of such Notes to the Depositor or any of its U.S. corporate Affiliates (or disregarded entities
thereof)) shall be deemed to provide the following acknowledgments, representations and agreements to the Indenture Trustee, the Note
Registrar and the Depositor unless the Depositor has received an opinion of nationally recognized tax counsel to the effect that the transfer
of the Restricted Note without any or all of the acknowledgments, representations and agreements described below will not cause the Issuer
to be treated as an association or publicly traded partnership taxable as a corporation for U.S. federal income tax purposes and the Depositor
has consented to such transfer in writing:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; The transferee
will provide notice to each Person to whom it proposes to transfer any interest in the Restricted Notes of the transfer restrictions and
representations set forth in this Indenture.</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; The transferee&#8217;s
beneficial interest in a Restricted Note is not and will not be in an amount that is less than the minimum denomination for such Note
set forth in this Indenture, and the transferee does not and will not hold any interest on behalf of any person whose beneficial interest
in such a Note is in an amount that is less than the minimum denomination for such Note set forth in this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; The transferee
acknowledges that no prospective transferee of a Restricted Note may provide an IRS Form W-8ECI or IRS Form W-8IMY with any IRS Form W-8ECI
attached.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; In the case
of a transferee that is a partnership, a corporation taxed under Subchapter S of the Code or grantor trust for U.S. federal income tax
purposes (or a disregarded entity the single owner of which is any of the foregoing), (x) such transferee is not and will not be used
with a principal purpose of the arrangement involving such entity&#8217;s beneficial interest in any Restricted Notes or Certificates
to permit any partnership to satisfy the 100 partner limitation of Treasury Regulation Section 1.7704-1(h)(1)(ii) necessary for such partnership
not to be classified as a publicly traded partnership under the Code and (y) no direct or indirect beneficial owner of any of the interests
in such transferee or its single owner shall have more than 50% of the value of its interest in such transferee or its single owner attributable
to the beneficial interest of such transferee in the Restricted Notes or Certificates.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; No Noteholder
of a Restricted Note shall acquire or transfer any Restricted Note (or any interest therein) or cause any Restricted Note (or any interest
therein) to be marketed on or through an &#8220;established securities market&#8221; within the meaning of Section 7704(b)(1) of the Code,
including, without limitation, an over-the-counter market or an interdealer quotation system that regularly disseminates firm buy or sell
quotations.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp; If any Restricted
Note held by the transferee is required to be treated other than as described under <U>Section 2.14(a)</U>, then the transferee, or, if
different, the beneficial owner of such Restricted Note, shall agree to the designation made pursuant to the Trust Agreement of the partnership
representative of any partnership in which such Noteholder or beneficial owner is deemed to be a partner under Section 6223(a) of the
Code (and any corresponding provision of state law) and any applicable Treasury Regulations thereunder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp; (A) Each Noteholder
of a Restricted Note shall provide to the Administrator on behalf of the Issuer and the Depositor any further information required by
the Issuer to comply with Sections 6221 through 6241 of the Code, including Section 6226(a) of the Code (and any corresponding provision
of state law), (B) if such Noteholder is not the beneficial owner of such Restricted Note, the beneficial owner of such Restricted Note
shall provide to the Administrator on behalf of the Issuer and the Depositor any further information</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.7pt 0pt 99.55pt"></P>

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<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0in">required by the Issuer to comply with
Sections 6221 through 6241 of the Code, including Section 6226(a) of the Code (and any corresponding provision of state law) and, to the
extent the Issuer determines such appointment necessary for it to make an election under Section 6226(a) of the Code (or any corresponding
provision of state law), hereby appoints the Noteholder as its agent for purposes of receiving any notifications or information pursuant
to the notice requirements under Section 6226(a)(2) of the Code (and any corresponding provision of state law) and (C) to the extent applicable,
each Noteholder of a Restricted Note and, if different, each beneficial owner of a Restricted Note, shall hold the Issuer and its affiliates
harmless for any expenses or losses (i) resulting from a beneficial owner of a Restricted Note not properly taking into account or paying
its allocated adjustment or liability under Section 6226 of the Code (or any corresponding provision of state law) or (ii) that the Issuer
or its affiliates may suffer that are attributable to the management or defense of an audit under Sections 6221 through 6241 of the Code
(or any corresponding provision of state law) or otherwise due to actions it takes with respect to and to comply with the rules under
Sections 6221 through 6241 of the Code (or any corresponding provision of state law).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(viii)&nbsp;&nbsp;&nbsp; Upon any
subsequent transfer of a Restricted Note (or any interest therein), the transferee covenants that if such Note is required to be treated
as a partnership interest in the Issuer for United States federal income tax purposes, in the event of any subsequent transfer of a Restricted
Note (or any interest therein), the transferee shall comply with Section 1446(f) of the Code (including with respect to deducting and
withholding from the purchase price paid in respect of such Restricted Note (or interest therein) unless the subsequent transferee obtained
a certificate providing for an exemption from such withholding).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ix)&nbsp;&nbsp;&nbsp; The transferee
acknowledges that any transfer in violation of the foregoing will be of no force and effect, will be void <I>ab initio</I>, and will not
operate to transfer any rights to the transferee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 2.17 <I>Transfer Restrictions on
Certain Notes Upon a Sale of a Certificate</I>. The restrictions on transfer of Notes retained by the Issuer or a Person that is considered
the same Person as the Issuer for United States federal income tax purposes provided in <U>Section 2.16(a)</U> shall not continue to apply
in the event the Indenture Trustee and the Depositor have received the Initial Certificate Transfer Opinion.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 169.9pt 0pt 166.95pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE III</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">COVENANTS</P>

<P STYLE="margin: 0pt 169.9pt 0pt 166.95pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">SECTION 3.1 <I>Payment of Principal and Interest</I>.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">The Issuer will duly and punctually pay the principal
of and interest on the Notes in accordance with the terms of the Notes and this Indenture. Without limiting the foregoing and</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">subject to <U>Section 8.2</U>, on each Payment
Date the Issuer shall cause to be paid all amounts on deposit in the Collection Account which represent Available Funds for such Payment
Date in accordance with the Sale and Servicing Agreement. Amounts properly withheld under the Code by any Person from a payment to any
Noteholder of interest and/or principal shall be considered to have been paid by the Issuer to such Noteholder for all purposes of this
Indenture. Interest accrued on the Notes shall be due and payable on each Payment Date. The final interest payment on each Class of Notes
is due on the earlier of (i) the Payment Date (including any Redemption Date) on which the principal amount of that Class of Notes is
reduced to zero or (ii) the applicable Final Scheduled Payment Date for that Class of Notes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.2 <I>Maintenance of Office or
Agency</I>. As long as any of the Notes remain Outstanding, the Issuer shall maintain an office or agency where Notes may be surrendered
for registration of transfer or exchange, and where notices and demands to or upon the Issuer in respect of the Notes and this Indenture
may be served, which office or agency shall initially be located at the Corporate Trust Office provided in clause (a) of the definition
of such term. The Issuer hereby initially appoints the Indenture Trustee to serve as its agent for the foregoing purposes. The Issuer
shall give prompt written notice to the Indenture Trustee of the location, and of any change in the location, of any such office or agency.
If at any time the Issuer shall fail to maintain any such office or agency or shall fail to furnish the Indenture Trustee with the address
thereof, such surrenders, notices and demands may be made or served at the Corporate Trust Office, and the Issuer hereby appoints the
Indenture Trustee as its agent to receive all such surrenders, notices and demands.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.3 <I>Money for Payments To Be
Held in Trust</I>. As provided in <U>Sections 5.4</U> and <U>8.2</U>, all payments of amounts due and payable with respect to any Notes
that are to be made from amounts withdrawn from the Trust Accounts shall be made on behalf of the Issuer by the Indenture Trustee or by
another Paying Agent, and no amounts so withdrawn therefrom for payments on the Notes shall be paid over to the Issuer except as provided
in this Section and Section 4.4 of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">By noon, New York City time, on the Business
Day prior to each Payment Date and Redemption Date, the Issuer shall deposit or cause to be deposited into the Collection Account Available
Funds with respect to the related Collection Period, and the Paying Agent shall hold such sum in trust for the benefit of the Persons
entitled thereto pursuant to the Transaction Documents and (unless the Paying Agent is the Indenture Trustee) shall promptly notify the
Indenture Trustee in writing of its action or failure so to act; <U>provided</U> that the amount deposited on the Business Day prior to
any Redemption Date may be reduced by amounts transferred from the Reserve Account to the Collection Account pursuant to Section 4.3(d)
of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Issuer shall cause each Paying Agent
other than the Indenture Trustee to execute and deliver to the Indenture Trustee an instrument in which such Paying Agent shall agree
with the Indenture Trustee (and if the Indenture Trustee acts as Paying Agent, it hereby so agrees to the extent relevant), subject to
the provisions of this Section, that such Paying Agent shall:</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; hold all sums held
by it for the payment of amounts due with respect to the Notes in trust for the benefit of the Persons entitled thereto until</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: left"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.6pt 0pt 99.55pt">such sums shall be paid to such Persons
or otherwise disposed of as herein provided and pay such sums to such Persons as provided in the Transaction Documents;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; give the Indenture
Trustee written notice of any default by the Issuer (or any other obligor upon the Notes) of which it has actual knowledge in the making
of any payment required to be made with respect to the Notes;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; at any time
during the continuance of any such default, upon the written request of the Indenture Trustee, forthwith pay to or at the direction of
the Indenture Trustee all sums so held in trust by such Paying Agent;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; immediately
resign as a Paying Agent and forthwith pay to or at the direction of the Indenture Trustee all sums held by it in trust for the payment
of Notes if at any time it ceases to meet the standards required to be met by a Paying Agent at the time of its appointment;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; comply
with all requirements of the Code with respect to the withholding from any payments made by it on any Notes of any applicable withholding
taxes imposed thereon, including FATCA Withholding (including obtaining and retaining from Persons entitled to payments with respect to
the Notes any Tax Information, making any withholdings as required under the Code and paying over such withheld amounts to the appropriate
governmental authority); and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp; comply with
any applicable reporting requirements in connection with any payments made by it on any Notes and any withholding of taxes therefrom,
and, upon written request, provide any Tax Information to the Issuer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Notwithstanding the foregoing, for so
long as Deutsche Bank National Trust Company is acting as the Indenture Trustee hereunder, it shall also act as the Paying Agent.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Issuer may at any time, for the purpose
of obtaining the satisfaction and discharge of this Indenture or for any other purpose, by Issuer Order direct any Paying Agent to pay
to or at the direction of the Indenture Trustee all sums held in trust by such Paying Agent, such sums to be held by the Indenture Trustee
upon the same trusts as those upon which such sums were held by such Paying Agent; and upon such a payment by any Paying Agent to or at
the direction of the Indenture Trustee, such Paying Agent shall be released from all further liability with respect to such money.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Subject to applicable laws with respect
to the escheat of funds, any money held by the Indenture Trustee or any Paying Agent in trust for the payment of any amount due with respect
to any Note and remaining unclaimed for two (2) years after such amount has become due and payable shall be discharged from such trust
and distributed by the Indenture Trustee to the Issuer upon receipt of an Issuer Request and the Holder of such Note shall thereafter,
as an unsecured general creditor, look only to the Issuer for payment thereof and all liability of the Indenture Trustee or such Paying
Agent with respect to such trust money shall thereupon cease; <U>provided</U>,</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt"><U>however</U>, that the Indenture Trustee
or such Paying Agent, before being required to make any such repayment, shall at the reasonable expense of the Issuer cause to be published
once, in an Authorized Newspaper, notice that such money remains unclaimed and that, after a date specified therein, which date shall
not be less than thirty (30) days from the date of such publication, any unclaimed balance of such money then remaining shall be paid
to the Issuer. The Indenture Trustee may also adopt and employ, at the written direction of and at the expense of the Issuer, any other
reasonable means of notification of such repayment (including, but not limited to, mailing notice of such repayment to Holders whose Notes
have been called but have not been surrendered for redemption or whose right to or interest in monies due and payable but not claimed
is determinable from the records of the Indenture Trustee or of any Paying Agent, at the last address of record for each such Noteholder).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.4 <I>Existence</I>. The Issuer
shall keep in full effect its existence, rights and franchises as a statutory trust under the laws of the State of Delaware (unless it
becomes, or any successor Issuer hereunder is or becomes, organized under the laws of any other State or of the United States of America,
in which case the Issuer shall keep in full effect its existence, rights and franchises under the laws of such other jurisdiction) and
shall obtain and preserve its qualification to do business in each jurisdiction in which such qualification is or shall be necessary to
protect the validity and enforceability of this Indenture, the Notes, the Collateral and each other instrument or agreement included in
the Trust Estate.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.5 <I>Protection of Collateral</I>.
The Issuer intends the security interest Granted pursuant to this Indenture in favor of the Indenture Trustee on behalf of the Noteholders
to be prior to all other Liens in respect of the Collateral, and the Issuer shall take all actions necessary to obtain and maintain, for
the benefit of the Indenture Trustee on behalf of the Noteholders, a first Lien on and a first priority, perfected security interest in
the Collateral (except to the extent that the interest of the Indenture Trustee therein cannot be perfected by the filing of a financing
statement). The Issuer shall from time to time execute and deliver all such supplements and amendments hereto and shall file or shall
authorize the filing of all such financing statements, continuation statements, instruments of further assurance and other instruments,
all as prepared by the Administrator and delivered to the Issuer, and shall take such other action necessary or advisable to:</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in"> (a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Grant more effectively all or any portion of the Collateral;</P>



<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
maintain or preserve the lien and security interest (and the priority thereof) created by this Indenture or carry out more effectively
the purposes hereof;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
perfect, publish notice of or protect the validity of any Grant made or to be made by this Indenture;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in"> (d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
enforce any of the Collateral; or</P>



<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
preserve and defend title to the Collateral and the rights of the Indenture Trustee and the Noteholders in the Collateral against the
claims of all Persons.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Issuer hereby designates the Indenture
Trustee as its agent and attorney-in-fact and hereby authorizes the Indenture Trustee to file all financing statements, continuation statements
or</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.7pt 0pt 5pt">other instruments required to be filed (if
any) pursuant to this Section; <U>provided</U>, <U>however</U>, that the Indenture Trustee shall not be obligated to authorize or file
such instruments. Notwithstanding any statement to the contrary contained herein or in any other Transaction Document, the Issuer shall
not be required to notify any insurer with respect to any Insurance Policy about any aspect of the transactions contemplated by the Transaction
Documents.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.6 <I>Opinions as to Collateral</I>.
On the Closing Date, the Issuer shall furnish to or cause to be furnished to the Indenture Trustee an Opinion of Counsel either stating
(i) that, in the opinion of such counsel, such action has been taken with respect to the recording and filing of this Indenture, any indentures
supplemental hereto, and any other requisite documents, and with respect to the filing of any financing statements and continuation statements,
as are necessary to perfect and make effective the first priority lien and security interest of this Indenture and reciting the details
of such action, or (ii) that, in the opinion of such counsel, no such action is necessary to make such lien and security interest effective.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 3.7 <I>Performance of Obligations; Servicing of Receivables</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer shall not take any action and shall use its reasonable efforts not to permit any action to be taken by others, including the
Administrator, that would release any Person from any of such Person&#8217;s material covenants or obligations under any instrument or
agreement included in the Collateral or that would result in the amendment, hypothecation, subordination, termination or discharge of,
or impair the validity or effectiveness of, any such instrument or agreement, except as ordered by any bankruptcy or other court or as
expressly provided in this Indenture, the other Transaction Documents or such other instrument or agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer may contract with other Persons to assist it in performing its duties under this Indenture, and any performance of such duties
by a Person identified to the Indenture Trustee in an Officer&#8217;s Certificate of the Issuer shall be deemed to be action taken by
the Issuer. Initially, the Issuer has contracted with the Administrator, and the Administrator has agreed, to assist the Issuer in performing
its duties under this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer shall, and shall cause the Administrator and the Servicer to, punctually perform and observe all of its respective obligations
and agreements contained in this Indenture, the other Transaction Documents and the instruments and agreements included in the Collateral,
including but not limited to preparing (or causing to be prepared) and filing (or causing to be filed) all UCC financing statements and
continuation statements required to be filed by the terms of this Indenture and the other Transaction Documents in accordance with and
within the time periods provided for herein and therein. Except as otherwise expressly provided therein, the Issuer shall not waive, amend,
modify, supplement or terminate any Transaction Document or any provision thereof other than in accordance with the amendment provisions
set forth in such Transaction Document.</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 3.8 <I>Negative Covenants</I>. So long as any Notes are Outstanding, the Issuer
shall not:</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
engage in any activities other than financing, acquiring,
owning, pledging and managing the Receivables and the other Collateral as contemplated by this Indenture and the other Transaction
Documents;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
except as expressly permitted by this Indenture or in the other Transaction Documents, sell, transfer, exchange or otherwise dispose of
any of the properties or assets of the Issuer;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
claim any credit on, or make any deduction from the principal or interest payable in respect of, the Notes (other than amounts properly
withheld from such payments under the Code or applicable state law) or assert any claim against any present or former Noteholder by reason
of the payment of the taxes levied or assessed upon any part of the Collateral;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
except as contemplated by the Transaction Documents, dissolve or liquidate in whole or in part;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(i) permit the validity or effectiveness of this Indenture to be impaired, or permit the lien of this Indenture to be amended, hypothecated,
subordinated, terminated or discharged, or permit any Person to be released from any covenants or obligations with respect to the Notes
under this Indenture except as may be expressly permitted hereby, (ii) permit any Lien (other than Permitted Liens) to be created on or
extend to or otherwise arise upon or burden the assets of the Issuer or any part thereof or any interest therein or the proceeds thereof
and (iii) permit the lien of this Indenture not to constitute a valid first priority (other than with respect to any Permitted Lien) security
interest in the Collateral (it being understood that (A) either each Receivable constituting part of the Collateral is secured by a first
priority validly perfected security interest in the Financed Vehicle in favor of Colonial, as secured party, or all necessary actions
with respect to the Receivable have been taken or will be taken to perfect a first priority security interest in the Financed Vehicle
in favor of the applicable Originator, as secured party (which may be in its capacity as nominee) and (B) the Issuer shall not be required
to notify any insurer with respect to any Insurance Policy obtained by an Obligor about any aspect of the transactions contemplated by
the Transaction Documents);</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
incur, assume or guarantee any indebtedness other than indebtedness incurred in accordance with the Transaction Documents; or</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
merge or consolidate with, or transfer substantially all of its assets
to, any other Person.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 3.9 <I>Annual Compliance Statement</I>.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer shall deliver to the Indenture Trustee and the Rating Agency, on or before April 30th of each calendar year, beginning on
April 30, 2026, an Officer&#8217;s Certificate stating, as to the Authorized Officer signing such Officer&#8217;s Certificate,
that:</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">(i)&nbsp;&nbsp;&nbsp; a review of
the activities of the Issuer during such year (or since the Closing Date, in the case of the first such Officer&#8217;s Certificate) and
of its performance under this Indenture has been made under such Authorized Officer&#8217;s supervision; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; to the best
of such Authorized Officer&#8217;s knowledge, based on such review, the Issuer has complied in all material respects with all conditions
and covenants under this Indenture throughout such year (or since the Closing Date, in the case of the first such Officer&#8217;s Certificate),
or, if there has been a default in the compliance of any such condition or covenant, specifying each such default known to such Authorized
Officer and the nature and status thereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Delivery of reports, information and documents to the Indenture Trustee is for informational purposes only and the Indenture Trustee&#8217;s
receipt of such information shall not constitute constructive or actual notice of any information contained therein or determinable from
information contained therein, including the Issuer&#8217;s compliance with any of its covenants hereunder (as to which the Indenture
Trustee is entitled to rely exclusively on Officer&#8217;s Certificates).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Unless the Issuer otherwise determines, the fiscal year of the Issuer shall be the same as the fiscal year of the Servicer (which shall
end on April 30<SUP>th</SUP> of each year).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.10 <I>Restrictions on Certain
Other Activities</I>. The Issuer shall not: (i) engage in any activities other than financing, acquiring, owning, pledging and managing
the Trust Estate and the other Collateral in the manner contemplated by the Transaction Documents; (ii) issue, incur, assume, guarantee
or otherwise become liable, directly or indirectly, for any indebtedness other than the Notes; (iii) make any loan, advance or credit
to, guarantee (directly or indirectly or by an instrument having the effect of assuring another&#8217;s payment or performance on any
obligation or capability of so doing or otherwise), endorse or otherwise become contingently liable, directly or indirectly, in connection
with the obligations, stocks or dividends of, own, purchase, repurchase or acquire (or agree contingently to do so) any stock, obligations,
assets or securities of, or any other interest in, or make any capital contribution to, any other Person; or (iv) make any expenditure
(by long-term or operating lease or otherwise) for capital assets (either realty or personalty).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.11 <I>Restricted Payments</I>.
The Issuer shall not, directly or indirectly, (a) pay any dividend or make any distribution (by reduction of capital or otherwise), whether
in cash, property, securities or a combination thereof, to the Owner Trustee or any owner of a beneficial interest in the Issuer or otherwise
with respect to any ownership or equity interest or security in or of the Issuer or to the Servicer or the Administrator, (b) redeem,
purchase, retire or otherwise acquire for value any such ownership or equity interest or security or (c) set aside or otherwise segregate
any amounts for any such purpose; <U>provided</U> that the Issuer may cause to be made distributions to the Servicer, the Backup Servicer,
the Administrator, the Owner Trustee, the Indenture Trustee, the Noteholders and the Certificateholders as permitted by, and to the extent
funds are available for such purpose under this Indenture, the Sale and Servicing Agreement, the Backup Servicing Agreement, the Trust
Agreement or the Administration Agreement. Other than</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.65pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">as set forth in the preceding sentence,
the Issuer shall not, directly or indirectly, make distributions from the Trust Accounts.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.12 <I>Notice of Events of Default;
Servicer Replacement Events</I>. The Issuer shall promptly deliver to the Indenture Trustee, the Owner Trustee and the Rating Agency written
notice in the form of an Officer&#8217;s Certificate of (i) an Event of Default or any event which with the giving of notice, the lapse
of time or both would become an Event of Default, its status and what action the Issuer is taking or proposes to take with respect thereto
and (ii) the occurrence of a Servicer Replacement Event or any event which with the giving of notice, the lapse of time or both would
become a Servicer Replacement Event.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.13 <I>Further Instruments and
Acts</I>. Upon request of the Indenture Trustee, the Issuer shall execute and deliver such further instruments and do such further acts
as may be reasonably necessary or proper to carry out more effectively the purpose of this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.14 <I>Compliance with Laws</I>.
The Issuer shall comply with the requirements of all applicable laws, the non-compliance with which would, individually or in the aggregate,
materially and adversely affect the ability of the Issuer to perform its obligations under the Notes, this Indenture or any other Transaction
Document.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.15 <I>Removal of Administrator</I>.
For so long as any Notes are Outstanding, the Issuer shall not remove the Administrator without cause unless the Rating Agency Condition
shall have been satisfied in connection therewith.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.16 <I>Perfection Representations,
Warranties and Covenants</I>. The perfection representations, warranties and covenants attached hereto as <U>Schedule I</U> shall be deemed
to be part of this Indenture for all purposes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.17 <I>Investment Company Act.</I>
The Issuer is not an &#8220;investment company&#8221; that is registered or required to be registered under, or otherwise subject to the
restrictions of, the Investment Company Act.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.18 <I>Tax Information</I>. To
the extent the Issuer receives any Tax Information other than from the Indenture Trustee or Paying Agent, the Issuer shall provide such
received Tax Information to the Indenture Trustee and the Paying Agent upon request.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 3.19 <I>Debt Instruments</I>. The
Issuer represents that the Notes are of the type of debt instruments where payments under such debt instruments may be accelerated by
reason of prepayments of other obligations securing such debt instruments.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: 61.9pt; margin: 0pt 142.25pt 0pt 141.55pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE IV</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">SATISFACTION
AND DISCHARGE</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 4.1 <I>Satisfaction and Discharge of Indenture</I>.
This Indenture shall cease to be of further effect with respect to the Notes except as to (a) rights of registration of transfer and
exchange, (b) substitution of mutilated, destroyed, lost or stolen Notes, (c) rights of Noteholders to receive payments of principal
thereof and interest thereon, (d) <U>Sections 3.3</U>, <U>3.4</U>, <U>3.5</U>, <U>3.8</U>, <U>3.10</U></P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">and <U>3.11</U>, (e) the rights and
immunities of the Indenture Trustee hereunder (including the rights of the Indenture Trustee under <U>Section 6.7</U>) and the
obligations of the Indenture Trustee under <U>Section 4.2</U> and (f) the rights of Noteholders as beneficiaries hereof with respect
to the property so deposited with the Indenture Trustee payable to all or any of them, and the Indenture Trustee, on demand of and
at the expense of the Issuer, shall execute proper instruments acknowledging satisfaction and discharge of this Indenture with
respect to the Notes, when:either (i) all Notes theretofore authenticated and delivered (other than (1) Notes that have been
destroyed, lost or stolen and that have been replaced or paid as provided in <U>Section 2.5</U> and (2) Notes for which payment
money has theretofore been deposited in trust or segregated and held in trust by the Issuer and thereafter repaid to the Issuer or
discharged from such trust, as provided in <U>Section 3.3</U>) have been presented and surrendered to the Indenture Trustee for
cancellation or (ii) all Notes not theretofore presented and surrendered to the Indenture Trustee for cancellation (1) have become
due and payable, (2) will become due and payable at the latest occurring Final Scheduled Payment Date within one year, or (3) are to
be called for redemption within one year under arrangements satisfactory to the Indenture Trustee for the giving of notice of
redemption by the Indenture Trustee in the name, and at the expense, of the Issuer, and the Issuer, in the case of <U>clauses
(1)</U>, <U>(2)</U> or <U>(3)</U>, has irrevocably deposited or caused to be irrevocably deposited with the Indenture Trustee cash
or direct obligations of or obligations guaranteed by the United States of America (which will mature prior to the date such amounts
are payable), in trust for such purpose, in an amount sufficient to pay and discharge the entire indebtedness on such Notes not
theretofore presented and surrendered to the Indenture Trustee for cancellation, when due, to the latest occurring Final Scheduled
Payment Date or Redemption Date (if Notes shall have been called for redemption pursuant to <U>Section 10.1</U>)<I>, </I>as the case
may be;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Issuer has paid or caused to be paid all other sums payable hereunder by the Issuer; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Issuer has delivered to the Indenture Trustee an Officer&#8217;s Certificate and an Opinion of Counsel, each meeting the applicable
requirements of <U>Section 11.1(a)</U> and, subject to <U>Section 11.2</U>, stating that all conditions precedent herein provided for
relating to the satisfaction and discharge of this Indenture have been complied with.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 4.2 <I>Application of Trust Money</I>.
All monies deposited with the Indenture Trustee pursuant to <U>Section 4.1</U> shall be held in trust and applied by it, in accordance
with the provisions of the Notes, this Indenture and Article IV of the Sale and Servicing Agreement. Such monies need not be segregated
from other funds except to the extent required herein, in the Sale and Servicing Agreement or by law.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 4.3 <I>Repayment of Monies Held
by Paying Agent</I>. In connection with the satisfaction and discharge of this Indenture with respect to the Notes, all monies then held
by any Paying Agent other than the Indenture Trustee under the provisions of this Indenture with respect to such Notes shall, upon demand
of the Issuer, be paid to the Indenture Trustee to be held and applied according to <U>Section 3.3</U> and thereupon such Paying Agent
shall be released from all further liability with respect to such monies.</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0pt">ARTICLE V</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0pt"><B>EVENTS OF DEFAULT; REMEDIES</B></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.1 <I>Events of Default</I>. The
occurrence and continuation of any one of the following events (whatever the reason for such Event of Default and whether it shall be
voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule
or regulation of any administrative or governmental body) shall constitute a default under this Indenture (each, an &#8220;<U>Event of
Default</U>&#8221;):</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a default in the payment of any interest on any Note of the Controlling Class when the same becomes due and payable, and such default
continues for a period of five Business Days or more;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a default in the payment of principal of any Note on the related Final Scheduled Payment Date or the Redemption Date;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
any failure by the Issuer to duly observe or perform in any respect any of its covenants or agreements made in this Indenture (other than
a covenant or agreement, a default in the observance or performance of which is elsewhere in this Section specifically dealt with), which
failure materially and adversely affects the rights of the Noteholders, and such failure shall continue unremedied for a period of 60
days (or for such longer period not in excess of 90 days as may be reasonably necessary to remedy such failure; <I>provided </I>that such
failure is capable of remedy within 90 days) after there shall have been given, by registered or certified mail, to the Issuer by the
Indenture Trustee or by Noteholders evidencing at least 25% of the Note Balance of the Outstanding Notes, voting together as a single
Class, a written notice specifying such failure and requiring it to be remedied and stating that such notice is a &#8220;<U>Notice of
Default</U>&#8221; hereunder;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
any representation or warranty of the Issuer made in this Indenture proves to have been incorrect in any respect when made, which failure
materially and adversely affects the rights of the Noteholders, and which failure continues unremedied for a period of 60 days (or for
such longer period not in excess of 90 days as may be reasonably necessary to remedy such failure; <I>provided </I>that such failure is
capable of remedy within 90 days) after there shall have been given, by registered or certified mail, to the Issuer by the Indenture Trustee
or by Noteholders evidencing at least 25% of the Note Balance of the Outstanding Notes, voting together as a single Class, a written notice
specifying such failure and requiring it to be remedied and stating that such notice is a &#8220;<U>Notice of Default</U>&#8221; hereunder;
or</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a Bankruptcy Event with respect to the Issuer;</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in"><U>provided</U>, <U>however</U>, that
(A) if any delay or failure of performance referred to in <U>clause (a)</U> above shall have been caused by force majeure or other
similar occurrence, the five Business Day grace period referred to in such <U>clause (a)</U> shall be extended for an additional 60
calendar days, (B) if any delay or failure of performance referred to in <U>clause (b)</U> above shall have been caused by force
majeure or other similar occurrence, such failure or delay shall not constitute an Event of Default for an additional 60 calendar
days, (C) if any delay or failure of performance referred to in <U>clause (c)</U> above shall have been caused by force majeure or
other similar occurrence, the 60 day grace</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">period referred to in such <U>clause (c)</U>
shall be extended for an additional 60 calendar days and (D) if any delay or failure of performance referred to in <U>clause (d)</U> above
shall have been caused by force majeure or other similar occurrence, the 60 day grace period referred to in such <U>clause (d)</U> shall
be extended for an additional 60 calendar days.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 5.2 <I>Acceleration of Maturity</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Except as set forth in the following sentence, if an Event of Default should occur and be continuing, then and in every such case the
Indenture Trustee may, or if directed by the Noteholders representing not less than a majority of the Note Balance of the Controlling
Class, shall declare all the Notes to be immediately due and payable, by a notice in writing to the Issuer (and to the Indenture Trustee
if given by Noteholders), and upon any such declaration the unpaid Note Balance of the Notes, together with accrued and unpaid interest
thereon through the date of acceleration, shall become immediately due and payable. If an Event of Default specified in <U>Section 5.1(e)</U>
occurs, all unpaid principal, together with all accrued and unpaid interest thereon, of all Notes, and all other amounts payable hereunder,
shall automatically become due and payable without any declaration or other act on the part of the Indenture Trustee or any Noteholder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
At any time after such declaration of acceleration of maturity has been made and before a judgment or decree for payment of the money
due has been obtained by the Indenture Trustee as hereinafter provided for in this <U>Article V</U>, the Noteholders representing a majority
of the Note Balance of the Controlling Class, by written notice to the Issuer and the Indenture Trustee, may rescind and annul such declaration
and its consequences if:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; the Issuer has
paid or deposited with the Indenture Trustee a sum sufficient to pay (A) all payments of principal of and interest on all Notes and all
other amounts that would then be due hereunder or upon such Notes if the Event of Default giving rise to such acceleration had not occurred
and (B) all sums paid or advanced by the Indenture Trustee hereunder and the reasonable compensation, expenses, disbursements and advances
of the Indenture Trustee and its agents and counsel; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; all Events of
Default, other than the nonpayment of the principal of the Notes that has become due solely by such acceleration, have been cured or waived
as provided in <U>Section 5.12</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">No such rescission shall affect any subsequent
default or impair any right consequent thereto.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">If the Notes have been declared due and
payable or have automatically become due and payable following an Event of Default, the Indenture Trustee may institute Proceedings to
collect amounts due or foreclose on the Collateral or exercise remedies as a secured party. Any sale of the Collateral by the Indenture
Trustee will be subject to the terms and conditions of <U>Section 5.4</U>.</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt"></P>

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<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">SECTION 5.3 <I>Collection of Indebtedness and Suits for Enforcement
by the Indenture Trustee</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer covenants that if (i) default is made in the payment of any interest on any Note of the Controlling Class when the same becomes
due and payable, and such default continues for a period of five (5) Business Days or more, or (ii) default is made in the payment of
the principal of or any installment of the principal of any Note when the same becomes due and payable, the Issuer will, upon demand of
the Indenture Trustee in writing as directed by the Noteholders representing not less than a majority of the Note Balance of the Controlling
Class, pay to the Indenture Trustee, for the benefit of the Holders of the Notes, the whole amount then due and payable on such Notes
for principal and interest, with interest upon the overdue principal, and, to the extent payment at such rate of interest shall be legally
enforceable, upon overdue installments of interest, at the applicable Interest Rate and in addition thereto such further amount as shall
be sufficient to cover the costs and expenses of collection, including the reasonable compensation, expenses, disbursements and advances
of the Indenture Trustee and its agents and counsel.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In case the Issuer shall fail forthwith to pay the amounts described in <U>clause (a)</U> above upon such demand, the Indenture Trustee,
in its own name and as trustee of an express trust, may institute a Proceeding for the collection of the sums so due and unpaid, and may
prosecute such Proceeding to judgment or final decree, and may enforce the same against the Issuer or other obligor upon such Notes and
collect in the manner provided by law out of the property of the Issuer or other obligor upon such Notes, wherever situated, the monies
adjudged or decreed to be payable.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If an Event of Default shall have occurred and is continuing, the Indenture Trustee may, as more particularly provided in <U>Section 5.4</U>
proceed to protect and enforce its rights and the rights of the Noteholders, by such appropriate Proceedings as the Indenture Trustee
shall deem most effective to protect and enforce any such rights, whether for the specific enforcement of any covenant or agreement in
this Indenture or in aid of the exercise of any power granted herein, or to enforce any other proper remedy or legal or equitable right
vested in the Indenture Trustee by this Indenture or by law.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In case there shall be pending, relative to the Issuer or any other obligor upon the Notes or any Person having or claiming an ownership
interest in the Collateral, Proceedings under the Bankruptcy Code or any other applicable federal or state bankruptcy, insolvency or other
similar law, or in case a receiver, assignee or trustee in bankruptcy or reorganization, liquidator, sequestrator or similar official
shall have been appointed for or taken possession of the Issuer or its property or such other obligor or Person, or in case of any other
comparable Proceedings relative to the Issuer or other obligor upon the Notes, or to the creditors or property of the Issuer or such other
obligor, the Indenture Trustee, irrespective of whether the principal of any Notes shall then be due and payable as therein expressed
or by declaration or otherwise and irrespective of whether the Indenture Trustee shall have made any demand pursuant to the provisions
of this <U>Section 5.3</U>, shall be entitled and empowered, by intervention in such Proceedings or otherwise:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; to file and prove
a claim or claims for the whole amount of principal and interest owing and unpaid in respect of the Notes and to file such other papers
or documents as may be necessary or advisable in order to have the</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.7pt 0pt 99.55pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0in">claims of the Indenture Trustee (including
any claim for reasonable compensation to the Indenture Trustee and each predecessor Indenture Trustee, and their respective agents, attorneys
and counsel, and for reimbursement of all expenses and liabilities incurred, and all advances made, by the Indenture Trustee and each
predecessor Indenture Trustee, except as a result of negligence, bad faith or willful misconduct) and of the Noteholders allowed in such
Proceedings;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; unless prohibited
by applicable law and regulations, to vote on behalf of the Noteholders in any election of a trustee, a standby trustee or Person performing
similar functions in any such Proceedings;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; to collect
and receive any monies or other property payable or deliverable on any such claims and to distribute all amounts received with respect
to the claims of the Noteholders and of the Indenture Trustee on their behalf; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; to file such
proofs of claim and other papers or documents as may be necessary or advisable in order to have the claims of the Indenture Trustee or
the Noteholders allowed in any judicial Proceedings relative to the Issuer, its creditors and its property;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">and any trustee, receiver, liquidator, custodian
or other similar official in any such Proceeding is hereby authorized by each Noteholder to make payments to the Indenture Trustee, and,
in the event that the Indenture Trustee shall consent to the making of payments directly to such Noteholders, to pay to the Indenture
Trustee such amounts as shall be sufficient to cover reasonable compensation to the Indenture Trustee, each predecessor Indenture Trustee
and their respective agents, attorneys and counsel, and all other expenses, indemnities and liabilities incurred, and all advances made,
by the Indenture Trustee and each predecessor Indenture Trustee except as a result of negligence, bad faith or willful misconduct, and
any other amounts due the Indenture Trustee under <U>Section 6.7</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Nothing herein contained shall be deemed to authorize the Indenture Trustee to authorize or consent to or vote for or accept or adopt
on behalf of any Noteholder any plan of reorganization, arrangement, adjustment or composition affecting the Notes or the rights of any
Holder thereof or to authorize the Indenture Trustee to vote in respect of the claim of any Noteholder in any such Proceeding except,
as aforesaid, to vote for the election of a trustee in bankruptcy or similar Person.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
All rights of action and of asserting claims under this Indenture, or under any of the Notes, may be enforced by the Indenture Trustee
without the possession of any of the Notes or the production thereof in any trial or other Proceedings relative thereto, and any such
action or Proceedings instituted by the Indenture Trustee shall be brought in its own name as trustee of an express trust, and any recovery
of judgment, subject to the payment of the expenses, disbursements and compensation of the Indenture Trustee, each predecessor Indenture
Trustee and their respective agents and attorneys, shall be for the ratable benefit of the Noteholders, to the extent set forth in <U>Section
5.4(b)</U>.</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In any Proceedings brought by the Indenture Trustee (and also any Proceedings involving the interpretation of any provision of this Indenture
to which the Indenture Trustee shall be a party), the Indenture Trustee shall be held to represent all the Noteholders, and it shall not
be necessary to make any Noteholder a party to any such Proceedings.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 5.4 <I>Remedies; Priorities</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If an Event of Default shall have occurred and is continuing, the Indenture Trustee may do one or more of the following (subject to <U>Sections
5.2</U> and <U>5.5</U>):</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; institute Proceedings
in its own name and as trustee of an express trust for the collection of all amounts then payable on the Notes or under this Indenture
with respect thereto, whether by declaration or otherwise, enforce any judgment obtained, and collect from the Issuer and any other obligor
upon such Notes monies adjudged due;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8.1pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.1pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; institute Proceedings
from time to time for the complete or partial foreclosure of this Indenture with respect to the Collateral;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; exercise any
other remedies of a secured party under the UCC and take any other appropriate action to protect and enforce the rights and remedies of
the Indenture Trustee and the Noteholders; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; subject to
<U>Section 5<I>.</I>17</U>, after an acceleration of the maturity of the Notes pursuant to <U>Section 5<I>.</I>2</U>, sell the Collateral
or any portion thereof or rights or interest therein, at one or more public or private sales called and conducted in any manner permitted
by law;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in"><U>provided</U>, <U>however</U>, that the
Indenture Trustee may not exercise the remedy described in clause (iv) above unless (A) the Holders of all Outstanding Notes have
consented to such sale or liquidation, (B) the proceeds of such sale or liquidation are sufficient to pay in full the principal of
and the accrued interest on the Outstanding Notes or (C) the Event of Default either (x) relates to a default described in <U>Sections
5.1(a)</U> or <U>(b)</U> (a &#8220;<U>Payment Default</U>&#8221;) and the Indenture Trustee determines (but shall have no obligation
to make such determination) that the Collections on the Receivables will not be sufficient on an ongoing basis to make all payments
on the Notes as they would have become due if the Notes had not been declared due and payable or (y) relates to a Bankruptcy Event
and, in the case of each of <U>(x)</U> and <U>(y)</U> above, the Indenture Trustee obtains the consent of the holders of at least
66-2/3% of the Note Balance of the Controlling Class. In determining such sufficiency or insufficiency with respect to <U>clauses
(B)</U> and <U>(C)(x)</U> of the preceding sentence, the Indenture Trustee may, but need not, obtain and rely upon an opinion of an
Independent investment banking or accounting firm of national reputation as to the feasibility of such proposed action and as to the
sufficiency of the Collateral for such purpose. Notwithstanding anything herein to the contrary, if the Event of Default does not
relate to a Payment Default or Bankruptcy Event with respect to the Issuer, the Indenture Trustee may not sell or otherwise
liquidate the Collateral unless the Holders of all Outstanding Notes consent to such sale or liquidation or the proceeds of such
sale or liquidation are sufficient to pay in full the principal of and accrued interest on the Outstanding Notes.</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding the provisions of <U>Section 8.2</U> hereof or Section 4.4 of the Sale and Servicing Agreement, if the Indenture Trustee
collects any money or property pursuant to this <U>Article V</U> and the Notes have been accelerated, it shall pay out such money or property
(and other amounts, including all amounts held on deposit in the Reserve Account) held as Collateral for the benefit of the Noteholders
(net of liquidation costs associated with the sale of the Collateral) in the following order of priority:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; <I>first</I>,
<I>pro rata </I>based on amounts due, to the Indenture Trustee, the Owner Trustee, the Calculation Agent, the Certificate Registrar, the
Paying Agent and the Backup Servicer, any accrued and unpaid fees, reasonable expenses and indemnification amounts under the Transaction
Documents without regard to any annual caps (including any such fees, expenses and indemnification amounts with respect to prior periods),
in each case to the extent not previously paid and notwithstanding any caps on expenses and indemnification;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; <I>second</I>,
<I>pro rata</I>, to the Servicer, the Servicing Fee and all unpaid Servicing Fees with respect to prior periods and to any Successor Servicer,
any accrued and unpaid fees, reasonable expenses and indemnification amounts (including any such fees, expenses and indemnification amounts
with respect to prior Collection Periods);</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; <I>third</I>,
to the Holders of the Class A Notes, the Accrued Class A Note Interest;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; <I>fourth</I>,
<I>(a) </I>if an acceleration of the Notes has occurred following or as a result of an Event of Default described in <U>Section 5.1(a)</U>,
<U>(b)</U> or <U>(e)</U>, in the following order of priority:</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 77pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
to the Holders of the Class A Notes in respect of principal thereof, until the Class A Notes have been paid in full;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 77pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
to the Holders of the Class B Notes, the Accrued Class B Note Interest;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 8pt 0pt 77pt"></P>


<P STYLE="margin: 0pt 8pt 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
to the Holders of the Class B Notes in respect of principal thereof until the Class B Notes have been paid in full; and</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 18.75pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.75pt 0pt 41pt; font-size: 10pt; text-align: left; text-indent: 0.5in"><I>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</I>if an acceleration of the Notes has occurred following or as a result of an Event of Default described in <U>Section 5.1(c)</U> or
<U>(d)</U>, in the following order of priority:</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 77pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
to the Holders of the Class B Notes, the Accrued Class B Note Interest;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 77pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
to the Holders of the Class A Notes in respect of principal thereof until the Class A Notes have been paid in full;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 8pt 0pt 77pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
to the Holders of the Class B Notes in respect of principal thereof until the Class B Notes have been paid in full; and</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; <I>fifth</I>,
to the Certificateholders, <I>pro rata</I>, based on the Percentage Interest of each Certificateholder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Indenture Trustee may fix a record
date and payment date for any payment to Noteholders pursuant to this <U>Section 5.4</U>. At least fifteen (15) days before such record
date, the Issuer shall deliver to each Noteholder and the Indenture Trustee a notice that states the record date, the payment date and
the amount to be paid.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">For purposes of applying payments received
in accordance with this <U>Article V</U>, the Indenture Trustee shall be entitled to rely on the information received by, and upon request
of, the Indenture Trustee for such purpose. In the event that the Indenture Trustee, in its sole discretion, determines that it is unable
to determine the amount or order of payments that should be made hereunder, the parties hereto agree that the Indenture Trustee shall
have the right, at its option, to deposit with, or commence an interpleader proceeding in respect of, such funds in a court of competent
jurisdiction for determination by such court as to the correct application of such funds hereunder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Prior to an acceleration of the Notes
after an Event of Default, if the Indenture Trustee collects any money or property pursuant to this <U>Article V</U>, such amounts shall
be deposited into the Collection Account and distributed in accordance with Section 4.4 of the Sale and Servicing Agreement and <U>Section
8.2</U> hereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.5 <I>Optional Preservation of
the Collateral</I>. If the Notes have been declared or are automatically due and payable under <U>Section 5.2</U> following an Event of
Default and such declaration or automatic occurrence and its consequences have not been rescinded and annulled, if permitted hereunder,
the Indenture Trustee may, but need not, elect to maintain possession of the Collateral and shall continue to apply the proceeds thereof
in accordance with <U>Section 5.4(b)</U>. It is the intent of the parties hereto and the Noteholders that there be at all times sufficient
funds for the payment of principal of and interest on the Notes, and the Indenture Trustee shall take such intent into account when determining
whether or not to maintain possession of the Collateral. In determining whether to maintain possession of the Collateral, the Indenture
Trustee may, but need not, obtain and rely upon an opinion of an Independent investment banking or accounting firm of national reputation
as to the feasibility of such proposed action and as to the sufficiency of the Collateral for such purpose.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 5.6 <I>Limitation of Suits</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
No Holder of any Note shall have any right to institute any Proceeding, judicial or otherwise, with respect to this Indenture, or for
the appointment of a receiver or trustee, or for any other remedy hereunder, unless:</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 99.55pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; such Holder has
previously given written notice to the Indenture Trustee of a continuing Event of Default;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 99.55pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt"></P>

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<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; the Holders
of not less than 25% of the Note Balance of the Controlling Class have made written request to the Indenture Trustee to institute such
Proceeding in respect of such Event of Default in its own name as the Indenture Trustee hereunder;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; such Holder
or Holders have offered to the Indenture Trustee indemnity reasonably satisfactory to it against the costs, expenses and liabilities to
be incurred in complying with such request;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; the Indenture
Trustee for 60 days after its receipt of such notice, request and offer of indemnity has failed to institute such Proceedings; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; no direction
inconsistent with such written request has been given to the Indenture Trustee during such 60-day period by the Holders of a majority
of the Note Balance of the Controlling Class.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">No Noteholder or group of Noteholders shall
have any right in any manner whatever by virtue of, or by availing of, any provision of this Indenture to affect, disturb or prejudice
the rights of any other Noteholders or to obtain or to seek to obtain priority or preference over any other Noteholders or to enforce
any right under this Indenture, except, in each case, to the extent and in the manner herein provided.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">In the event the Indenture Trustee shall
receive conflicting or inconsistent requests and indemnity from two or more groups of Noteholders, each representing less than a majority
of the Note Balance of the Controlling Class, the Indenture Trustee shall follow, and shall be entitled to conclusively rely on, the direction
of the Noteholders representing the greater percentage of the Note Balance.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
No Noteholder shall have any right to vote except as provided pursuant to this Indenture and the Notes, nor any right in any manner to
otherwise control the operation and management of the Issuer. However, in connection with any action as to which Noteholders are entitled
to vote or consent under this Indenture and the Notes, the Issuer may set a record date for purposes of determining the identity of Noteholders
entitled to vote or consent.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.7 <I>Rights of Noteholders To
Receive Principal and Interest</I>. Notwithstanding any other provisions in this Indenture, the Holder of any Note shall have the right
to receive payment of the principal of and interest on such Note on or after the respective due dates thereof expressed in such Note or
in this Indenture (or, in the case of redemption, on or after the Redemption Date) and to institute suit for the enforcement of any such
payment and such right shall not be impaired without the consent of such Noteholder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.8 <I>Restoration of Rights and
Remedies</I>. If the Indenture Trustee or any Noteholder has instituted any Proceeding to enforce any right or remedy under this Indenture
and such Proceeding has been discontinued or abandoned for any reason or has been determined adversely to the Indenture Trustee or to
such Noteholder, then and in every such case the Issuer, the Indenture Trustee and the Noteholders shall, subject to any determination
in such Proceeding, be restored severally and respectively to their former positions hereunder, and thereafter all rights</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt"></P>

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<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">and remedies of the Indenture Trustee and the Noteholders
shall continue as though no such Proceeding had been instituted.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.9 <I>Rights and Remedies Cumulative</I>.
No right or remedy herein conferred upon or reserved to the Indenture Trustee or to the Noteholders is intended to be exclusive of any
other right or remedy, and every right and remedy shall, to the extent permitted by law, be cumulative and in addition to every other
right and remedy given hereunder or now or hereafter existing at law or in equity or otherwise. The assertion or employment of any right
or remedy hereunder or otherwise shall not prevent the concurrent assertion or employment of any other appropriate right or remedy.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.10 <I>Delay or Omission Not
a Waiver</I>. No delay or omission of the Indenture Trustee or any Holder of any Note to exercise any right or remedy accruing upon any
Default or Event of Default shall impair any such right or remedy or constitute a waiver of any such Default or Event of Default or an
acquiescence therein. Every right and remedy given by this <U>Article V</U> or by law to the Indenture Trustee or to the Noteholders may
be exercised from time to time, and as often as may be deemed expedient, by the Indenture Trustee or by the Noteholders, as the case may
be.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.11 <I>Control by Noteholders</I>.
Subject to the provisions of <U>Sections 5.4</U>, <U>5.6</U>, <U>6.2(d)</U>, <U>6.2(e)</U> and <U>6.2(f)</U>, Noteholders holding not
less than a majority of the Note Balance of the Controlling Class, shall have the right to direct the time, method and place of conducting
any proceeding for any remedy available to the Indenture Trustee with respect to the Notes or with respect to the exercise of any trust
or power conferred on the Indenture Trustee; <I>provided </I>that:</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
such direction shall not be in conflict with any rule of law or with this Indenture;</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
any such direction to the Indenture Trustee to sell or liquidate the Collateral shall be effective only to the extent the Indenture Trustee
is permitted to take such action pursuant to <U>Sections 5.4(a)</U> and <U>5.17</U>;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
if the conditions set forth in <U>Section 5.5</U> have been satisfied and the Indenture Trustee elects to retain the Collateral pursuant
to such Section, then any direction to the Indenture Trustee by Holders of Notes representing less than 100% of the Note Balance to sell
or liquidate the Collateral shall be of no force and effect;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Indenture Trustee may take any other action deemed proper by the Indenture Trustee that is not inconsistent with such direction, applicable
law and the terms of this Indenture; and</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
such direction shall be in writing;</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in"><U>provided</U>, <U>further</U>, that, subject
to <U>Section 6.1</U>, the Indenture Trustee need not take any action that it determines might expose it to personal liability or might
materially adversely affect or unduly prejudice the rights of any Noteholders not consenting to such action.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">SECTION 5.12 <I>Waiver of Past Defaults</I>. Prior
to the declaration of the acceleration of the maturity of the Notes as provided in <U>Section 5.2</U>, the Holders of Notes of not less
than a majority</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.95pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">of the Note Balance of the Controlling
Class may waive any past Default or Event of Default and its consequences except a Default (a) in payment of principal of or
interest on any of the Notes, (b) in respect of a covenant or provision hereof which cannot be modified or amended without the
consent of each Noteholder or (c) arising from a Bankruptcy Event with respect to the Issuer. In the case of any such waiver, the
Issuer, the Indenture Trustee and the Noteholders shall be restored to their former positions and rights hereunder, respectively;
but no such waiver shall extend to any subsequent or other Default or impair any right consequent thereto.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Upon any such waiver, such Default or
Event of Default shall cease to exist and be deemed to have been cured and not to have occurred, and any Event of Default arising therefrom
shall be deemed to have been cured and not to have occurred, for every purpose of this Indenture; but no such waiver shall extend to any
prior, subsequent or other Default or Event of Default or impair any right consequent thereto.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.13 <I>Undertaking for Costs</I>.
All parties to this Indenture agree, and each Noteholder by such Noteholder&#8217;s acceptance of a Note shall be deemed to have agreed,
that any court may in its discretion require, in any suit for the enforcement of any right or remedy under this Indenture, or in any suit
against the Indenture Trustee for any action taken, suffered or omitted by it as the Indenture Trustee, the filing by any party litigant
in such suit of an undertaking to pay the costs of such suit, and that such court may in its discretion assess reasonable costs, including
reasonable attorneys&#8217; fees, against any party litigant in such suit, having due regard to the merits and good faith of the claims
or defenses made by such party litigant; but the provisions of this <U>Section 5.13</U> shall not apply to (a) any suit instituted by
the Indenture Trustee, (b) any suit instituted by any Noteholder, or group of Noteholders, in each case holding in the aggregate more
than 10% of the Note Balance of the Outstanding Notes or (c) any suit instituted by any Noteholder for the enforcement of the payment
of principal of or interest on any Note on or after the respective due dates expressed in such Note and in this Indenture (or, in the
case of redemption, on or after the Redemption Date).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.14 <I>Waiver of Stay or Extension
Laws</I>. The Issuer covenants (to the extent that it may lawfully do so) that it shall not at any time insist upon, or plead or in any
manner whatsoever, claim or take the benefit or advantage of, any stay or extension law wherever enacted, now or at any time hereafter
in force, that may affect the covenants or the performance of this Indenture; and the Issuer (to the extent that it may lawfully do so)
hereby expressly waives all benefit or advantage of any such law, and covenants that it shall not hinder, delay or impede the execution
of any power herein granted to the Indenture Trustee, but shall suffer and permit the execution of every such power as though no such
law had been enacted.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.15 <I>Action on Notes</I>. The
Indenture Trustee&#8217;s right to seek and recover judgment on the Notes or under this Indenture shall not be affected by the seeking,
obtaining or application of any other relief under or with respect to this Indenture. Neither the lien of this Indenture nor any rights
or remedies of the Indenture Trustee or the Noteholders shall be impaired by the recovery of any judgment by the Indenture Trustee against
the Issuer or by the levy of any execution under such judgment upon any portion of the Collateral or upon any of the assets of the Issuer.
Any money or property collected by the Indenture Trustee shall be applied in accordance with <U>Section 5.4(b)</U>, if the maturity of
the Notes has been accelerated pursuant to <U>Section 5.2</U> of</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt"></P>

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<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">this Indenture, or Section 4.4 of the Sale and Servicing
Agreement and <U>Section 8.2</U> of this Indenture, if the maturity of the Notes has not been accelerated.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 5.16 <I>Performance and Enforcement of Certain Obligations</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Promptly following a request from the Indenture Trustee to do so, the Issuer shall take all such lawful action as the Indenture Trustee
may request to compel or secure the performance and observance (i) by the Seller and the Servicer, as applicable, of each of their obligations
to the Issuer under or in connection with the Sale and Servicing Agreement or (ii) by the Seller of its obligations under or in connection
with the Purchase Agreement, in each case, in accordance with the terms thereof, and to exercise any and all rights, remedies, powers
and privileges lawfully available to the Issuer under or in connection with the Sale and Servicing Agreement and the Purchase Agreement,
as the case may be, to the extent and in the manner directed by the Indenture Trustee, including the transmission of notices of default
on the part of the Seller or the Servicer thereunder and the institution of legal or administrative actions or Proceedings to compel or
secure performance by the Seller or the Servicer of each of their obligations under the Sale and Servicing Agreement or by the Seller
of its obligations under or in connection with the Purchase Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If an Event of Default has occurred and is continuing, the Indenture Trustee may, and, at the direction (which direction shall be in writing)
of the Holders of a majority of the Note Balance of the Controlling Class shall, subject to <U>Article VI</U> hereof, exercise all rights,
remedies, powers, privileges and claims of the Issuer against the Seller or the Servicer under or in connection with the Sale and Servicing
Agreement and/or against the Seller under the Purchase Agreement, including the right or power to take any action to compel or secure
performance or observance by the Seller and/or the Servicer, as the case may be, of each of their obligations to the Issuer thereunder
and to give any consent, request, notice, direction, approval, extension or waiver under the Sale and Servicing Agreement and/or the Purchase
Agreement, as applicable, and any right of the Issuer to take such action shall be suspended.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 5.17 <I>Sale of Collateral</I>.
If the Indenture Trustee acts to sell the Collateral or any part thereof, pursuant to <U>Section 5.4(a)</U>, the Indenture Trustee shall
publish a notice in an Authorized Newspaper stating that the Indenture Trustee intends to effect such a sale in a commercially reasonable
manner and on commercially reasonable terms, which shall include the solicitation of competitive bids. Following such publication, the
Indenture Trustee shall, unless otherwise prohibited by applicable law from any such action, sell the Collateral or any part thereof,
in such manner and on such terms as provided above to the highest bidder, provided, however, that the Indenture Trustee may from time
to time postpone any sale by public announcement made at the time and place of such sale. The Indenture Trustee shall give notice to the
Seller and the Servicer of any proposed sale, and the Seller, the Servicer or any Affiliate thereof shall be permitted to bid for the
Collateral at any such sale. The Indenture Trustee may obtain a prior determination from a conservator, receiver or trustee in bankruptcy
of the Issuer that the terms and manner of any proposed sale are commercially reasonable. The power to effect any sale of any portion
of the Collateral pursuant to <U>Section 5.4</U> and this <U>Section 5.17</U> shall not be exhausted by any one or more sales as to any
portion of the Collateral remaining unsold, but shall continue unimpaired until the entire Collateral shall have been sold or all amounts
payable on the Notes shall have been paid.</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 118.1pt 0pt 1.6in"></P>

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<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE VI</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center"><B>THE INDENTURE TRUSTEE</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 6.1 <I>Duties of the Indenture Trustee</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If an Event of Default has occurred and is continuing, the Indenture Trustee shall exercise the rights and powers vested in it by this
Indenture and shall use the same degree of care and skill in their exercise as a prudent person would exercise or use under the circumstances
in the conduct of such person&#8217;s own affairs.</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Except during the continuance of an Event of Default:</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; the Indenture
Trustee undertakes to perform such duties and only such duties as are specifically set forth in this Indenture and the other Transaction
Documents to which it is a party and no implied duties (including fiduciary duties), covenants, liabilities or obligations shall be read
into this Indenture or the other Transaction Documents against the Indenture Trustee; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; in the absence
of bad faith on its part, the Indenture Trustee shall be protected in acting or refraining from acting and may conclusively rely, as to
the truth of the statements and the correctness of calculations and opinions expressed therein, upon certificates, statements, reports,
opinions and other instruments furnished to the Indenture Trustee and conforming on their face to the requirements of this Indenture;
<U>provided however</U>, the Indenture Trustee shall examine instruments to determine whether or not they conform on their face to the
requirements of this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall not be relieved from liability for its own grossly negligent action, its own grossly negligent failure to
act or its own willful misconduct as determined by a court of competent jurisdiction, except that:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; this paragraph
does not limit the effect of <U>paragraph (b)</U> of this <U>Section 6.1</U>;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; the Indenture
Trustee shall not be liable for any error of judgment made in good faith by a Responsible Officer of the Indenture Trustee unless it is
proved as determined by a court of competent jurisdiction that the Indenture Trustee was grossly negligent in ascertaining the pertinent
facts; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; the Indenture
Trustee shall not be liable with respect to any action it takes or omits to take in good faith in accordance with this Indenture or a
direction received by it pursuant to <U>Section 5.11</U>;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; the Indenture
Trustee shall have no duty to monitor the performance of the Issuer, the Servicer, the Administrator, or their respective agents or any
other Person, nor shall it have any liability in connection with</P>

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<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.7pt 0pt 99.55pt"></P>

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<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0in">malfeasance or nonfeasance by the Issuer,
the Servicer, the Administrator or any other Person. The Indenture Trustee shall have no liability in connection with compliance of the
Issuer, the Servicer or the Administrator or their respective agents with statutory or regulatory requirements related to the Receivables
and Related Security. The Indenture Trustee shall not make or be deemed to have made any representations or warranties with respect to
the Receivables and Related Security or the validity or sufficiency of any assignment of the Receivables and Related Security to the Issuer
or the Indenture Trustee; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; the Indenture
Trustee shall have no duty to monitor the delivery of certificates or opinions required to be delivered in connection with such documents
or the amendments of any such documents and shall have no duty to monitor or determine compliance of any such certificates or opinions
delivered to it with the requirements of any such documents.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Every provision of this Indenture that in any way relates to the Indenture Trustee is subject to this <U>Article VI</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall not be liable for interest on any money received by it except as the Indenture Trustee may agree in writing
with the Issuer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Money held in trust by the Indenture Trustee need not be segregated from other funds except to the extent required by law or the terms
of this Indenture or the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
No provision of this Indenture, any other Transaction Document or any other instrument shall require the Indenture Trustee to expend or
risk its own funds or otherwise incur liability in the performance of any of its duties hereunder or thereunder or in the exercise of
any of its rights or powers, if it shall have reasonable grounds to believe that repayment of such funds or indemnity satisfactory to
it against such risk or liability is not reasonably assured to it.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Every provision of this Indenture and each other Transaction Document relating to the conduct or affecting the liability of or affording
protection to the Indenture Trustee shall be subject to the provisions of this <U>Section 6.1</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall take all actions required to be taken by the Indenture Trustee under the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 6.2 <I>Rights of the Indenture Trustee</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee may conclusively rely on and shall be protected in acting or refraining from acting upon any document believed by
it (i) to be genuine and (ii) to have been signed or presented by the proper person. The Indenture Trustee shall not be responsible for
the accuracy of any document provided to the Indenture Trustee, and need not investigate, recalculate, certify or verify any fact, numerical
information or matter stated in the document.</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Before the Indenture Trustee acts or refrains from acting, it may require an Officer&#8217;s Certificate or an Opinion of Counsel, as
applicable. The Indenture Trustee shall not be liable for any action it takes, suffers or omits to take in good faith in reliance on such
Officer&#8217;s Certificate or Opinion of Counsel. Any such Officer&#8217;s Certificate or Opinion of Counsel requested by the Indenture
Trustee shall be an expense of the Person requesting the Indenture Trustee to act or refrain from acting or otherwise shall be an expense
of the Issuer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through
Affiliates, agents or attorneys or a custodian or nominee, and the Indenture Trustee shall not be responsible for any misconduct or negligence
on the part of, or for the supervision of, the Administrator, any such agent, attorney, custodian or nominee appointed with due care by
it hereunder, or any co-trustee or separate trustee appointed in accordance with the provisions of <U>Section 6.10</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall not be liable for any action it takes or omits to take or errors in judgment made in good faith which it believes
to be authorized or within its rights or powers; <U>provided</U>, <U>however</U>, that the Indenture Trustee&#8217;s conduct does not
constitute willful misconduct, gross negligence or bad faith.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee may consult with counsel, and the advice or opinion of counsel with respect to legal matters relating to this Indenture
and the Notes shall be full and complete authorization and protection from liability in respect to any action taken, omitted or suffered
by it hereunder in good faith and in accordance with the advice or opinion of such counsel.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.6pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.6pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall be under no obligation to exercise any of the rights or powers vested in it by this Indenture or to institute,
conduct or defend any litigation under this Indenture or in relation to this Indenture or to honor the request or direction of any of
the Noteholders pursuant to this Indenture unless such Noteholders shall have offered to the Indenture Trustee security or indemnity reasonably
satisfactory to the Indenture Trustee against the reasonable costs, expenses, disbursements, advances and liabilities that might be incurred
by it, its agents and its counsel in compliance with such request or direction.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
In the performance of its obligations as Indenture Trustee under the Sale and Servicing Agreement and in the performance of its obligations
as Calculation Agent, the Indenture Trustee shall be entitled to all of the same rights, protections, indemnities and immunities of the
Indenture Trustee under this Indenture <I>mutatis mutandis</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding anything to the contrary herein or otherwise, under no circumstance will the Indenture Trustee be liable for special,
punitive, indirect or consequential loss or damage of any kind whatsoever, including, but not limited to, lost profits, whether or not
foreseeable, even if the Indenture Trustee has been advised of the possibility thereof and regardless of the form of action in which such
damages are sought.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement,
instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, other than to the extent set</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt"></P>

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<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">forth in the Transaction Documents or otherwise
agreed in writing by the Indenture Trustee or required under applicable law.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding anything to the contrary in this Indenture, the Indenture Trustee shall not be liable for any loss or damage, or any failure
or delay in the performance of its obligations hereunder if it is prevented from so performing its obligations by any reason which is
beyond the control of such party, including, but not limited to, the provision of any present or future applicable law or regulation or
act of any governmental authority, strikes, work stoppages, accidents, acts of war or terrorism, civil or military disturbances, nuclear
or natural catastrophes or acts of god, disease, epidemics, shelter-at-home orders, and interruptions, loss or malfunctions of utilities,
communications or computer (software or hardware) services, unavailability of the Federal Reserve Bank wire or telex system or other applicable
wire or funds transfer system, or unavailability of any securities clearing system or other force majeure events.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.1pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The right of the Indenture Trustee to perform any permissive or discretionary act enumerated in this Indenture or any related document
shall not be construed as a duty.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Neither the Indenture Trustee nor any of its officers, directors, employees, attorneys or agents will be responsible or liable for the
existence, genuineness, value or protection of any Collateral, for the legality, enforceability, effectiveness or sufficiency of the Transaction
Documents, for the creation, perfection, continuation, priority, sufficiency or protection of any liens with regard to the Collateral
or the Transaction Documents, or for any defect or deficiency as to any such matters, or for any failure to demand, collect, foreclose
or realize upon or otherwise enforce any of such liens or the Transaction Documents or any delay in doing so, unless such responsibility
or liability is otherwise imposed on the Indenture Trustee under this Indenture. In the event that any Collateral shall be attached, garnished
or levied upon by any court order, or the delivery thereof shall be stayed or enjoined by an order of a court, or any order, judgment
or decree shall be made or entered by any court order affecting the Collateral, the Indenture Trustee is hereby expressly authorized,
in its sole discretion, to respond as it deems appropriate or to comply with all writs, orders or decrees so entered or issued, or which
it is advised by legal counsel of its own choosing is binding upon it, whether with or without jurisdiction. In the evet that the Indenture
Trustee obeys or complies with any such writ, order or decree, it shall not be liable to any of the Parties or to any other Person, firm
or corporation, should, by reason of such compliance notwithstanding, such writ, order or decree be subsequently reversed, modified, annulled,
set aside or vacated.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall not be liable solely for any action or inaction of the Issuer, the Noteholders, the Servicer, the Backup Servicer
or any other party (or agent thereof) to this Indenture or any other Transaction Document, or the monitoring, supervision or investigation
of such Persons, and may assume compliance by such Persons with their obligations under this Indenture or any other Transaction Documents,
unless a Responsible Officer of the Indenture Trustee has actual knowledge or received written notice to the contrary.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding anything to the contrary in this Indenture, the Indenture Trustee shall not be required to take any action that is not
in accordance with applicable law.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Except as otherwise provided in Sections 3.6 and 9.20 of the Sale and Servicing Agreement, the Indenture Trustee shall not have any duty
to conduct any investigation as to the occurrence of any condition requiring the repurchase of any Receivable, or the eligibility of any
Receivable for purposes of this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall be entitled to request and receive written instructions from the Administrator (on behalf of the Issuer) or
the Required Noteholders, as the case may be, and shall not be liable with respect to any action it takes or omits to take in accordance
with a direction received by it from the Issuer or the required Noteholders, as the case may be, in accordance with the Transaction Documents.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall not be imputed with any knowledge of, nor responsibility for, the terms and conditions of any other agreement,
instrument or document other than the Transaction Documents to which the Indenture Trustee is a party, or information possessed or obtained
by any other Person, or any affiliate, line of business, or other division of Deutsche Bank National Trust Company (and vice versa) unless
such person is a Responsible Officer of the Indenture Trustee or the Indenture Trustee also has such actual knowledge or information.
Information contained in any reports delivered to the Indenture Trustee and any other publicly available information shall not constitute
actual or constructive knowledge; <I>provided</I>, <I>however</I>, that, notwithstanding any provision in the Transaction Documents to
the contrary, any document delivered to the Indenture Trustee the information contained in which the Indenture Trustee is required to
take notice of to fulfill its obligations under the Transaction Documents or under applicable law shall constitute actual notice to the
Indenture Trustee of such information.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
For so long as the Indenture Trustee is the Paying Agent or the Note Registrar, all rights, benefits, protections, immunities and indemnities
afforded to the Indenture Trustee hereunder shall be applicable to any Paying Agent or the Note Registrar<I>, mutatis mutandis</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
It is understood and agreed that, when performing duties related to investment of funds, the Indenture Trustee and the Paying Agent and
their affiliates are permitted to receive additional compensation that could be deemed to be in the Indenture Trustee&#8217;s or the Paying
Agent&#8217;s economic self-interest for (1) serving as investment adviser, administrator, shareholder servicing agent, custodian or sub-custodian
with respect to certain of the investments, (2) using affiliates to effect transactions in certain investments and (3) effecting transactions
in investments. Such compensation shall not be an amount that is reimbursable or payable pursuant to this Indenture. Neither the Indenture
Trustee nor the Paying Agent shall be liable for the selection of Eligible Investments or for any losses incurred therein including losses
incurred as a result of the liquidation of any Eligible Investment prior to its stated maturity.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The rights, privileges, protections, indemnities, immunities and benefits afforded to the Indenture Trustee under this Indenture are extended
to, and shall be enforceable by (i) the Indenture Trustee in each document related hereto to which it is a party or otherwise subject,
whether or not specifically set forth therein, and (ii) the entity serving as the Indenture Trustee in each of its capacities hereunder
and under any related Transaction Document together with such other rights, privileges, protections, indemnities, immunities, and benefits
afforded to the applicable party hereunder or under any related Transaction Document.</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.3 <I>Individual Rights of the
Indenture Trustee</I>. The Indenture Trustee in its individual or any other capacity may become the owner or pledgee of Notes and may
otherwise deal with the Seller, the Owner Trustee, the Administrator and their respective Affiliates with the same rights it would have
if it were not the Indenture Trustee, and the Seller, the Owner Trustee, the Administrator and their respective Affiliates may maintain
normal commercial banking and investment banking relationships with the Indenture Trustee and its Affiliates. Any Paying Agent, Note Registrar,
co-registrar, co-paying agent, co-trustee or separate trustee may do the same with like rights. However, the Indenture Trustee must comply
with <U>Section 6.11</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.4 <I>The Indenture Trustee&#8217;s
Disclaimer</I>. The Indenture Trustee shall not be responsible for and makes no representation as to the validity, enforceability or adequacy
of this Indenture or the Notes, shall not be accountable for the Issuer&#8217;s use of the proceeds from the Notes, and shall not be responsible
for any statement of the Issuer in the Indenture or in any document issued in connection with the sale of the Notes or in the Notes, all
of which shall be taken as the statements of the Issuer, other than the Indenture Trustee&#8217;s certificate of authentication.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.5 <I>Notice of Defaults</I>.
If a Default or an Event of Default occurs and is continuing and if it is either actually known or written notice of the existence thereof
has been delivered to a Responsible Officer of the Indenture Trustee, the Indenture Trustee shall make available to each Noteholder, the
Issuer, the Owner Trustee and the Administrator notice of the Default or Event of Default within 90 days after such knowledge or notice
occurs by posting such notice to the Indenture Trustee&#8217;s website at https://tss.sfs.db.com/investpublic/. Except in the case of
a Default or an Event of Default in payment of principal of or interest on any Note (including payments pursuant to the mandatory redemption
provisions of such Note), the Indenture Trustee may withhold the notice if and so long as a committee of its Responsible Officers in good
faith determines that withholding the notice is in the interests of Noteholders. For the avoidance of any doubt, the Indenture Trustee
shall not be charged with knowledge of (A) any events or other information, or (B) any default under this Indenture or any other agreement
unless a Responsible Officer of the Indenture Trustee shall have actual knowledge thereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.6 <I>Reports by the Indenture
Trustee to Noteholders</I>. The Indenture Trustee, at the expense of the Issuer, shall make available to each Noteholder, not later than
the latest date permitted by law, such information in the possession of Indenture Trustee as may be required by the Code to enable such
Holder to prepare its federal and state income tax returns (which the Indenture Trustee shall have no duty to verify or confirm). The
Indenture Trustee will make documents or information which it is expressly required to provide available to the Noteholders by posting
such information at https://tss.sfs.db.com/investpublic/ or at such other address as the Indenture Trustee shall notify the Noteholders
from time to time. The Indenture Trustee shall have the right to change the way such statements are distributed in order to make such
distribution more convenient and/or more accessible to the above parties and the Indenture Trustee shall provide timely and adequate notification
to all above parties regarding any such changes; provided, however, that the Indenture Trustee will also mail copies of any statements
to any Noteholders who so request in writing.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.7 <I>Compensation and Indemnity</I>.
The Indenture Trustee shall be (i) paid from time to time such compensation as the Servicer and the Indenture Trustee shall from time
to time agree in writing for services rendered by the Indenture Trustee hereunder and under the other</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.7pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">Transaction Documents in accordance
with an applicable fee letter and (ii) reimbursed for all expenses, advances and disbursements reasonably incurred by it in
connection with the performance of its powers, duties and obligations as Indenture Trustee, as Calculation Agent, as Note Registrar
and as Paying Agent (including the reasonable compensation, expenses and disbursements of its agents, counsel, accountants and
experts). Each of the Indenture Trustee, the Calculation Agent, the Paying Agent and the Note Registrar (each in its individual
capacity and representative capacity) and each of its respective officers, directors, shareholders, employees and agents shall be
indemnified for, defended and held harmless against, any and all fees, damages, suits, judgments, costs, loss, liability, expense,
tax, penalty or claim (including reasonable attorneys&#8217; fees and expenses and court costs and any losses incurred in connection
with a successful defense, in whole or in part, of any claim that the Indenture Trustee breached its standard of care and legal fees
and expenses and court costs incurred in any dispute, action, claim or suit brought to enforce any indemnification or other
obligation of the indemnifying party) of any kind or nature whatsoever arising out of or in connection with this Indenture and the
other Transaction Documents, including in connection with (i) the administration of the trust or trusts hereunder or under any other
Transaction Document, (ii) the performance of its duties as Indenture Trustee, Calculation Agent, Paying Agent and Note Registrar or
the enforcement of its rights (including indemnification rights) under the Transaction Documents, including in connection with (x)
complying with any new or updated law or regulation related to or affecting the transaction and (y) addressing any bankruptcy
related to or affecting the transaction, including, as applicable, all costs incurred in connection with the use of default
specialists within or outside Deutsche Bank National Trust Company, (iii) negotiating and executing any amendment or supplement of
any Transaction Document, and (iv) investigating, preparing for, defending itself or themselves against or prosecuting for itself or
that is related directly or indirectly in any way to the Collateral, the Transaction Documents or the Notes (including, without
limitation, the initial offering, any secondary trading and any transfer or exchange of the Notes). The Indenture Trustee&#8217;s
compensation shall not be limited by any law on compensation of a trustee of an express trust. The Indenture Trustee shall notify
the Issuer and the Servicer promptly of any claim for which it may seek indemnity. Failure by the Indenture Trustee to so notify the
Issuer and the Servicer shall not relieve the Issuer or the Servicer of its obligations hereunder or, in the case of the Servicer,
under the Sale and Servicing Agreement. The Issuer shall, or shall cause the Servicer to, defend any such claim (except in
connection with any claim for indemnification of any attorneys&#8217; fees, costs and expenses incurred by the Indenture Trustee in
connection with any enforcement (including by means of any action, claim or suit) by the Indenture Trustee of any indemnification or
other obligation of the Issuer or Servicer), and the Indenture Trustee may have separate counsel and the Issuer shall, or shall
cause the Servicer to, pay the fees and expenses of such counsel within a reasonable time following receipt by the Servicer of an
invoice therefor. None of the Administrator, the Issuer, the Seller, or the Servicer shall be liable for or required to indemnify
the Indenture Trustee from and against any of the foregoing expenses or indemnities arising or resulting from (i) its own willful
misconduct, bad faith or negligence as determined by a court of competent jurisdiction no longer subject to appeal or (ii) taxes,
fees or other charges on, based on or measured by, any fees, commissions or compensation received by the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The compensation and indemnity obligations
to the Indenture Trustee pursuant to this <U>Section 6.7</U> shall survive the termination, assignment, and/or discharge of this Indenture
and the resignation or removal of the Indenture Trustee. When the Indenture Trustee incurs expenses after the occurrence of an Event of
Default set forth in <U>Section 5.1(e)</U> with respect to the Issuer, the</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">expenses are intended to constitute expenses of
administration under the Bankruptcy Code or any other applicable federal or state bankruptcy, insolvency or similar law.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Any amounts payable to the Indenture Trustee
pursuant to this <U>Section 6.7</U> shall be paid pursuant to Section 4.4(a) of the Sale and Servicing Agreement or <U>Section 5.4(b)</U>
of this Indenture, as applicable (to the extent of Available Funds available therefor) or, to the extent not paid thereunder, shall be
paid by the Servicer pursuant to Section 3.10 of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.8 <I>Removal, Resignation and
Replacement of the Indenture Trustee</I>. The Indenture Trustee may resign at any time by so notifying the Issuer, the Administrator,
the Backup Servicer and the Servicer. The Holders of a majority of the Note Balance of the Controlling Class may remove the Indenture
Trustee without cause by giving 30 days&#8217; prior written notice to the Indenture Trustee and the Issuer, and following that removal
may appoint a successor to the Indenture Trustee. The Issuer shall remove the Indenture Trustee upon no less than 30 days written notice
if:</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Indenture Trustee fails to comply with <U>Section 6.11</U>;</P>



<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a Bankruptcy Event occurs with respect to the Indenture Trustee;</P>



<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a receiver or other public officer takes charge of the Indenture Trustee or its property; or</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Indenture Trustee otherwise becomes incapable of acting.</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">If the Indenture Trustee resigns or is
removed or if a vacancy exists in the office of the Indenture Trustee for any reason (the Indenture Trustee in such event being referred
to herein as the retiring Indenture Trustee), the Issuer shall promptly appoint a successor Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">A successor Indenture Trustee shall deliver
a written acceptance of its appointment to the retiring Indenture Trustee and to the Issuer. Thereupon the resignation or removal of the
retiring Indenture Trustee shall become effective, and the successor Indenture Trustee, without any further act, deed or conveyance, shall
have all the rights, powers and duties of the Indenture Trustee under this Indenture. The successor Indenture Trustee shall mail a notice
of its succession to Noteholders. The retiring Indenture Trustee shall promptly transfer all property held by it as the Indenture Trustee
to the successor Indenture Trustee upon payment thereto of any and all outstanding fees and expenses due and payable.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">If a successor Indenture Trustee does
not take office within thirty (30) days after the retiring Indenture Trustee resigns or is removed, the retiring Indenture Trustee, the
Issuer or the Holders of a majority of the Note Balance of the Controlling Class may petition any court of competent jurisdiction for
the appointment of a successor Indenture Trustee and all reasonable fees, costs and expenses (including, without limitation, reasonable
attorneys&#8217; fees) incurred in connection with such petition shall be paid by the Issuer.</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">If the Indenture Trustee fails to comply
with <U>Section 6.11</U>, any Noteholder may petition any court of competent jurisdiction for the removal of the Indenture Trustee and
the appointment of a successor Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Any resignation or removal of the Indenture
Trustee and appointment of a successor Indenture Trustee pursuant to any of the provisions of this <U>Section 6.8</U> shall not become
effective until acceptance of appointment by the successor Indenture Trustee pursuant to this <U>Section 6.8</U> and payment of all fees,
indemnities and expenses owed to the outgoing Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Notwithstanding the resignation or removal
of the Indenture Trustee pursuant to this <U>Section 6.8</U>, the Issuer&#8217;s and the Servicer&#8217;s obligations under <U>Section
6.7</U> shall continue for the benefit of the retiring Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Indenture Trustee shall not be liable
for the acts or omissions of any successor Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.9 <I>Successor Indenture Trustee
by Merger</I>. Subject to <U>Section 6.11</U>, if the Indenture Trustee consolidates with, merges or converts into, or transfers all or
substantially all its corporate trust business or assets to, another corporation or banking association or other entity, the resulting,
surviving or transferee corporation or other entity without any further act shall be the successor Indenture Trustee, <I>provided</I>,
that such corporation or banking association or other entity shall be otherwise qualified and eligible under <U>Section 6.11</U>. The
Indenture Trustee shall notify the Administrator of any such transaction within a commercially reasonable amount of time.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">In case at the time such successor or
successors by merger, conversion or consolidation to the Indenture Trustee shall succeed to the trusts created by this Indenture any of
the Notes shall have been authenticated but not delivered, any such successor to the Indenture Trustee may adopt the certificate of authentication
of any predecessor trustee, and deliver such Notes so authenticated; and in case at that time any of the Notes shall not have been authenticated,
any successor to the Indenture Trustee may authenticate such Notes either in the name of any predecessor hereunder or in the name of the
successor to the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 6.10 <I>Appointment of Co-Indenture Trustee or Separate Indenture Trustee</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding any other provisions of this Indenture, at any time, after delivering written notice to the Administrator, for the purpose
of meeting any legal requirement of any jurisdiction in which any part of the Collateral may at the time be located, or in connection
with any Proceeding or other enforcement action or where a conflict of interest exists, the Indenture Trustee shall have the power and
may execute and deliver all instruments to appoint one or more Persons to act as a co-trustee or co-trustees, or separate trustee or separate
trustees, of all or any part of the Collateral, and to vest in such Person or Persons, in such capacity and for the benefit of the Noteholders,
such title to the Collateral, or any part hereof, and, subject to the other provisions of this <U>Section 6.10</U>, such powers, duties,
obligations, rights and trusts as the Indenture Trustee may consider necessary or desirable. No co-trustee or separate trustee hereunder
shall be required to meet the terms of eligibility as a successor trustee under <U>Section 6.11</U>, and no notice to Noteholders of the
appointment of any co-trustee or separate trustee shall be required under <U>Section 6.8</U>.</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Every separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions
and conditions:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; all rights,
powers, duties and obligations conferred or imposed upon the Indenture Trustee shall be conferred or imposed upon and exercised or performed
by the Indenture Trustee and such separate trustee or co-trustee jointly (it being intended that such separate trustee or co-trustee is
not authorized to act separately without the Indenture Trustee joining in such act), except to the extent that under any law of any jurisdiction
in which any particular act or acts are to be performed the Indenture Trustee shall be incompetent or unqualified to perform such act
or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Collateral or any portion thereof
in any such jurisdiction) shall be exercised and performed singly by such separate trustee or co-trustee, but solely at the direction
of the Indenture Trustee;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; no separate
trustee or co-trustee hereunder shall be personally liable by reason of any act or omission of any other trustee hereunder, including
acts or omissions of predecessor or successor trustees;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; the Indenture
Trustee and the Administrator may at any time accept the resignation of or, acting jointly, remove any separate trustee or co- trustee;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; no separate
trustee or co-trustee hereunder shall be deemed an agent of the Indenture Trustee; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; the Indenture
Trustee shall have no responsibility or liability relating to the appointment of any co-trustee or separate trustee or relating to the
action or inaction of any co-trustee or separate trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any notice, request or other writing given to a Responsible Officer of the Indenture Trustee shall be deemed to have been given to each
of the separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee
or co- trustee shall refer to this Indenture and the conditions of this <U>Article VI</U>. Each separate trustee and co-trustee, upon
its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either
jointly with the Indenture Trustee or separately, as may be provided therein, subject to all the provisions of this Indenture, specifically
including every provision of this Indenture relating to the conduct of, affecting the liability of, or affording protection to, the Indenture
Trustee. Every such instrument shall be filed with the Indenture Trustee and a copy thereof given to the Administrator.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any separate trustee or co-trustee may at any time constitute the Indenture Trustee as its agent or attorney-in-fact with full power and
authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Indenture on its behalf and in its name.
If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights,
remedies and trusts shall vest in and be exercised by the Indenture</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">Trustee, to the extent permitted by law,
without the appointment of a new or successor trustee. Notwithstanding anything to the contrary in this Indenture, the appointment of
any separate trustee or co-trustee shall not relieve the Indenture Trustee of its obligations and duties under this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.11 <I>Eligibility; Disqualification</I>.
The Indenture Trustee shall at all times have a combined capital and surplus of at least $50,000,000 as set forth in its most recent published
annual report of condition and shall have a long term debt rating of investment grade or better by the Rating Agency or shall otherwise
be acceptable to the Rating Agency. Neither the Issuer nor any Affiliate of the Issuer may serve as Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 6.12 <I>Representations and Warranties</I>.
The Indenture Trustee hereby makes the following representations and warranties on which the Issuer and the Noteholders shall rely:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Indenture Trustee is a national banking association duly organized and validly existing under the laws of the United States of America;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Indenture Trustee has full power, authority and legal right to execute, deliver, and perform this Indenture and shall have taken all
necessary action to authorize the execution, delivery and performance by it of this Indenture;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
this Indenture has been duly executed and delivered by the Indenture Trustee; and</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
this Indenture is a legal, valid and binding obligation of the Indenture Trustee enforceable in accordance with its terms, subject to
the effects of bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors&#8217; rights generally
and to general principles of equity.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: 73.3pt; margin: 0pt 108.55pt 0pt 127.75pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE VII</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">NOTEHOLDERS&#8217;
LISTS AND REPORTS</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 7.1 <I>The Note Registrar to Furnish the Indenture Trustee Names and
Addresses of Noteholders. </I>The Note Registrar shall furnish or cause to be furnished to the Indenture Trustee (a) not more than
five days after each Record Date, a list, in such form as the Indenture Trustee may reasonably require, of the names and addresses
of the Noteholders as of such Record Date and (b) at such other times as the Indenture Trustee or the Owner Trustee may request in
writing, within 30 days after receipt by the Note Registrar of any such request, a list of similar form and content as of a date not
more than ten days prior to the time such list is furnished; <U>provided</U>, <U>however</U>, that so long as (i) the Indenture
Trustee is the Note Registrar or (ii) the Notes are issued as Book-Entry Notes, no such list shall be required to be furnished to
the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 7.2 <I>Preservation of Information; Communications to Noteholders</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall preserve, in as current a form as is reasonably practicable, the names and addresses of the Noteholders contained
in the most recent list furnished to the Indenture Trustee as provided in <U>Section 7.1</U> and the names and addresses of Noteholders
received by the Indenture Trustee in its capacity as the Note Registrar. The Indenture Trustee may</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.8pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">destroy any list furnished to it as provided
in such <U>Section 7.1</U> upon receipt of a new list so furnished; <U>provided</U>, <U>however</U>, that so long as the Indenture Trustee
is the Note Registrar or the Notes are issued as Book-Entry Notes, no such list shall be required to be preserved or maintained.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Noteholders may communicate with other Noteholders with respect to their rights under this Indenture or under the Notes. Upon receipt
by the Indenture Trustee of any request by three or more Noteholders or by one or more Noteholders of Notes evidencing not less than 25%
of the Note Balance, voting together as a single Class, to receive a copy of the current list of Noteholders, the Indenture Trustee shall
promptly notify the Administrator thereof by providing to the Administrator a copy of such request and a copy of the list of Noteholders
produced in response thereto.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer, the Indenture Trustee and the Note Registrar shall have no liability for the disclosure, pursuant to this Article VII, of
the names and addresses of the Noteholders regardless of the source of such information, and such disclosure shall not be deemed to be
a violation of any existing law or of any law hereafter enacted.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 7.3 <I>Rule 144A Information</I>.
Upon the request of a Noteholder or Note Owner of a Note, the Issuer shall promptly furnish or cause to be furnished Rule 144A Information
to such Noteholder or Note Owner, to a prospective purchaser of such Note designated by such Noteholder or Note Owner or to the Indenture
Trustee for delivery (in the manner contemplated by Section 4.6 of the Sale and Servicing Agreement) to such Noteholder or Note Owner,
as the case may be, or a prospective purchaser designated by such Noteholder or Note Owner, in order to permit compliance by such Noteholder
or Note Owner with Rule 144A in connection with the resale of such Note by such Noteholder or Note Owner.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 118.1pt 0pt 1.6in">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE VIII</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; text-align: center"><B>ACCOUNTS, DISBURSEMENTS AND RELEASES</B></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 8.1 <I>Collection of Money</I>.
Except as otherwise expressly provided herein, the Indenture Trustee may demand payment or delivery of, and shall receive and collect,
directly and without intervention or assistance of any fiscal agent or other intermediary, all money and other property payable to or
receivable by the Indenture Trustee pursuant to this Indenture and the Sale and Servicing Agreement. The Indenture Trustee shall apply
all such money received by it as provided in this Indenture and the Sale and Servicing Agreement. Except as otherwise expressly provided
in this Indenture, if any default occurs in the making of any payment or performance under any agreement or instrument that is part of
the Collateral, the Indenture Trustee may take such action as may be appropriate to enforce such payment or performance, including the
institution and prosecution of appropriate Proceedings. Any such action shall be without prejudice to any right to claim a Default or
Event of Default under this Indenture and any right to proceed thereafter as provided in <U>Article V</U>.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 8.2 <I>Trust Accounts</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On the Business Day before each Payment Date, the Issuer shall cause the Servicer to deposit all Collections with respect to the Collection
Period preceding such Payment Date in</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">the Collection Account as provided in Sections
4.2 and 4.3 of the Sale and Servicing Agreement. On or before each Payment Date, all amounts required to be withdrawn from the Reserve
Account and deposited in the Collection Account pursuant to Section 4.3 of the Sale and Servicing Agreement shall be withdrawn by the
Indenture Trustee from the Reserve Account and deposited to the Collection Account as instructed on the Investor Report.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the acceleration of the maturity of the Notes pursuant to <U>Section 5.2</U> of this Indenture, on each Payment Date and the
Redemption Date, the Indenture Trustee shall distribute, in accordance with the priority of payments set forth in Section 4.4 of the Sale
and Servicing Agreement, the First Allocation of Principal, the Second Allocation of Principal and the Regular Allocation of Principal:</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; <I>first</I>, to
the Class A Noteholders until the Class A Notes are paid in full; and</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; <I>second</I>, to the Class B Noteholders until the Class B Notes
are paidi n full.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On the Payment Date on which the Notes of all Classes have been paid in full, the Indenture Trustee shall take all necessary or appropriate
actions, as directed by the Issuer and at no expense to the Indenture Trustee or the Owner Trustee, to transfer all of its right, title
and interest in the contents of the Collection Account (including any investments and investment income) to the Certificateholders pursuant
to the Trust Agreement.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 8.3 <I>General Provisions Regarding Accounts</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The funds in the Collection Account and the Reserve Account shall be invested in Eligible Investments in accordance with and subject
to Section 4.1(b) of the Sale and Servicing Agreement; <I>provided</I>, <I>however</I>, that any amounts deposited into the
Collection Account on the day prior to a Payment Date (or Redemption Date) to be distributed on such Payment Date (or Redemption
Date) shall remain uninvested. All interest and investment income (net of losses and investment expenses) on funds on deposit (i) in
the Collection Account shall be distributed to the Servicer in accordance with the provisions of Section 3.7 of the Sale and
Servicing Agreement and (ii) in the Reserve Account shall be distributed to the Servicer in accordance with the provisions of
Sections 3.7 and 4.3 of the Sale and Servicing Agreement. The Indenture Trustee shall not be directed to make any investment of any
funds or to sell any investment held in any of the Trust Accounts unless the security interest Granted and perfected in such account
will continue to be perfected in such investment or the proceeds of such sale, in either case without any further action by any
Person, and, in connection with any direction to the Indenture Trustee to make any such investment or sale, if requested by the
Indenture Trustee, the Issuer shall deliver to the Indenture Trustee an Opinion of Counsel, acceptable to the Indenture Trustee, to
such effect.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to <U>Section 6.1(c)</U>, the Indenture Trustee shall not in any way be held liable for any losses on any investments, including
losses of principal or interest, for breakage fees or penalties, from market risks due to premature liquidation, or resulting from other
actions taken pursuant to and consistent with the Transaction Documents (including by reason of any insufficiency in any of the Trust
Accounts resulting from any loss on any Eligible Investment</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">included therein), except for losses attributable
to the Indenture Trustee&#8217;s failure to make payments on any such Eligible Investments issued by the Indenture Trustee in its commercial
capacity as principal obligor and not as trustee, in accordance with their terms.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If (i) investment directions shall not have been given in writing by the Servicer in accordance with Section 4.1(b) of the Sale and Servicing
Agreement for any funds on deposit in the Trust Accounts to the Indenture Trustee by 11:00 a.m., New York City time (or such other time
as may be agreed by the Servicer and the Indenture Trustee), on any Business Day or (ii) a Default or Event of Default shall have occurred
and be continuing with respect to the Notes but the Notes shall not have been declared due and payable pursuant to <U>Section 5.2</U>
or (iii) the Notes shall have been declared due and payable following an Event of Default and amounts collected or received from the Collateral
are being applied in accordance with Section 4.4 of the Sale and Servicing Agreement as if there had not been such a declaration, then
the Indenture Trustee shall, to the fullest extent practicable, invest and reinvest funds in the Trust Accounts in one or more Eligible
Investments in accordance with the standing instructions most recently given by the Servicer; <I><U>provided</U></I>, <I><U>however</U></I>,
that if no standing instructions shall have been given to the Indenture Trustee, the funds shall remain uninvested.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Pursuant to Section 4.1(b) of the Sale and Servicing Agreement, the Servicer acknowledges that upon its written request and at no additional
cost, it has the right to receive notification after the completion of each purchase and sale of Eligible Investments or the Indenture
Trustee&#8217;s receipt of a broker&#8217;s confirmation. The Servicer agrees that such notifications shall not be provided by the Indenture
Trustee hereunder, and the Indenture Trustee shall make available, upon request and in lieu of notifications, periodic account statements
that reflect such investment activity.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 8.4 <I>Release of Collateral</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to the payment of its fees and expenses pursuant to <U>Section 6.7</U>, the Indenture Trustee may in accordance with the terms
hereof, and when required by the provisions of this Indenture shall, execute instruments to release property from the lien of this Indenture,
or convey the Indenture Trustee&#8217;s interest in the same, in a manner and under circumstances that are not inconsistent with the provisions
of this Indenture. No party relying upon an instrument executed by the Indenture Trustee as provided in this <U>Article VIII</U> shall
be bound to ascertain the Indenture Trustee&#8217;s authority, inquire into the satisfaction of any conditions precedent or see to the
application of any monies.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall, at such time as there are no Notes Outstanding and all sums due the Indenture Trustee pursuant to <U>Section
6.7</U> have been paid, release any remaining portion of the Collateral that secured the Notes from the lien of this Indenture and release
to the Issuer or any other Person entitled thereto any funds then on deposit in the Trust Accounts; <U>provided</U>, that following any
Clean-Up Call pursuant to Section 8.1 of the Sale and Servicing Agreement, any amounts remaining on deposit in the Reserve Account shall
be distributable to or at the direction of the Depositor. Such release shall include release of the lien of this Indenture and transfer
of dominion and control over the Trust Accounts to the Issuer or its designee. The Indenture Trustee shall release property from the lien
of this Indenture pursuant to this <U>Section 8.4</U></P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">only upon receipt of an Issuer Request accompanied
by an Officer&#8217;s Certificate and an Opinion of Counsel pursuant to <U>Section 11.1</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Each Noteholder or Note Owner, by its
acceptance of a Note or, in the case of a Note Owner, a beneficial interest in a Note, acknowledges that from time to time the Indenture
Trustee shall release the lien of this Indenture (or shall be deemed to automatically release the lien of this Indenture without any
further action) on any Receivable to be sold to (i) the Servicer in accordance with Section 3.6 of the Sale and Servicing Agreement and
(ii) the Seller in accordance with Section 3.4 of the Purchase Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 8.5 <I>Opinion of Counsel</I>.
The Indenture Trustee shall receive at least seven (7) days&#8217; prior notice (or such shorter notice as is acceptable to the Indenture
Trustee) when requested by the Issuer to take any action pursuant to <U>Section 8.4(a)</U>, accompanied by copies of any instruments involved,
and the Indenture Trustee may also require as a condition to such action, an Opinion of Counsel, in form and substance satisfactory to
the Indenture Trustee, stating the legal effect of any such action, outlining the steps required to complete the same, and concluding
that all conditions precedent to the taking of such action have been complied with and such action will not materially and adversely impair
the security for the Notes or the rights of the Noteholders in contravention of the provisions of this Indenture; <U>provided</U>, that
such Opinion of Counsel shall not be required to express an opinion as to the fair value of the Collateral. Counsel rendering any such
opinion may rely, without independent investigation, on the accuracy and validity of any certificate or other instrument delivered to
the Indenture Trustee in connection with any such action.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: 54.7pt; margin: 0pt 151.6pt 0pt 148.75pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE IX</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">SUPPLEMENTAL
INDENTURES</P>

<P STYLE="margin: 0pt 151.6pt 0pt 148.75pt; font-size: 10pt; font-weight: bold; text-align: left; text-indent: 54.7pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">SECTION 9.1 <I>Supplemental Indentures Without Consent of Noteholders</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Without the consent of the Noteholders or any other Person, the Issuer and the Indenture Trustee (when so directed by an Issuer Request)
but with prior notice from the Issuer to the Rating Agency, at any time and from time to time, may enter into one or more indentures supplemental
hereto for the purpose of adding any provisions to, or changing in any manner or eliminating any of the provisions of, this Indenture
or for the purposes of modifying in any manner the rights of the Noteholders under this Indenture subject to the satisfaction of the following
conditions:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; the Issuer delivers
an Opinion of Counsel or Officer&#8217;s Certificate to the Indenture Trustee to the effect that such supplemental indenture will not
materially and adversely affect the interests of the Noteholders; or</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; the Rating
Agency Condition is satisfied with respect to such supplemental indenture and the Issuer notifies the Indenture Trustee in writing that
the Rating Agency Condition is satisfied with respect to such supplemental indenture.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Without the consent of the Noteholders or any other Person, the Issuer and the Indenture Trustee (when so directed by an Issuer Request),
may also enter into one or more</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">indentures supplemental hereto for the purpose of
conforming the terms of this Indenture to the description thereof in the Offering Memorandum.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the execution of any such supplemental indenture, the Issuer shall provide written notification of the substance of such supplemental
indenture to the Rating Agency and the Owner Trustee; and promptly after the execution of any such supplemental indenture, the Issuer
shall furnish a copy of such supplemental indenture to the Rating Agency, the Owner Trustee, the Backup Servicer, the Calculation Agent,
the Paying Agent, the Note Registrar and the Indenture Trustee; <U>provided</U>, that no supplemental indenture pursuant to this <U>Section
9.1</U> shall be effective which affects the rights, protections, immunities, indemnities or duties of the Indenture Trustee, the Backup
Servicer, the Calculation Agent, the Paying Agent, the Note Registrar or the Owner Trustee without the prior written consent of such Person
(which consent shall not be unreasonably withheld or delayed).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Promptly after the execution by the Issuer and the Indenture Trustee of any supplemental indenture pursuant to this <U>Section 9.1</U>,
the Indenture Trustee shall deliver to the Noteholders a copy of such supplemental indenture. Any failure of the Indenture Trustee to
mail a copy of such supplemental indenture, or any defect therein, shall not, however, in any way impair or affect the validity of any
such supplemental indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding <U>subsection (a)</U> of this <U>Section 9.1</U>, this Indenture may only be amended by the Issuer and the Indenture Trustee
if (i) the Certificateholders consent to such supplemental indenture or (ii) such supplemental indenture shall not, as evidenced by an
Officer&#8217;s Certificate of the Depositor or an Opinion of Counsel delivered to the Indenture Trustee and the Owner Trustee, materially
and adversely affect the interests of the Certificateholders. It will not be necessary to obtain the consent of the Certificateholders
to approve the particular form of any proposed supplemental indenture, but it will be sufficient if such consent approves the substance
thereof.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 9.2 <I>Supplemental Indentures with Consent of Noteholders</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
With the consent of Noteholders holding not less than a majority of the Note Balance of the Outstanding Notes, voting together as a single
Class, by Act of such Holders delivered to the Issuer and the Indenture Trustee, the Issuer and the Indenture Trustee (when so directed
by an Issuer Request), may enter into one or more indentures supplemental hereto for the purpose of adding any provisions to, or changing
in any manner or eliminating any of the provisions of, this Indenture or of modifying in any manner the rights of the Noteholders under
this Indenture; <U>provided</U> that no such supplemental indenture shall, without the consent of the Holder of each Outstanding Note
affected thereby and ten (10) days&#8217; prior notice by the Issuer to the Rating Agency:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; change the coin
or currency in which, any Note or the interest thereon is payable, reduce the interest rate or principal amount of any Note, delay the
Final Scheduled Payment Date of any Note or reduce the Redemption Price of any Note;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; reduce the percentage
of the Note Balance, the consent of the Holders of which is required for any such supplemental indenture, or the consent of the Holders
of which is required for any waiver of compliance with certain provisions of this Indenture or certain defaults hereunder and their consequences
provided for in this Indenture;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; modify or
alter the provisions of the proviso to the definition of the term &#8220;<U>Outstanding</U>&#8221;;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; reduce the
percentage of the Note Balance, the consent of the Holders of which is required to direct the Indenture Trustee to direct the Issuer to
sell or liquidate the Collateral pursuant to <U>Section 5.4</U> if the proceeds of such sale would be insufficient to pay the Note Balance
plus accrued but unpaid interest on the Outstanding Notes;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; modify
any provision of this <U>Section 9.2</U> in any respect materially adverse to the interests of the Noteholders;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp; permit the
creation of any Lien ranking prior to or on a parity with the lien of this Indenture with respect to any part of the Collateral or, except
as otherwise permitted or contemplated herein or in the Transaction Documents, terminate the lien of this Indenture on any property at
any time subject hereto or deprive any Noteholder of the security provided by the lien of this Indenture;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8.05pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.05pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp; impair the
right to institute suit for the enforcement of payment as provided in <U>Section 5.7</U>; or</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(viii)&nbsp;&nbsp;&nbsp; modify or
alter the provisions of this Indenture regarding the voting of Notes held by the Issuer, the Depositor, the Servicer, the Administrator
or any of their Affiliates.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
It shall not be necessary for any Act of Noteholders under this <U>Section 9.2</U> to approve the particular form of any proposed supplemental
indenture, but it shall be sufficient if such Act shall approve the substance thereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the execution of any such supplemental indenture, the Issuer shall provide written notification of the substance of such supplemental
indenture to the Rating Agency and the Owner Trustee; and promptly after the execution of any such supplemental indenture, the Issuer
shall furnish a copy of such supplemental indenture to the Rating Agency, the Owner Trustee, the Backup Servicer, the Calculation Agent,
the Paying Agent, the Note Registrar and the Indenture Trustee; <U>provided</U>, that no supplemental indenture pursuant to this <U>Section
9.2</U> shall be effective which affects the rights, protections, immunities, indemnities or duties of the Indenture Trustee, the Backup
Servicer, the Calculation Agent, the Paying Agent, the Note Registrar or the Owner Trustee without the prior written consent of such Person
(which consent shall not be unreasonably withheld or delayed).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Promptly after the execution by the Issuer and the Indenture Trustee of any supplemental indenture pursuant to this <U>Section 9.2</U>,
the Indenture Trustee shall deliver to the</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">Noteholders a copy of such amendment or
supplemental indenture. Any failure of the Indenture Trustee to mail such amendment or supplemental indenture, or any defect therein,
shall not, however, in any way impair or affect the validity of any such supplemental indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding subsection (a) of this <U>Section 9.2</U>, this Indenture may only be amended by the Issuer and the Indenture Trustee
if (i) the Certificateholders consent to such supplemental indenture or (ii) such supplemental indenture shall not, as evidenced by an
Officer&#8217;s Certificate of the Depositor or an Opinion of Counsel delivered to the Indenture Trustee and the Owner Trustee, materially
and adversely affect the interests of the Certificateholders. It will not be necessary to obtain the consent of the Certificateholders
to approve the particular form of any proposed supplemental indenture, but it will be sufficient if such consent approves the substance
thereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 9.3 <I>Execution of Supplemental
Indentures</I>. In executing, or permitting the additional trusts created by, any supplemental indenture permitted by this <U>Article
IX</U> or the modifications thereby of the trusts created by this Indenture, the Indenture Trustee shall be entitled to receive, and subject
to <U>Sections 6.1</U> and <U>6.2</U>, shall be fully protected in relying upon, an Opinion of Counsel stating that the execution of such
supplemental indenture is authorized or permitted by this Indenture and that all conditions precedent to the execution of the supplemental
indenture have been met. The Indenture Trustee and the Owner Trustee may, but shall not be obligated to, enter into any such supplemental
indenture that affects the Indenture Trustee&#8217;s or the Owner Trustee&#8217;s own rights, duties, liabilities or immunities under
this Indenture or otherwise.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 9.4 <I>Effect of Supplemental
Indenture</I>. Upon the execution of any supplemental indenture pursuant to the provisions hereof, this Indenture shall be and be deemed
to be modified and amended in accordance therewith with respect to the Notes affected thereby, and the respective rights, limitations
of rights, obligations, duties, liabilities and immunities under this Indenture of the Indenture Trustee, the Issuer and the Noteholders
shall thereafter be determined, exercised and enforced hereunder subject in all respects to such modifications and amendments, and all
the terms and conditions of any such supplemental indenture shall be and be deemed to be part of the terms and conditions of this Indenture
for any and all purposes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 9.5 <I>Reference in Notes to Supplemental
Indentures</I>. Notes authenticated and delivered after the execution of any supplemental indenture pursuant to this <U>Article IX</U>
may, and if required by the Indenture Trustee shall, bear a notation in form approved by the Indenture Trustee as to any matter provided
for in such supplemental indenture. If the Issuer or the Indenture Trustee shall so determine, new Notes so modified as to conform, in
the opinion of the Indenture Trustee and the Issuer, to any such supplemental indenture may be prepared and executed by the Issuer and
authenticated and delivered by the Indenture Trustee in exchange for Outstanding Notes.</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt; margin: 0pt 168.95pt 0pt 165.9pt"></P>

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<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE X</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">REDEMPTION
OF NOTES</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">SECTION 10.1 <I>Redemption</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each of the Notes is subject to redemption in whole, but not in part, at the direction of the Seller pursuant to Section 8.1 of the Sale
and Servicing Agreement, on any Payment Date on which the Seller (or its designee) exercises its option to purchase the Receivables, the
Receivable Files and the Related Security thereto pursuant to said Section 8.1.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each of the Notes is subject to redemption in whole, but not in part, on any Payment Date on which the sum of the amount of cash or other
immediately available funds on deposit in the Reserve Account and the remaining Available Funds after the payments under clauses <I>first
</I>through <I>sixth</I> of Section 4.4(a) of the Sale and Servicing Agreement would be sufficient to pay in full the aggregate unpaid
Note Balance of all of the Outstanding Notes as determined by the Servicer. On such Payment Date, (i) the Indenture Trustee, upon written
direction from the Servicer (or its designee), shall transfer all amounts on deposit in the Reserve Account to the Collection Account,
(ii) the Outstanding Notes shall be redeemed in whole, but not in part and (iii) the Notes shall be deemed to be due and payable on such
Payment Date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If the Notes are to be redeemed pursuant to <U>Sections 10.1(a)</U> or <U>10.1(b</U>), the Administrator shall provide at least ten (10)
days&#8217; prior notice of the redemption of the Notes to the Indenture Trustee, the Issuer and the Owner Trustee, and the Indenture
Trustee shall provide prompt (but not later than five (5) days&#8217; prior to the applicable Redemption Date) notice thereof to the Noteholders.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 10.2 <I>Form of Redemption Notice</I>.
Notice of redemption under <U>Section 10.1</U> shall be given by the Indenture Trustee by facsimile or by first-class mail, postage prepaid,
transmitted or mailed prior to the applicable Redemption Date to each Holder of Notes as of the close of business on the Record Date preceding
the applicable Redemption Date, at such Holder&#8217;s address appearing in the Note Register.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 77pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0in">All notices of redemption shall state:</P>

<P STYLE="margin: 0pt 0 0pt 77pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (i)&nbsp;&nbsp;&nbsp; the Redemption Date;</P>



<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; the Redemption Price;</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; that the Record
Date otherwise applicable to such Redemption Date is not applicable and that payments shall be made only upon presentation and surrender
of such Notes, and the place where such Notes are to be surrendered for payment of the Redemption Price (which shall be the office or
agency of the Issuer to be maintained as provided in <U>Section 3.2</U>);</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; that interest
on the Notes shall cease to accrue on the Redemption Date; and</P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="margin: 0pt 7.85pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (v)&nbsp;&nbsp;&nbsp; the CUSIP numbers (if applicable) for such Notes.</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Notice of redemption of the Notes shall be
given by the Indenture Trustee at the written direction and at the expense of the Issuer. In addition, the Issuer shall notify the Rating
Agency upon redemption of the Notes. Failure to give notice of redemption, or any defect therein, to any Noteholder shall not impair or
affect the validity of the redemption of any Note.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 10.3 <I>Notes Payable on Redemption
Date</I>. The Notes to be redeemed shall, following notice of redemption as required by <U>Section 10.2</U> (in the case of redemption
pursuant to <U>Section 10.1</U>), on the Redemption Date become due and payable at the Redemption Price and (unless the Issuer shall default
in the payment of the Redemption Price) no interest shall accrue on the Redemption Price for any period after the date to which accrued
interest is calculated for purposes of calculating the Redemption Price.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt; margin: 0pt 189.1pt 0pt 186.3pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE XI</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">MISCELLANEOUS</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 11.1 <I>Compliance Certificates and Opinions, etc.</I></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon any application or request by the Issuer to the Indenture Trustee to take any action under any provision of this Indenture, the Issuer
shall furnish to the Indenture Trustee (i) an Officer&#8217;s Certificate stating that all conditions precedent, if any, provided for
in this Indenture relating to the proposed action have been complied with and that the same is authorized or permitted by this Indenture,
and (ii) an Opinion of Counsel stating that in the opinion of such counsel all such conditions precedent, if any, have been complied with
and that the proposed action is authorized or permitted by this Indenture, except that, in the case of any such application or request
as to which the furnishing of such documents is specifically required by any provision of this Indenture, no additional certificate or
opinion need be furnished.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Every certificate or opinion with respect
to compliance with a condition or covenant provided for in this Indenture shall include:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; a statement that
each signatory of such certificate or opinion has read or has caused to be read such covenant or condition and the definitions herein
relating thereto;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp; a brief
statement as to the nature and scope of the examination or investigation upon which the statements or opinions contained in such certificate
or opinion are based;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; a statement that,
in the opinion of each such signatory, such signatory has made such examination or investigation as is necessary to enable such signatory
to express an informed opinion as to whether or not such covenant or condition has been complied with; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; a statement as
to whether, in the opinion of each such signatory such condition or covenant has been complied with.</P>

<P STYLE="margin: 0pt 7.75pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(i) Prior to the deposit of any Collateral or other property or securities with the Indenture Trustee that is to be made the basis for
the release of any property or securities subject to the lien of this Indenture, the Issuer shall, in addition to any obligation imposed
in <U>Section 11.1(a)</U> or elsewhere in this Indenture, furnish to the Indenture Trustee an Officer&#8217;s Certificate certifying or
stating the opinion of each person signing such certificate as to the fair value (within 90 days of such deposit) to the Issuer of the
Collateral or other property or securities to be so deposited.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp; Whenever the
Issuer is required to furnish to the Indenture Trustee an Officer&#8217;s Certificate certifying or stating the opinion of any signer
thereof as to the matters described in <I>clause (i) </I>above, the Issuer shall also deliver to the Indenture Trustee an Independent
Certificate as to the same matters, if the fair value to the Issuer of the property or securities to be so deposited and of all other
such securities made the basis of any such withdrawal or release since the commencement of the then-current fiscal year of the Issuer,
as set forth in the certificates delivered pursuant to <U>clause (i)</U> and this <U>clause (ii)</U>, is 10% or more of the aggregate
Note Balance, but such a certificate need not be furnished with respect to any securities so deposited, if the fair value thereof to the
Issuer as set forth in the related Officer&#8217;s Certificate is less than $25,000 or less than one percent of the aggregate Note Balance.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; Other than as
contemplated by <U>Section 11.1(b)(v)</U>, whenever any property or securities are to be released from the lien of this Indenture, the
Issuer shall also furnish to the Indenture Trustee an Officer&#8217;s Certificate certifying or stating the opinion of each person signing
such certificate as to the fair value (within 90 days of such release) of the property or securities proposed to be released and stating
that in the opinion of such person the proposed release will not impair the security under this Indenture in contravention of the provisions
hereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; Whenever the
Issuer is required to furnish to the Indenture Trustee an Officer&#8217;s Certificate certifying or stating the opinion of any
signer thereof as to the matters described in <U>clause (iii)</U> above, the Issuer shall also furnish to the Indenture Trustee an
Independent Certificate as to the same matters if the fair value of the property or securities and of all other property other than
Purchased Receivables, or securities released from the lien of this Indenture since the commencement of the then current calendar
year, as set forth in the certificates required by <U>clause (iii)</U> above and this <U>clause (iv)</U>, equals 10% or more of the
aggregate Note Balance, but such certificate need not be furnished in the case of any release of property or securities if the fair
value thereof as set forth in the related Officer&#8217;s Certificate is less than $25,000 or less than one percent of the then
aggregate Note Balance.</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp; Notwithstanding <U>Section 2.9</U> or any other provision of
this <U>Section 11.1</U>, the Issuer may (A) collect, liquidate, sell or otherwise dispose of Receivables and Financed Vehicles as
and to the extent permitted or required by the Transaction Documents and (B) make cash payments out of the Trust Accounts as and to
the extent permitted or required by the Transaction Documents.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.2 <I>Form of Documents Delivered
to the Indenture Trustee</I>. In any case where several matters are required to be certified by, or covered by an opinion of, any specified
Person, it is not necessary that all such matters be certified by, or covered by the opinion of, only one such Person, or that they be
so certified or covered by only one document, but one such Person may certify or give an opinion with respect to some matters and one
or more other such Persons as to</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 7.7pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">other matters, and any such Person may certify
or give an opinion as to such matters in one or several documents.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Any certificate or opinion of an Authorized
Officer of the Issuer may be based, insofar as it relates to legal matters, upon a certificate or opinion of, or representations by, counsel,
unless such officer knows, or in the exercise of reasonable care should know, that the certificate or opinion or representations with
respect to the matters upon which his or her certificate or opinion is based are erroneous. Any such certificate of an Authorized Officer
or Opinion of Counsel may be based, insofar as it relates to factual matters, upon a certificate or opinion of, or representations by,
an officer or officers of the Servicer, the Seller, the Administrator or the Issuer, stating that the information with respect to such
factual matters is in the possession of the Servicer, the Seller, the Administrator or the Issuer, unless such counsel knows, or in the
exercise of reasonable care should know, that the certificate or opinion or representations with respect to such matters are erroneous.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Where any Person is required to make,
give or execute two or more applications, requests, consents, certificates, statements, opinions or other instruments under this Indenture,
they may, but need not, be consolidated and form one instrument.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Whenever in this Indenture, in connection
with any application or certificate or report to the Indenture Trustee, it is provided that the Issuer shall deliver any document as a
condition of the granting of such application, or as evidence of the Issuer&#8217;s compliance with any term hereof, it is intended that
the truth and accuracy, at the time of the granting of such application or at the effective date of such certificate or report (as the
case may be), of the facts and opinions stated in such document shall in such case be conditions precedent to the right of the Issuer
to have such application granted or to the sufficiency of such certificate or report. The foregoing shall not, however, be construed to
affect the Indenture Trustee&#8217;s right to rely upon the truth and accuracy of any statement or opinion contained in any such document
as provided in <U>Article VI</U>.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">SECTION 11.3 <I>Acts of Noteholders</I>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any request, demand, authorization, direction, notice, consent, waiver or other action provided by this Indenture to be given or taken
by Noteholders may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by such Noteholders in
person or by agents duly appointed in writing; and except as herein otherwise expressly provided such action shall become effective when
such instrument or instruments are delivered to the Indenture Trustee, and, where it is hereby expressly required, to the Issuer. Such
instrument or instruments (and the action embodied therein and evidenced thereby) are herein sometimes referred to as the &#8220;<U>Act</U>&#8221;
of the Noteholders signing such instrument or instruments. Proof of execution of any such instrument or of a writing appointing any such
agent shall be sufficient for any purpose of this Indenture and (subject to <U>Section 6.1</U>) conclusive in favor of the Indenture Trustee
and the Issuer, if made in the manner provided in this <U>Section 11.3</U>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The fact and date of the execution by any Person of any such instrument or writing may be proved in any manner that the Indenture Trustee
deems sufficient.</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"> (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The ownership of Notes shall be proved by the Note Register.</P>

<P STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any request, demand, authorization, direction, notice, consent, waiver or other action by any Noteholder shall bind the Holder of every
Note issued upon the registration thereof or in exchange therefor or in lieu thereof, in respect of anything done, omitted or suffered
to be done by the Indenture Trustee or the Issuer in reliance thereon, whether or not notation of such action is made upon such Note.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.4 <I>Notices</I>. All demands,
notices and communications hereunder shall be in writing and shall be delivered or mailed by registered or certified first-class United
States mail, postage prepaid, hand delivery, prepaid courier service, or by facsimile or by electronic transmission, and addressed in
each case as specified on Schedule I to the Sale and Servicing Agreement or at such other address as shall be designated by any of the
specified addressees in a written notice to the other parties hereto. Any notice required or permitted to be mailed to a Noteholder shall
be given by first class mail, postage prepaid, at the address of such Noteholder as shown in the Note Register. Delivery shall occur only
upon receipt or reported tender of such communication by an officer of the recipient entitled to receive such notices located at the address
of such recipient for notices hereunder; provided, however, that any notice to a Noteholder mailed within the time and manner prescribed
in this Indenture shall be conclusively presumed to have been duly given, whether or not the Noteholder shall receive such notice.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.5 <I>Notices to Noteholders;
Waiver</I>. Where this Indenture provides for notice to Noteholders of any event, such notice shall be sufficiently given (unless otherwise
herein expressly provided) if in writing and mailed, first-class, postage prepaid or via electronic transmission to each Noteholder affected
by such event, at his address as it appears on the Note Register, not later than the latest date, and not earlier than the earliest date,
prescribed for the giving of such notice. In any case where notice to Noteholders is given by mail, neither the failure to mail such notice
nor any defect in any notice so mailed to any particular Noteholder shall affect the sufficiency of such notice with respect to other
Noteholders, and any notice that is mailed in the manner herein provided shall conclusively be presumed to have been duly given.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Where this Indenture provides for notice
in any manner, such notice may be waived in writing by any Person entitled to receive such notice, either before or after the event, and
such waiver shall be the equivalent of such notice. Waivers of notice by Noteholders shall be filed with the Indenture Trustee but such
filing shall not be a condition precedent to the validity of any action taken in reliance upon such a waiver.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">In case, by reason of the suspension of
regular mail service as a result of a strike, work stoppage or similar activity, it shall be impractical to mail notice of any event to
Noteholders when such notice is required to be given pursuant to any provision of this Indenture, then any manner of giving such notice
as shall be satisfactory to the Indenture Trustee shall be deemed to be a sufficient giving of such notice.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Where this Indenture provides for notice
to the Rating Agency, failure to give such notice shall not affect any other rights or obligations created hereunder, and shall not under
any circumstance constitute a Default or an Event of Default.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.6 <I>Alternate Payment and Notice
Provisions</I>. Notwithstanding any provision of this Indenture or any of the Notes to the contrary, the Issuer may enter into any agreement
with</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.8pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">any Noteholder providing for a method of
payment, or notice by the Indenture Trustee or any Paying Agent to such Noteholder, that is different from the methods provided for in
this Indenture for such payments or notices, provided that such methods are reasonable and consented to by the Indenture Trustee (which
consent shall not be unreasonably withheld). The Issuer will furnish to the Indenture Trustee a copy of each such agreement and the Indenture
Trustee will cause payments to be made and notices to be given in accordance with such agreements.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.7 <I>Information Requests</I>.
The parties hereto shall provide any information reasonably requested by the Servicer, the Issuer, the Seller or any of their Affiliates,
in order to comply with or obtain more favorable treatment under any current or future law, rule, regulation, accounting rule or principle.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.05pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.8 <I>Effect of Headings and
Table of Contents</I>. The article and section headings herein and the Table of Contents have been inserted for convenience only and shall
not be construed to affect the meaning, construction or effect of this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.9 <I>Successors and Assigns</I>.
All covenants and agreements in this Indenture and the Notes by the Issuer shall bind its successors and assigns, whether so expressed
or not. All agreements of the Indenture Trustee in this Indenture shall bind its successors.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.10 <I>Separability</I>. In
case any provision in this Indenture or in the Notes shall be invalid, illegal or unenforceable, the validity, legality, and enforceability
of the remaining provisions shall not in any way be affected or impaired thereby.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.11 <I>Benefits of Indenture</I>.
Nothing in this Indenture or in the Notes, express or implied, shall give to any Person, other than the parties hereto and their successors
hereunder, the Noteholders, the Certificateholders, the Owner Trustee, the Backup Servicer, the Calculation Agent and any other party
secured hereunder, and any other Person with an ownership interest in any part of the Collateral, any benefit or any legal or equitable
right, remedy or claim under this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.12 <I>Legal Holidays</I>. In
any case where the date on which any payment is due shall not be a Business Day, then (notwithstanding any other provision of the Notes
or this Indenture) payment need not be made on such date, but may be made on the next succeeding Business Day with the same force and
effect as if made on the date on which nominally due, and no interest shall accrue for the period from and after any such nominal date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.13 <I>GOVERNING LAW; Submission
to Jurisdiction; Waiver of Jury Trial. </I><B>THIS INDENTURE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL, SUBSTANTIVE
LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE RULES THERETOFORE RELATING TO CONFLICTS OF LAW, OTHER THAN SECTIONS 5-1401 AND
5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW, AND THE OBLIGATIONS, RIGHTS AND</B></P>

<P STYLE="margin: 0pt 7.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; margin: 0pt 7.7pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; font-weight: bold; text-align: left">REMEDIES&#9;OF&#9;THE&#9;PARTIES&#9;HEREUNDER&#9;SHALL&#9;BE
DETERMINED&#9;IN ACCORDANCE WITH SUCH LAWS.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each of the parties hereto, and each Noteholder or Note Owner, by acceptance of a Note, hereby irrevocably and unconditionally:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp; submits for itself
and its property in any Proceeding relating to this Indenture or any documents executed and delivered in connection herewith, or for recognition
and enforcement of any judgment in respect thereof, to the nonexclusive general jurisdiction of the courts of the State of New York, the
courts of the United States of America for the Southern District of New York and appellate courts from any thereof;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp; consents that
any such Proceeding may be brought and maintained in such courts and waives any objection that it may now or hereafter have to the venue
of such Proceeding in any such court or that such Proceeding was brought in an inconvenient court and agrees not to plead or claim the
same;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp; agrees that
service of process in any such Proceeding may be effected by mailing a copy thereof by registered or certified mail (or any substantially
similar form of mail), postage prepaid, to such Person at its address determined in accordance with <U>Section 11.4</U> of this Indenture;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp; agrees that
nothing herein shall affect the right to effect service of process in any other manner permitted by law or shall limit the right to sue
in any other jurisdiction; and</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 99.55pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 99.55pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp; <B>to the
extent permitted by applicable law, each party hereto, and each Noteholder or Note Owner, by acceptance of a Note, irrevocably waives
all right of trial by jury in any Proceeding or counterclaim based on, or arising out of, under or in connection with this Indenture,
any other Transaction Document, or any matter arising hereunder or thereunder</B>.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.14 <I>Counterparts and Electronic
Signature</I>. This Indenture shall be valid, binding, and enforceable against a party only when executed by an authorized individual
on behalf of the party by means of (i) an electronic signature that complies with the federal Electronic Signatures in Global and National
Commerce Act, state enactments of the Uniform Electronic Transactions Act, and/or any other relevant electronic signatures law, in each
case to the extent applicable; (ii) an original manual signature; or (iii) a faxed, scanned, or photocopied manual signature. Each electronic
signature or faxed, scanned, or photocopied manual signature shall for all purposes have the same validity, legal effect, and admissibility
in evidence as an original manual signature. Each party hereto shall be entitled to conclusively rely upon, and shall have no liability
with respect to, any electronic signature or faxed, scanned, or photocopied manual signature of any other party and shall have no duty
to investigate, confirm or otherwise verify the validity or authenticity thereof. This Indenture may be executed in any number of counterparts,
each of which shall be deemed to be an original, but such counterparts shall, together, constitute only one instrument. Notwithstanding
the foregoing, with respect to any notice provided for in</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.95pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">this Indenture or any instrument required
or permitted to be delivered hereunder, any party hereto receiving or relying upon such notice or instrument shall be entitled to request
execution thereof by original manual signature as a condition to the effectiveness thereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.15 <I>Recording of Indenture</I>.
If this Indenture is subject to recording in any appropriate public recording offices, such recording is to be effected by the Issuer
and at its expense accompanied by an Opinion of Counsel to the effect that such recording is necessary either for the protection of the
Noteholders or any other Person secured hereunder or for the enforcement of any right or remedy granted to the Indenture Trustee under
this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.16 <I>Trust Obligation</I>.
Each Noteholder or Note Owner, by acceptance of a Note, or, in the case of a Note Owner of a beneficial interest in a Note, by accepting
the benefits of this Indenture, covenants and agrees that no recourse may be taken, directly or indirectly, with respect to the obligations
of the Issuer or the Indenture Trustee on the Notes or under this Indenture or any certificate or other writing delivered in connection
herewith or therewith, against (i) the Indenture Trustee, the Paying Agent, the Calculation Agent or the Owner Trustee in their respective
individual capacities, (ii) any Certificateholder or any other owner of a beneficial interest in the Issuer, (iii) the Servicer, the Administrator
or the Seller or (iv) any partner, owner, beneficiary, agent, officer, director, employee, successor or assign of any Person described
in <U>clauses (i)</U>, <U>(ii)</U> and <U>(iii)</U> above, except as any such Person may have expressly agreed (it being understood that
the Indenture Trustee, the Paying Agent, the Calculation Agent and the Owner Trustee have no such obligations in their individual capacity)
and except that any such partner, owner or beneficiary shall be fully liable, to the extent provided by applicable law, for any unpaid
consideration for stock, unpaid capital contribution or failure to pay any installment or call owing to such entity.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.17 <I>No Petition</I>. The Indenture
Trustee, by entering into this Indenture, and each Noteholder and Note Owner, by accepting a Note or, in the case of a Note Owner, a beneficial
interest in a Note, hereby covenants and agrees that prior to the date which is one year and one day after payment in full of all obligations
of each Bankruptcy Remote Party in respect of all securities issued by the Bankruptcy Remote Parties, (i) such party shall not authorize
any Bankruptcy Remote Party to commence a voluntary winding-up or other voluntary case or other Proceeding seeking liquidation, reorganization
or other relief with respect to such Bankruptcy Remote Party or its debts under any bankruptcy, insolvency or other similar law now or
hereafter in effect in any jurisdiction or seeking the appointment of an administrator, a trustee, receiver, liquidator, custodian or
other similar official with respect to such Bankruptcy Remote Party or any substantial part of its property or to consent to any such
relief or to the appointment of or taking possession by any such official in an involuntary case or other Proceeding commenced against
such Bankruptcy Remote Party, or to make a general assignment for the benefit of, its creditors generally, any party hereto or any other
creditor of such Bankruptcy Remote Party, and (ii) such party shall not commence, join with any other Person in commencing or institute,
with any other Person, any Proceeding against such Bankruptcy Remote Party under any bankruptcy, reorganization, arrangement, liquidation
or insolvency law or statute now or hereafter in effect in any jurisdiction.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.18 <I>Intent</I>.It is the intent
of the Issuer that the Notes constitute indebtedness for all financial accounting purposes and the Issuer agrees and each purchaser of
a Note (by virtue</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 7.7pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">of the acquisition of such Note or an interest
therein) shall be deemed to have agreed, to treat the Notes as indebtedness for all financial accounting purposes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(b) It is the intent of the Issuer that
the Notes (other than any Notes that are owned during any period of time by either the Issuer or a Person that is considered the same
Person as the Issuer for United States federal income tax purposes) constitute indebtedness for all tax purposes and the Issuer agrees
and each purchaser of a Note (by virtue of the acquisition of such Note or an interest therein) shall be deemed to have agreed to treat
the Notes as indebtedness for all federal, state and local income, franchise and value added tax purposes.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.19 <I>Subordination of
Claims</I>. The Issuer&#8217;s obligations under this Indenture are obligations solely of the Issuer and will not constitute a claim
against the Seller to the extent that the Issuer does not have funds sufficient to make payment of such obligations. In furtherance
of and not in derogation of the foregoing, each of the Owner Trustee (in its individual capacity and as the Owner Trustee), by
accepting the benefits of this Indenture, a Certificateholder, by accepting a Certificate (or any portion thereof), and the
Indenture Trustee (in its individual capacity and as Indenture Trustee), by entering into this Indenture, and each Noteholder, and
each Note Owner, by accepting the benefits of this Indenture, hereby acknowledges and agrees that such Person has no right, title or
interest in or to the Other Assets of the Seller. To the extent that, notwithstanding the agreements and provisions contained in the
preceding sentence, each of the Owner Trustee, the Indenture Trustee, each Noteholder or Note Owner and any Certificateholder either
(i) asserts an interest or claim to, or benefit from, Other Assets, or (ii) is deemed to have any such interest, claim to, or
benefit in or from Other Assets, whether by operation of law, legal process, pursuant to applicable provisions of insolvency laws or
otherwise (including by virtue of Section 1111(b) of the Bankruptcy Code or any successor provision having similar effect under the
Bankruptcy Code), then such Person further acknowledges and agrees that any such interest, claim or benefit in or from Other Assets
is and will be expressly subordinated to the indefeasible payment in full, which, under the terms of the relevant documents relating
to the securitization or conveyance of such Other Assets, are entitled to be paid from, entitled to the benefits of, or otherwise
secured by such Other Assets (whether or not any such entitlement or security interest is legally perfected or otherwise entitled to
a priority of distributions or application under applicable law, including insolvency laws, and whether or not asserted against the
Seller), including the payment of post- petition interest on such other obligations and liabilities. This subordination agreement
will be deemed a subordination agreement within the meaning of Section 510(a) of the Bankruptcy Code. Each of the Indenture Trustee
(in its individual capacity and as the Indenture Trustee), by entering into or accepting this Indenture, a Certificateholder, by
accepting a Certificate, and the Owner Trustee and each Noteholder or Note Owner, by accepting the benefits of this Indenture,
hereby further acknowledges and agrees that no adequate remedy at law exists for a breach of this <U>Section 11.19</U> and the terms
of this <U>Section 11.19</U> may be enforced by an action for specific performance. The provisions of this <U>Section 11.19</U> will
be for the third party benefit of those entitled to rely thereon and will survive the termination of this Indenture.</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">SECTION 11.20 <I>Limitation of Liability
of Owner Trustee</I>. It is expressly understood and agreed by the parties that (a) this Indenture is executed and delivered by BNY Mellon
Trust of Delaware, not individually or personally, but solely as Owner Trustee of the Issuer in the exercise of the powers and authority
conferred and vested in it, pursuant to the Trust Agreement, (b) each of the representations, warranties, covenants, undertakings and
agreements herein made on the part</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.7pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">of the Issuer is made and intended not as
personal representations, warranties, covenants undertakings and agreements by BNY Mellon Trust of Delaware but is made and intended for
the purpose of binding only the Issuer, (c) nothing herein contained shall be construed as creating any liability on BNY Mellon Trust
of Delaware, individually or personally, to perform any covenant either expressed or implied contained herein, all such liability, if
any, being expressly waived by the parties hereto and by any Person claiming by, through or under the parties hereto, (d) BNY Mellon Trust
of Delaware has made no investigation as to the accuracy or completeness of any representations or warranties made by the Owner Trustee
or the Issuer in this Indenture and (e) under no circumstances shall BNY Mellon Trust of Delaware be personally liable for the payment
of any indebtedness or expenses of the Issuer or be liable for the breach or failure of any obligation, representation, warranty or covenant
made or undertaken by the Issuer under this Indenture or under the Notes or any of the other Transaction Documents or in any of the certificates,
notices or agreements delivered pursuant thereto, as to all of which recourse shall be had solely to the assets of the Issuer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.21 <I>AML Law</I>. In order
to comply with the laws, rules, regulations and executive orders in effect from time to time applicable to banking institutions, including,
without limitation, those relating to the funding of terrorist activities and money laundering, including Section 326 of the USA PATRIOT
Act of 2001 as amended from time to time (&#8220;<U>AML Law</U>&#8221;), the Indenture Trustee is required to obtain, verify, record and
update certain information relating to individuals and entities which maintain a business relationship with the Indenture Trustee. Accordingly,
each of the parties to this Indenture agrees to provide to the Indenture Trustee upon its request from time to time such identifying information
and documentation as may be available for such party in order to enable the Indenture Trustee to comply with AML Law.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">SECTION 11.22 <I>Severability of Provisions</I>.
If any one or more of the covenants, agreements, provisions or terms of this Indenture shall be for any reason whatsoever held invalid,
then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or
terms of this Indenture and shall in no way affect the validity or enforceability of the other provisions of this Indenture.</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin: 0pt 118.1pt 0pt 1.6in">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; text-align: center; text-indent: 0in">[Remainder of Page Intentionally Left
Blank]</P>

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<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the Issuer and the
Indenture Trustee have caused this Indenture to be duly executed by their respective officers, thereunto duly authorized, all as of the
day and year first above written.</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">ACM AUTO TRUST 2025-2</TD></TR>
  <TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">By: BNY MELLON TRUST OF DELAWARE, not</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">in its individual capacity but solely as Owner Trustee</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">By:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">/s/ Dawn Plows</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Name:&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Dawn Plows</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Title:&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Associate</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">DEUTSCHE BANK NATIONAL TRUST</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: left">COMPANY<FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400">, a national banking association, not in its individual capacity but solely as the Indenture Trustee</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">By:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">/s/ Ronaldo Reyes</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Name:&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Ronaldo Reyes</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Title:&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Vice President</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">By:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">/s/ Timothy Johnson</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Name:&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Timothy Johnson</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Title:&nbsp;&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Assistant Vice President</TD></TR>
  </TABLE>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>


<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: 358.2pt; margin: 0pt 0 0pt 41.1pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41.1pt; font-size: 10pt; font-weight: bold; text-align: left; text-indent: 358.2pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: right">SCHEDULE I</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">PERFECTION
REPRESENTATIONS, WARRANTIES AND COVENANTS</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">In addition to the representations, warranties
and covenants contained in this Indenture, the Issuer hereby represents, warrants, and covenants to the Indenture Trustee as follows on
the Closing Date:</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><U>General</U></P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 5pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This Indenture creates a valid and continuing security interest (as defined in the applicable UCC) in the Receivables and the other Collateral
in favor of the Indenture Trustee, which security interest is prior to all other Liens, and is enforceable as such as against creditors
of and purchasers from the Issuer.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 8.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.05pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Receivables constitute &#8220;tangible chattel paper,&#8221; &#8220;accounts,&#8221; &#8220;instruments&#8221; or &#8220;general intangibles,&#8221;
within the meaning of the UCC.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each Receivable is secured by a first priority validly perfected security interest in the related Financed Vehicle in favor of the Originator
(or its assignee), as secured party, or all necessary actions with respect to such Receivable have been taken or will be taken to perfect
a first priority security interest in the related Financed Vehicle in favor of the Originator (or its assignee), as secured party.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each Trust Account constitutes either a &#8220;deposit account&#8221; or a &#8220;securities account&#8221; within the meaning of the
UCC.</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><U>Creation</U></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Immediately prior to the sale, transfer, assignment and conveyance of a Receivable by the Seller to the Issuer, the Seller owned and had
good and marketable title to such Receivable free and clear of any Lien created by the Seller or the Originators (except any Lien which
will be released prior to assignment of such Receivable under the Sale and Servicing Agreement), and immediately after the sale, transfer,
assignment and conveyance of such Receivable to the Issuer, the Issuer will have good and marketable title to such Receivable free and
clear of any Lien created by the Seller or the Originators (other than Permitted Liens).</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><U>Perfection</U></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer has caused or will have caused, within ten days after the effective date of this Indenture, the filing of all appropriate financing
statements in the proper filing office in the appropriate jurisdictions under applicable law in order to perfect the security interest
in the Receivables granted to the Indenture Trustee hereunder; and the Servicer, in its capacity as custodian, has in its possession the
original copies of such instruments or tangible chattel paper that constitute or evidence the Receivables, and all financing statements
referred to in this paragraph contain a statement that: &#8220;A purchase of or security interest in any collateral described in this
financing statement will violate the rights of the Secured Party&#8221;.</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in"> 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
With respect to Receivables that constitute instruments or tangible chattel paper, either:</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 8.05pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.05pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">(i)&nbsp;&nbsp;&nbsp; all original executed
copies of each such instrument or tangible chattel paper have been delivered to the Indenture Trustee, as pledgee of the Issuer; or</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.8pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">(ii)&nbsp;&nbsp;&nbsp; such instruments
or tangible chattel paper are in the possession of the Servicer and the Indenture Trustee has received a written acknowledgment from the
Servicer that the Servicer, in its capacity as custodian, is holding such instruments or tangible chattel paper solely on behalf and for
the benefit of the Indenture Trustee, as pledgee of the Issuer; or</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">(iii)&nbsp;&nbsp;&nbsp;&nbsp; the Servicer
received possession of such instruments or tangible chattel paper after the Indenture Trustee received a written acknowledgment from the
Servicer that the Servicer is acting solely as agent of the Indenture Trustee, not in its individual capacity but solely as Indenture
Trustee, as pledgee of the Issuer.</P>

<P STYLE="margin: 0pt 7.85pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in"> 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
With respect to the Trust Accounts that constitute deposit accounts, either:</P>



<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">(i)&nbsp; the Issuer has delivered to the
Indenture Trustee a fully executed agreement pursuant to which the bank maintaining the deposit accounts has agreed to comply with all
instructions originated by the Indenture Trustee directing disposition of the funds in such Trust Accounts without further consent by
the Issuer; or</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.8pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">(ii)&nbsp;&nbsp; the Issuer has taken all
steps necessary to cause the Indenture Trustee to become the account holder of such Trust Accounts.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
With respect to the Trust Accounts that constitute securities accounts or securities entitlements, either:</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">(i)&nbsp; the Issuer has delivered to the
Indenture Trustee a fully executed agreement pursuant to which the securities intermediary has agreed to comply with all instructions
originated by the Indenture Trustee relating to such Trust Accounts without further consent by the Issuer; or</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 41pt; font-size: 10pt; text-align: justify; text-indent: 0in">(ii)&nbsp; the Issuer has taken all steps
necessary to cause the securities intermediary to identify in its records the Indenture Trustee as the person having a security entitlement
against the securities intermediary in each of such Trust Accounts.</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><U>Priority</U></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer has not authorized the filing of, and is not aware of, any financing statements against the Issuer that include a description
of collateral covering the Receivables other than any financing statement (i) relating to the conveyance of the Receivables by Colonial
to the Seller under the Purchase Agreement, (ii) relating to the conveyance of the Receivables by the Seller to the Issuer under the Sale
and Servicing Agreement, (iii) relating to the security interest granted by the Issuer to the Indenture Trustee under this Indenture or
(iv) that has been terminated.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer is not aware of any material judgment, ERISA or tax lien filings against the Issuer.</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.95pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
None of the instruments or tangible chattel paper that constitute or evidence the Receivables has any marks or notations indicating that
they have been pledged, assigned or otherwise conveyed to any Person other than the Issuer or the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
No Trust Account that constitutes a securities account or securities entitlement is in the name of any Person other than the Issuer or
the Indenture Trustee. The Issuer has not consented to the securities intermediary of any such Trust Account to comply with entitlement
orders of any Person other than the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
No Trust Account that constitutes a deposit account is in the name of any Person other than the Issuer or the Indenture Trustee. The Issuer
has not consented to the bank maintaining such Trust Account to comply with instructions of any Person other than the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><U>Survival of Perfection Representations</U></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding any other provision of this Indenture or any other Transaction Document, the perfection representations, warranties and
covenants contained in this <U>Schedule I</U> shall be continuing, and remain in full force and effect until such time as all obligations
under this Indenture have been finally and fully paid and performed.</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><U>No Waiver</U></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer shall provide the Rating Agency with prompt written notice of any material breach of the perfection representations, warranties
and covenants contained in this <U>Schedule I</U>, and shall not, without satisfying the Rating Agency Condition, waive a breach of any
of such perfection representations, warranties or covenants.</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin-top: 0pt; margin-bottom: 0pt"><U>Issuer to Maintain Perfection and Priority</U></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer covenants that, in order to evidence the interests of the Indenture Trustee under this Indenture, the Issuer shall take such
action, or execute and deliver such instruments as may be necessary or advisable (including, without limitation, such actions as are requested
by the Indenture Trustee) to maintain and perfect, as a first priority interest, the Indenture Trustee&#8217;s security interest in the
Receivables. The Issuer shall, from time to time and within the time limits established by law, prepare and file, all financing statements,
amendments, continuations, initial financing statements in lieu of a continuation statement, terminations, partial terminations, releases
or partial releases, or any other filings necessary or advisable to continue, maintain and perfect the Indenture Trustee&#8217;s security
interest in the Receivables as a first-priority interest.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: left"></P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; font-weight: bold; text-align: right">EXHIBIT A</P>
<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><B><U>FORM OF [144A][ACCREDITED INVESTOR]</U></B></P>

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt"><B><U>CLASS [A] [B]
NOTES</U></B></P>
<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt">REGISTERED</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt">No. R-____</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>




<P STYLE="text-align: right; margin: 0pt 0; font-size: 10pt">$_________________________________<SUP>1</SUP></P>

<P STYLE="font-size: 10pt; text-align: right; text-indent: 117pt; margin: 0pt 5.15pt 0pt 179pt">144A CUSIP NO. _________________</P>

<P STYLE="margin: 0pt 5.15pt 0pt 179pt; font-size: 10pt; text-align: right; text-indent: 117pt">[ACCREDITED
INVESTOR CUSIP NO:  _________________]</P>

<P STYLE="font-size: 10pt; text-align: right; text-indent: 0in; margin: 0pt 5.25pt 0pt 0">ISIN.  _________________</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED
REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (&#8220;DTC&#8221;), TO THE ISSUER OR ITS AGENT FOR REGISTRATION
OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE &amp; CO. OR IN SUCH OTHER NAME AS IS REQUESTED
BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE &amp; CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE
REGISTERED OWNER HEREOF, CEDE &amp; CO., HAS AN INTEREST HEREIN.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">THIS NOTE OR ANY INTEREST HEREIN HAS NOT
BEEN AND WILL NOT BE REGISTERED UNDER THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED (THE &#8220;SECURITIES ACT&#8221;) OR THE SECURITIES
LAWS OF ANY STATE OF THE UNITED STATES, AND THE ISSUER HAS NOT BEEN REGISTERED UNDER THE UNITED STATES INVESTMENT COMPANY ACT OF 1940,
AS AMENDED (THE &#8220;INVESTMENT COMPANY ACT&#8221;). THIS NOTE OR ANY INTEREST HEREIN MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE
TRANSFERRED, EXCEPT (A) (1) TO A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A UNDER THE SECURITIES ACT (A &#8220;QUALIFIED
INSTITUTIONAL BUYER&#8221;) WHO IS EITHER PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER, OR (2)
SOLELY IN THE CASE OF AN INITIAL INVESTOR IN THIS NOTE, TO AN INSTITUTIONAL &#8220;ACCREDITED INVESTOR&#8221; WITHIN THE MEANING OF RULE
501(a)(1), (2), (3) OR (7) OF REGULATION D OF THE SECURITIES ACT, IN EACH CASE, IN A PRINCIPAL AMOUNT OF NOT LESS THAN $100,000 AND IN
GREATER WHOLE NUMBER DENOMINATIONS OF $1,000 IN EXCESS THEREOF (EXCEPT FOR ONE SUCH NOTE WHICH MAY BE ISSUED IN INTEGRAL MULTIPLES IN
EXCESS THEREOF OF OTHER THAN $1,000) FOR THE PURCHASER AND FOR EACH SUCH ACCOUNT, IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A
SO LONG AS THIS NOTE IS ELIGIBLE FOR RESALE PURSUANT TO RULE 144A, SUBJECT TO THE SATISFACTION OF CERTAIN CONDITIONS SPECIFIED IN THE
INDENTURE, OR (3) TO THE DEPOSITOR OR ANY OF ITS U.S. CORPORATE</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: left; text-indent: 0in">________________________</P>

<P STYLE="font-size: 10pt; margin: 0pt 7.7pt 0pt 5pt"><SUP>1</SUP> Denominations of $100,000 and integral multiples of $1,000 in excess
thereof (except for one Note of each Class which may be issued in integral multiples in excess thereof of other than $1,000).</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.85pt 0pt 5pt">AFFILIATES (OR DISREGARDED ENTITIES THEREOF)
AND (B) IN ACCORDANCE WITH ALL APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES AND ANY OTHER APPLICABLE JURISDICTION. EACH
PURCHASER WILL BE DEEMED TO HAVE MADE CERTAIN REPRESENTATIONS AND AGREEMENTS SET FORTH IN THE INDENTURE. ANY TRANSFER IN VIOLATION OF
THE FOREGOING WILL BE OF NO FORCE AND EFFECT, WILL BE VOID <U>AB INITIO</U>, AND WILL NOT OPERATE TO TRANSFER ANY RIGHTS TO THE TRANSFEREE,
NOTWITHSTANDING ANY INSTRUCTIONS TO THE CONTRARY TO THE ISSUER, THE INDENTURE TRUSTEE, OR ANY INTERMEDIARY. IF AT ANY TIME, THE ISSUER
DETERMINES OR IS NOTIFIED THAT THE HOLDER OF SUCH NOTE OR BENEFICIAL INTEREST IN SUCH NOTE WAS IN BREACH, AT THE TIME GIVEN, OF ANY OF
THE REPRESENTATIONS SET FORTH IN THE INDENTURE, THE ISSUER AND THE INDENTURE TRUSTEE MAY CONSIDER THE ACQUISITION OF THIS NOTE OR SUCH
INTEREST IN SUCH NOTE VOID AND REQUIRE THAT THIS NOTE OR SUCH INTEREST HEREIN BE TRANSFERRED TO A PERSON DESIGNATED BY THE ISSUER.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">BY ACQUIRING THIS NOTE (OR ANY INTEREST
HEREIN), EACH PURCHASER AND TRANSFEREE (AND IF THE PURCHASER OR TRANSFEREE IS A PLAN (AS DEFINED BELOW), ITS FIDUCIARY) (A) SHALL BE DEEMED
TO REPRESENT, COVENANT AND AGREE, THAT EITHER (I) IT IS NOT ACQUIRING AND WILL NOT HOLD THIS NOTE (OR ANY INTEREST HEREIN) ON BEHALF OF,
OR WITH THE ASSETS OF, ANY PLAN (AS DEFINED BELOW) THAT IS SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974,
AS AMENDED (&#8220;ERISA&#8221;), OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE &#8220;CODE&#8221;), AN ENTITY
DEEMED TO HOLD THE PLAN ASSETS OF ANY OF THE FOREGOING (EACH OF THE FOREGOING, A &#8220;BENEFIT PLAN INVESTOR&#8221;) OR ANY PLAN THAT
IS SUBJECT TO A LAW THAT IS SUBSTANTIALLY SIMILAR TO TITLE I OF ERISA OR SECTION 4975 OF THE CODE (&#8220;SIMILAR LAW&#8221;) OR (II)
THE ACQUISITION, HOLDING AND DISPOSITION OF THIS NOTE (OR ANY INTEREST HEREIN) WILL NOT GIVE RISE TO A NON-EXEMPT PROHIBITED TRANSACTION
UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE OR A VIOLATION OF ANY SIMILAR LAW AND (B) ACKNOWLEDGES AND AGREES IF IT IS A BENEFIT
PLAN INVESTOR OR A PLAN THAT IS SUBJECT TO SIMILAR LAW THAT IT SHALL NOT ACQUIRE THIS NOTE (OR ANY INTEREST HEREIN) AT ANY TIME THAT THIS
NOTE IS NOT RATED INVESTMENT GRADE BY AT LEAST ONE NATIONALLY RECOGNIZED STATISTICAL RATING AGENCY. FOR PURPOSES OF THE FOREGOING, &#8220;PLAN&#8221;
MEANS AN &#8220;EMPLOYEE BENEFIT PLAN&#8221; AS DEFINED IN SECTION 3(3) OF ERISA WHETHER OR NOT SUBJECT TO TITLE I OF ERISA, A &#8220;PLAN&#8221;
AS DEFINED IN SECTION 4975 OF THE CODE, OR AN ENTITY OR ACCOUNT DEEMED TO HOLD THE PLAN ASSETS OF ANY OF THE FOREGOING.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">TRANSFERS OF THIS NOTE MUST GENERALLY BE
ACCOMPANIED BY APPROPRIATE TAX TRANSFER DOCUMENTATION AND ARE SUBJECT TO RESTRICTIONS AS PROVIDED IN THE INDENTURE.</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">THE PRINCIPAL OF THIS NOTE IS PAYABLE IN
INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING PRINCIPAL AMOUNT OF THIS NOTE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN
ON THE FACE HEREOF.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">[&#8220;THIS NOTE HAS BEEN ISSUED WITH
&#8220;ORIGINAL ISSUE DISCOUNT&#8221; (WITHIN THE MEANING OF SECTION 1273 OF THE CODE). UPON WRITTEN REQUEST, AMERICA&#8217;S CAR
MART, INC. WILL PROMPTLY MAKE AVAILABLE TO ANY HOLDER OF THIS NOTE THE FOLLOWING INFORMATION: (1) THE ISSUE PRICE OF THIS NOTE, (2)
THE ISSUE DATE OF THIS NOTE, (3) THE AMOUNT OF ORIGINAL ISSUE DISCOUNT ON THIS NOTE AND (4) THE YIELD TO MATURITY OF THIS NOTE. ANY
SUCH REQUEST SHOULD BE ADDRESSED TO AMERICA&#8217;S CAR MART, INC., 1805 N. 2ND STREET, SUITE 401, ROGERS, ARKANSAS 72756,
ATTENTION: PRESIDENT.&#8221;]<SUP>2</SUP></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>


<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: left; text-indent: 0in">________________________</P>
<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"><SUP>2</SUP> For any Note issued with Original Issue Discount.</P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; margin: 0pt 0 0pt 1pt"><FONT STYLE="font-size: 10pt"><I>Indenture (ACMAT 2025-2)</I></FONT></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">ACM AUTO TRUST 2025-2</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[CLASS A 5.55%] [CLASS B 7.25%]</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">AUTO
LOAN ASSET BACKED NOTES</P>

<P STYLE="margin: 0pt 1.95in 0pt 137.2pt; font-size: 10pt; text-align: center; text-indent: 0.2pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">ACM AUTO TRUST 2025-2, a statutory trust
organized and existing under the laws of the State of Delaware (including any successor, the &#8220;Issuer&#8221;), for value received,
hereby promises to pay to [______], or registered assigns, the principal sum of [___] DOLLARS ($[___]), in monthly installments on the 20<SUP>th</SUP>
day of each month, or if such day is not a Business Day, on the immediately succeeding Business Day, commencing on June 20, 2025 (each,
a &#8220;<U>Payment Date</U>&#8221;) until the principal of this Note is paid or made available for payment, and to pay interest on each
Payment Date on the Class [A] [B] Note Balance as of the preceding Payment Date (after giving effect to all payments of principal made
on the preceding Payment Date), or as of the Closing Date in the case of the first Payment Date, at the rate per annum shown above (the
&#8220;<U>Interest Rate</U>&#8221;), in each case as and to the extent set forth in <U>Sections 2.7</U>, <U>3.1</U>, <U>5.4(b)</U> and
<U>8.2</U> of the Indenture and <U>Section 4.4</U> of the Sale and Servicing Agreement; <U>provided</U>, <U>however</U>, that the entire
unpaid Class [A] [B] Note Balance shall be due and payable on the earliest of (i) [_____] (the &#8220;<U>Final Scheduled Payment
Date</U>&#8221;), (ii) the Redemption Date, if any, pursuant to <U>Section 10.1</U> of the Indenture and (iii) the date the Notes are
accelerated after an Event of Default pursuant to <U>Section 5.2</U> of the Indenture. Interest on this Note will accrue for each Payment
Date from and including the 20<SUP>th</SUP> day of the prior calendar month preceding such Payment Date (or from and including the Closing
Date in the case of the first Payment Date) to but excluding the 20<SUP>th</SUP> day of the calendar month in which such Payment Date
occurs. Interest will be computed on the basis of a 360-day year consisting of twelve 30-day months. Such principal of and interest on
this Note shall be paid in the manner specified on the reverse hereof.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The principal of and interest on this
Note are payable in such coin or currency of the United States as at the time of payment is legal tender for payment of public and private
debts. All payments made by the Issuer with respect to this Note shall be applied first to interest due and payable on this Note as provided
above and then to the unpaid principal of this Note.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Reference is made to the further provisions
of this Note set forth on the reverse hereof, which shall have the same effect as though fully set forth on the face of this Note.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Unless the certificate of authentication
hereon has been executed by the Indenture Trustee the name of which appears below by manual or facsimile signature, this Note shall not
be entitled to any benefit under the Indenture referred to on the reverse hereof or be valid or obligatory for any purpose.</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; margin: 0pt 0 0pt 1pt"><FONT STYLE="font-size: 10pt"><I>Indenture (ACMAT 2025-2)</I></FONT></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.85pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">IN WITNESS WHEREOF, the Issuer has caused
this instrument to be signed, manually or by facsimile by its Authorized Officer.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">Dated: __________________________________, 2025</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">ACM AUTO TRUST 2025-2</TD></TR>
  <TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">By: BNY Mellon Trust of Delaware, not in its individual capacity but solely as Owner Trustee</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: justify">By:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: justify">Name:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: justify">Title:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 2.95pt 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0pt; font-size: 10pt; font-weight: bold; text-align: center">INDENTURE TRUSTEE&#8217;S CERTIFICATE OF AUTHENTICATION</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">This is one of the Notes designated above and
referred to in the within-mentioned Indenture.</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt">Dated: __________________________________, 2025</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">DEUTSCHE BANK NATIONAL TRUST</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">COMPANY, a national banking association, not in its individual capacity but solely as Indenture Trustee</TD></TR>
  <TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 40%">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="padding-left: 30pt; text-align: left">Authorized Signatory</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="padding-left: 30pt; text-align: left">Authorized Signatory</TD></TR>
  </TABLE>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>


<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[REVERSE OF NOTE]</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">This Note is one of a duly authorized issue
of Notes of the Issuer, designated as its [Class A 5.55%] [Class B 7.25%] Auto Loan Asset-Backed Notes (herein called the &#8220;Class
[A] [B] Notes&#8221; or the &#8220;Notes&#8221;), all issued under an Indenture, dated as of May 29, 2025 (such Indenture, as supplemented
or amended, is herein called the &#8220;Indenture&#8221;), between the Issuer and Deutsche Bank National Trust Company, a national banking
association, not in its individual capacity but solely as trustee (the &#8220;Indenture Trustee&#8221;), which term includes any successor
Indenture Trustee under the Indenture, to which Indenture and all indentures supplemental thereto reference is hereby made for a statement
of the respective rights and obligations thereunder of the Issuer, the Indenture Trustee and the Noteholders. The Notes are subject to
all terms of the Indenture and the Sale and Servicing Agreement. All terms used in this Note that are not otherwise defined herein and
that are defined in the Indenture or the Sale and Servicing Agreement shall have the meanings assigned to them in or pursuant to the Indenture
or in Appendix A of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Class A Notes and the Class B Notes
are and will be equally and ratably secured by the collateral pledged as security therefor as provided in the Indenture. All covenants
and agreements made by the Issuer in the Indenture are for the benefit of the Holders of the Notes.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 5.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 5.15pt 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0.5in">Principal payable on the Notes will be paid
on each Payment Date in the amount specified in the Indenture and in the Sale and Servicing Agreement. As described above, the entire
Class [A] [B] Note Balance shall be due and payable on the earliest of (i) [_____] (the &#8220;Final Scheduled Payment Date&#8221;), (ii)
the Redemption Date, if any, pursuant to <U>Section 10.1</U> of the Indenture and (iii) the date the Notes are accelerated after an Event
of Default pursuant to <U>Section 5.2</U> of the Indenture. All principal payments on the Class [A] [B] Notes shall be made pro rata
to the Class [A] [B] Noteholders entitled thereto.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Payments of principal of and interest
on this Note made on each Payment Date, Redemption Date or upon acceleration shall be made by wire transfer of immediately available funds
to such account at a bank or other depository institution having appropriate wire transfer facilities as a Noteholder shall designate
by written instruction requested and received by the Paying Agent not later than five (5) Business Days prior to the Record Date related
to the applicable Payment Date or by such alternative method of payment as may be determined in accordance with the Indenture to the Person
whose name appears as the registered Holder of this Note (or one or more Predecessor Notes) on the Note Register as of the close of business
on the related Record Date, except that with respect to Notes registered on the Record Date in the name of the nominee of the Clearing
Agency (initially, such nominee to be Cede &amp; Co.), payment will be made by wire transfer in immediately available funds to the account
designated by such nominee. Such payments shall be made to the Person entitled thereto without requiring that this Note be submitted for
notation of payment. Any reduction in the principal amount of this Note (or any one or more Predecessor Notes) affected by any payments
made on any Payment Date or Redemption Date shall be binding upon all future Holders of this Note and of any Note issued upon the registration
of transfer hereof or in exchange hereof or in lieu hereof, whether or not noted hereon. If funds are expected to be available, as provided
in the Indenture, for payment in full of the remaining unpaid principal amount of this Note on a Payment Date or Redemption Date, then
the Indenture Trustee, in the name of and on behalf of the Issuer, will notify the Person who was the registered Holder hereof as of the
close of business on the Record Date preceding such</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.7pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">Payment Date or Redemption Date by notice
mailed prior to such Payment Date or Redemption Date which shall specify the amount then due and payable and such amount shall be payable
only upon presentation and surrender of this Note at the Corporate Trust Office of the Indenture Trustee or at the place specified by
the Indenture Trustee in such notice.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The Issuer shall pay interest on overdue
installments of interest at the Class [A] [B] Interest Rate to the extent lawful.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Each Noteholder or Note Owner, by acceptance
of this Note, or, in the case of a Note Owner of a beneficial interest in this Note, covenants and agrees that no recourse may be taken,
directly or indirectly, with respect to the obligations of the Issuer, the Owner Trustee or the Indenture Trustee on the Notes or under
the Indenture or any certificate or other writing delivered in connection herewith or therewith, against (i) the Indenture Trustee or
the Owner Trustee in their respective individual capacities, (ii) any Certificateholder or any other owner of a beneficial interest in
the Issuer, (iii) the Servicer, the Administrator or the Seller or (iv) any partner, owner, beneficiary, agent, officer, director, employee,
successor or assign of any Person described in clauses (i), (ii) and (iii) above, except as any such Person may have expressly agreed
(it being understood that the Indenture Trustee and the Owner Trustee have no such obligations in their individual capacity) and except
that any such partner, owner or beneficiary shall be fully liable, to the extent provided by applicable law, for any unpaid consideration
for stock, unpaid capital contribution or failure to pay any installment or call owing to such entity.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">It is the intent of the Issuer, the Noteholders
and the Note Owners that, for purposes of federal, state and local income, franchise and value added tax, the Class A Notes and the Class
B Notes (other than any Notes that are owned during any period of time by either the Issuer or a Person that is considered the same Person
as the Issuer for United States federal income tax purposes) shall constitute indebtedness. The Noteholders, by acceptance of this Note,
agree to treat, and to take no action inconsistent with the treatment of, the Notes for such tax purposes as indebtedness.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Each Noteholder and Note Owner, by accepting
this Note or, in the case of a Note Owner, a beneficial interest in this Note, hereby covenants and agrees that prior to the date which
is one year and one day after payment in full of all obligations of each Bankruptcy Remote Party in respect of all securities issued by
the Bankruptcy Remote Parties, (i) such party shall not authorize any Bankruptcy Remote Party to commence a voluntary winding-up or other
voluntary case or other Proceeding seeking liquidation, reorganization or other relief with respect to such Bankruptcy Remote Party or
its debts under any bankruptcy, insolvency or other similar law now or hereafter in effect in any jurisdiction or seeking the appointment
of an administrator, a trustee, receiver, liquidator, custodian or other similar official with respect to such Bankruptcy Remote Party
or any substantial part of its property or to consent to any such relief or to the appointment of or taking possession by any such official
in an involuntary case or other Proceeding commenced against such Bankruptcy Remote Party, or to make a general assignment for the benefit
of, its creditors generally, any party to the Indenture or any other creditor of such Bankruptcy Remote Party and (ii) such party shall
not commence, join with any other Person in commencing or institute, with any other Person, any Proceeding against such Bankruptcy Remote
Party under any bankruptcy, reorganization, arrangement, liquidation or insolvency law or statute now or hereafter in effect in any jurisdiction.</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">THIS NOTE AND THE INDENTURE
SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS OTHER THAN
SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER
AND THEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 118.1pt 0pt 115.3pt">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 118.1pt 0pt 115.3pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; text-align: center"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; text-align: center"><B>ASSIGNMENT</B></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">Social Security or taxpayer I.D. or other identifying
number of assignee</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 41pt">FOR VALUE RECEIVED, the undersigned hereby sells,
assigns and transfers unto ________________________________________________</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; color: Red"></P>


<P STYLE="font-size: 10pt; text-align: center; text-indent: 0in; margin: 0pt 2.95pt 0pt 0">(name and address of assignee)</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">the within Note and all rights thereunder, and
hereby irrevocably constitutes and appoints ___________________________, attorney, to transfer said Note on the books kept for registration
thereof, with full power of substitution in the premises.</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="padding-left: 10pt; margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in; width: 30%">Dated: &nbsp; _________________</TD>
  <TD STYLE="width: 20%">&nbsp;</TD>
  <TD STYLE="width: 50%">__________________________________________ */</TD></TR>
</TABLE>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>


<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Signature Guaranteed:</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 7.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">________________________________________________</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 7.7pt 0pt 5pt">Signatures must be guaranteed by an &#8220;eligible
guarantor institution&#8221; meeting the requirements of the Note Registrar, which requirements include membership or participation in
STAMP or such other &#8220;signature guarantee program&#8221; as may be determined by the Note Registrar in addition to, or in substitution
for, STAMP, all in accordance with the Securities Exchange Act of 1934, as amended.</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0in; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 7.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0in">________________________</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0pt 7.9pt 0pt 5pt">*/ NOTE: The signature to this assignment
must correspond with the name of the registered owner as it appears on the face of the within Note in every particular without alteration,
enlargement or any change whatsoever.</P>



<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 33%">&nbsp;</TD>
  <TD STYLE="text-align: center; width: 34%">A-10</TD>
  <TD STYLE="text-align: right; width: 33%"><FONT STYLE="font-size: 10pt"><I>Indenture (ACMAT 2025-2)</I></FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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</HTML>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>3
<FILENAME>exh_101.htm
<DESCRIPTION>EXHIBIT 10.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font-size: 10pt; text-align: right; margin: 0pt 7.85pt 0pt 0"><B>Exhibit 10.1</B></P>

<P STYLE="margin: 0pt 7.85pt 0pt 0; font-size: 10pt; text-align: right">&nbsp;</P>

<P STYLE="margin: 0pt 7.85pt 0pt 0; font-size: 10pt; text-align: right"><B>EXECUTION <FONT STYLE="letter-spacing: -0.1pt">VERSION</FONT></B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B></B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"></P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 3pt auto; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="margin: 0pt 0"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 163.4pt 0pt 160.35pt"><B>PURCHASE <FONT STYLE="letter-spacing: -0.1pt">AGREEMENT</FONT></B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 163.4pt 0pt 160.3pt">dated as of May 29, 2025 <FONT STYLE="letter-spacing: -0.1pt">between</FONT></P>

<P STYLE="margin: 0pt 163.4pt 0pt 160.3pt; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 3.15pt 0pt 0"><B>COLONIAL AUTO FINANCE, <FONT STYLE="letter-spacing: -0.1pt">INC.</FONT></B><FONT STYLE="letter-spacing: -0.1pt">,</FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 214.45pt 0pt 211.5pt">as Seller</P>

<P STYLE="margin: 0pt 214.45pt 0pt 211.5pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 214.45pt 0pt 211.5pt; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.2pt">and</FONT></P>

<P STYLE="margin: 0pt 214.45pt 0pt 211.5pt; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.2pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 3.2pt 0pt 0.25pt"><B>ACM FUNDING, <FONT STYLE="letter-spacing: -0.2pt">LLC,</FONT></B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 163.4pt 0pt 160.35pt">as <FONT STYLE="letter-spacing: -0.1pt">Purchaser</FONT></P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

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<P STYLE="margin: 0pt 0; font-size: 10pt"></P>

<P STYLE="margin: 0pt 0; font-size: 10pt; color: Red"><B></B></P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0"></P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>TABLE OF <FONT STYLE="letter-spacing: -0.1pt">CONTENTS</FONT></B></P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="2" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><B>Page</B></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 94%">ARTICLE I DEFINITIONS AND USAGE</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 6%"><FONT STYLE="letter-spacing: -0.5pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 1.1 Definitions</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 1.2 Other Interpretive Provisions</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>ARTICLE II PURCHASE</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 2.1 Agreement to Sell and Contribute on the Closing Date</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 2.2 Consideration and Payment</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 0pt">ARTICLE III REPRESENTATIONS, WARRANTIES AND COVENANTS</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 3.1 Representations and Warranties of Colonial</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">2</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 20pt; vertical-align: middle; text-align: left">SECTION 3.2 Representations and Warranties of Colonial
    Regarding the Purchased Assets</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 3.3 Representations and Warranties of Colonial as to each Receivable</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 3.4 Repurchase upon Breach</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 3.5 Protection of Title</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 3.6 Other Liens or Interests</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>ARTICLE IV MISCELLANEOUS</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.1 Transfers Intended as Sale; Security Interest</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.2 Notices, Etc</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.3 Choice of Law</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.4 Headings</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.5 Counterparts and Electronic Signature</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.6 Amendment</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.5pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.7 Waivers</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.8 Entire Agreement</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.9 Severability of Provisions</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.10 Binding Effect; Merger or Consolidation</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.11 Acknowledgment and Agreement</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.12 Cumulative Remedies</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 20pt; text-align: left">SECTION 4.13 Nonpetition Covenant</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">SECTION 4.14 Submission to Jurisdiction; Waiver of Jury Trial</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">SECTION 4.15 Third-Party Beneficiaries</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="letter-spacing: -0.25pt">12</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="3" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 14%">EXHIBIT A</TD>
    <TD STYLE="text-align: left; vertical-align: bottom; width: 86%">Form of Assignment</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>SCHEDULE I</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">Perfection Representations, Warranties and Covenants </TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>SCHEDULE II</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">Representations and Warranties with Respect to the Receivables</TD></TR>
  </TABLE>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 3.2pt 0pt 0.25pt"><B>&nbsp;</B></P>

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<P STYLE="margin: 0pt 3.2pt 0pt 0.25pt; font-size: 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 3.2pt 0pt 0.25pt; font-size: 10pt; text-align: center"><B></B></P>

<P STYLE="margin: 0pt 3.2pt 0pt 0.25pt; font-size: 10pt; text-align: center"></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: right; margin: 0pt 13.6pt 0pt 0"><FONT STYLE="letter-spacing: -0.2pt"></FONT></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">THIS PURCHASE AGREEMENT is made and entered into as of May
29, 2025 (as amended, restated, supplemented or otherwise modified and in effect from time to time, this &#8220;<U>Agreement</U>&#8221;)
by COLONIAL AUTO FINANCE, INC., an Arkansas corporation (&#8220;<U>Colonial</U>&#8221;) and ACM FUNDING, LLC, a Delaware limited liability
company (the &#8220;<U>Purchaser</U>&#8221;).</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 163.4pt 0pt 160.35pt"><FONT STYLE="letter-spacing: -0.1pt">WITNESSETH:</FONT></P>

<P STYLE="margin: 0pt 163.4pt 0pt 160.35pt; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 10.6pt 0pt 5pt">WHEREAS, Colonial has acquired certain motor vehicle receivables
from its affiliates America&#8217;s Car Mart, Inc., an Arkansas corporation (&#8220;<U>America&#8217;s Car Mart</U>&#8221;) and Texas
Car-Mart, Inc., a Texas corporation (&#8220;<U>Texas Car-Mart</U>&#8221; and collectively with America&#8217;s Car Mart, the &#8220;<U>Originators</U>&#8221;)
prior to the date hereof;</P>

<P STYLE="margin: 0pt 10.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">WHEREAS, the Purchaser desires to purchase from Colonial a portfolio
of motor vehicle receivables, including motor vehicle retail installment sale contracts that are secured by used automobiles, light-duty
trucks, SUVs and vans; and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">WHEREAS, Colonial is willing to sell such portfolio of motor vehicle
receivables and related property to the Purchaser on the terms and conditions set forth in this Agreement.</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">NOW, THEREFORE, in consideration of the premises and the mutual
agreements set forth herein, the parties hereto agree as follows:</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">ARTICLE I</P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt">DEFINITIONS AND USAGE</P>

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">SECTION 1.1 <U>Definitions</U>. Except as otherwise defined herein or as the
context <FONT STYLE="letter-spacing: -0.25pt">may </FONT>otherwise require, capitalized terms used but not otherwise defined herein
are defined in <U>Appendix A</U> to the Sale and Servicing Agreement which also contains rules as to usage that are applicable
herein, and which is dated as of the date hereof (as from time to time amended, supplemented or otherwise modified and in effect,
the &#8220;<U>Sale and Servicing Agreement</U>&#8221;) among ACM Auto Trust 2025-2, America&#8217;s Car Mart, as Servicer, the
Purchaser, as Seller, Deutsche Bank National Trust Company, as Indenture Trustee, as Calculation Agent and as Paying Agent, and
Systems &amp; Services Technologies, Inc., as Backup Servicer.</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">SECTION 1.2 <U>Other Interpretive Provisions</U>. For
purposes of this Agreement, unless the context otherwise requires: (a) accounting terms not otherwise defined in this Agreement, and
accounting terms partly defined in this Agreement to the extent not defined, shall have the respective meanings given to them under
GAAP (<U>provided that</U>, to the extent that the definitions in this Agreement and GAAP conflict, the definitions in this
Agreement shall control); (b) terms defined in Article 9 of the UCC as in effect in the relevant jurisdiction and not otherwise
defined in this Agreement are used as defined in that Article; (c) the words &#8220;hereof,&#8221; &#8220;herein&#8221; and
&#8220;hereunder&#8221; and words of similar import refer to this Agreement as a whole and not to any particular provision of this
Agreement; (d) references to any Article, Section, Schedule, Appendix or Exhibit are references to Articles, Sections, Schedules,
Appendices and Exhibits in or to this Agreement and references to any paragraph, subsection, clause or other subdivision within any
Section or definition refer to such paragraph, subsection, clause or other subdivision of such Section or definition; (e) the term
&#8220;including&#8221; and all variations thereof means &#8220;including without limitation&#8221;; (f) except as otherwise
expressly provided herein, references to any law or regulation refer to that law or regulation as amended from time to time and
include any successor law or regulation; (g) references to any Person include that Person&#8217;s successors and assigns; and
(h)&nbsp; headings are for purposes of reference only and shall not otherwise affect the meaning or interpretation of any provision
hereof.</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">ARTICLE II</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="letter-spacing: -0.1pt">PURCHASE</FONT></P>

<P STYLE="margin: 0pt 210.4pt 0pt 207.65pt; font-size: 10pt; text-align: center; text-indent: -0.25pt"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 11.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">SECTION 2.1 <U>Agreement to Sell and Contribute on the Closing Date</U>. On the
terms <FONT STYLE="letter-spacing: -0.25pt">and </FONT>subject to the conditions set forth in this Agreement, Colonial does hereby
irrevocably sell, transfer, assign, contribute and otherwise convey to the Purchaser without recourse (subject to the obligations
herein) on the Closing Date all of Colonial&#8217;s right, title and interest in, to and under the Receivables, the Collections
after the Cut-Off Date, the Receivable Files and the Related Security relating thereto, whether now owned or hereafter acquired, as
evidenced by an assignment substantially in the form of <U>Exhibit A</U> delivered on the Closing Date (collectively, the
&#8220;<U>Purchased Assets</U>&#8221;). The sale, transfer, assignment, contribution and conveyance made hereunder does not
constitute and is not intended to result in an assumption by the Purchaser of any obligation of Colonial to the Obligors, the
Originators, insurers or any other Person in connection with the Receivables or the other assets and properties conveyed hereunder
or any agreement, document or instrument related thereto.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.75pt 0pt 5pt">SECTION 2.2 <U>Consideration and Payment</U>. The
purchase price for the sale of the Purchased Assets sold to the Purchaser on the Closing Date shall equal the estimated fair market
value of the Purchased Assets. Such purchase price shall be paid in cash to Colonial in an amount agreed to between Colonial and the
Purchaser, and, to the extent not paid in cash by the Purchaser, shall be paid by a capital contribution by Colonial of an undivided
interest in such Purchased Assets that increases its equity interest in the Purchaser in an amount equal to the excess of the
estimated fair market value of the Purchased Assets over the amount of cash paid by the Purchaser to Colonial.</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 163.4pt 0pt 160.3pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">ARTICLE <FONT STYLE="letter-spacing: -0.25pt">III</FONT></P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">REPRESENTATIONS, WARRANTIES AND <FONT STYLE="letter-spacing: -0.1pt">COVENANTS</FONT></P>

<P STYLE="margin: 0pt 3.1pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.75pt 0pt 5pt">SECTION 3.1 <U>Representations and Warranties of Colonial</U>.
Colonial makes the following representations and warranties as of the Closing Date, on which the Purchaser will be deemed to have relied
in acquiring the Purchased Assets. The representations and warranties will survive the conveyance of the Purchased Assets to the Purchaser
pursuant to this Agreement, the conveyance of the Purchased Assets to the Issuer pursuant to the Sale and Servicing Agreement and the
Grant thereof by the Issuer to the Indenture Trustee pursuant to the <FONT STYLE="letter-spacing: -0.1pt">Indenture:</FONT></P>

<P STYLE="margin: 0pt 11.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 24.6pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT><U>Existence
and Power</U>. Colonial is a corporation validly existing and in good standing under the laws of its state of organization and has,
in all material respects, full power and authority to own its assets and operate its business as presently owned or operated, and to
execute, to deliver and to perform its obligations under the Transaction Documents to which it is a party. Colonial has obtained all
necessary licenses and approvals in each jurisdiction where the failure to do so would materially and adversely affect the ability
of Colonial to perform its obligations under the Transaction Documents or affect the enforceability or collectability of the
Receivables or any other part of the Purchased Assets.</P>

<P STYLE="margin: 0pt 24.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 24.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"></P>

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<P STYLE="margin: 0pt 24.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 9.6pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Authorization and No Contravention</U>. The execution, delivery and performance by Colonial of the Transaction Documents to
which it is a party have been duly authorized by all necessary corporate action on the part of Colonial and do not contravene or constitute
a default under (i) any applicable law, rule or regulation, (ii) its organizational documents or (iii) any material indenture or material
agreement to which Colonial is a party or by which its properties are bound (other than violations of such laws, rules, regulations, organizational
documents, indentures or agreements which do not affect the legality, validity or enforceability of any of such agreements and which,
individually or in the aggregate, would not materially and adversely affect the transactions contemplated by, or Colonial&#8217;s ability
to perform its obligations under, the Transaction Documents).</P>

<P STYLE="margin: 0pt 9.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.6pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Consent Required</U>. No approval or authorization by, or filing with, any Governmental Authority is required in connection
with the execution, delivery and performance by Colonial of any Transaction Document other than (i) UCC filings, (ii) approvals and authorizations
that have previously been obtained and filings that have previously been made, and (iii) approvals, authorizations or filings which, if
not obtained or made, would not have a material adverse effect on the enforceability or collectability of the Receivables or any other
part of the Purchased Assets or would not materially and adversely affect the ability of Colonial to perform its obligations under the
Transaction Documents.</P>

<P STYLE="margin: 0pt 11.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0.2in 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Binding Effect</U>. Each Transaction Document to which Colonial is a party constitutes the legal, valid and binding obligation
of Colonial enforceable against Colonial in accordance with its terms, except as such enforceability may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium, receivership, conservatorship or other similar laws affecting the enforcement of creditors&#8217;
rights generally and, if applicable, the rights of creditors of corporations from time to time in effect or by general principles of equity.</P>

<P STYLE="margin: 0pt 0.2in 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 12.75pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Proceedings</U>. There are no actions, orders, suits or proceedings pending or, to the knowledge of Colonial, threatened
against Colonial before or by any Governmental Authority that (i) assert the invalidity or unenforceability of this Agreement or any of
the other Transaction Documents, (ii) seek to prevent the issuance of the Notes or the consummation of any of the transactions contemplated
by this Agreement or any of the other Transaction Documents, (iii) seek any determination or ruling that would materially and adversely
affect the performance by Colonial of its obligations under this Agreement or any of the other Transaction Documents or (iv) relate to
Colonial that would materially and adversely affect the federal or Applicable Tax State income, excise, franchise or similar tax attributes
of the Notes.</P>

<P STYLE="margin: 0pt 12.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0.25in 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Lien Filings</U>. Colonial is not aware of any material judgment, ERISA or tax lien filings against Colonial.</P>

<P STYLE="margin: 0pt 0.25in 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 0.25in 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0.25in 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.75pt 0pt 5pt">SECTION 3.2 <U>Representations and Warranties of Colonial
Regarding the Purchased Assets</U>. On the date hereof, Colonial hereby makes the following representations and warranties to the Purchaser,
on which the Purchaser will be deemed to have relied in acquiring the Purchased Assets. Such representations and warranties will survive
the conveyance of the Purchased Assets to the Purchaser pursuant to this Agreement, the sale of the Purchased Assets to the Issuer under
the Sale and Servicing Agreement and the Grant of the Purchased Assets and other collateral by the Issuer to the Indenture Trustee pursuant
to the Indenture.</P>

<P STYLE="margin: 0pt 11.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.8pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Receivables were selected using selection procedures that were not known or intended by Colonial to be adverse to the Issuer.</P>

<P STYLE="margin: 0pt 11.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 24.95pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Receivables and the other Purchased Assets have been validly assigned by Colonial to the Purchaser.</P>

<P STYLE="margin: 0pt 24.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 17.35pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The information with respect to the Receivables transferred on the Closing Date as set forth in the Schedule of Receivables was
true and correct in all material respects as of the Cut-Off Date.</P>

<P STYLE="margin: 0pt 17.35pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.75pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No Receivables are pledged, assigned, sold, subject to a security interest or otherwise conveyed other than pursuant to the Transaction
Documents. Colonial has not authorized the filing of and is not aware of any financing statements against Colonial that includes a description
of collateral covering any Receivable other than any financing statement relating to security interests granted under the Transaction
Documents or that have been or, prior to the assignment of such Receivables hereunder, will be terminated, amended or released. This Agreement
creates a valid and continuing security interest in the Receivables (other than the Related Security with respect thereto, to the extent
that an ownership interest therein cannot be perfected by the filing of a financing statement) in favor of the Purchaser which security
interest is prior to all other Liens created by Colonial (other than Permitted Liens) with respect to the Receivables and is enforceable
as such against all other creditors of and purchasers and assignees from Colonial.</P>

<P STYLE="margin: 0pt 8.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.65pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The representations and warranties regarding creation, perfection and priority of security interests in the Purchased Assets, which
are attached to this Agreement as <U>Schedule I</U>, are true and correct to the extent that they are applicable.</P>

<P STYLE="margin: 0pt 18.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 12pt 0pt 5pt">SECTION 3.3 <U>Representations and Warranties of Colonial
as to each Receivable</U>. On the date hereof, Colonial hereby makes the representations and warranties set forth on <U>Schedule
II</U> to the Purchaser as to the Receivables sold, transferred, assigned, contributed and otherwise conveyed to the Purchaser under
this Agreement on which such representations and warranties the Purchaser relies in acquiring the Receivables. Such representations
and warranties shall survive the conveyance of the Purchased Assets to the Purchaser pursuant to this Agreement, the sale of the
Purchased Assets to the Issuer under the Sale and Servicing Agreement and the Grant of the Purchased Assets by the Issuer to the
Indenture Trustee pursuant to the Indenture. Notwithstanding any statement to the contrary contained herein or in any other
Transaction Document, Colonial shall not be required to notify any insurer with respect to any Insurance Policy obtained by an
Obligor or to notify the Originators about any aspect of the transaction contemplated by the Transaction Documents. Colonial hereby
agrees that the Issuer shall have the right to enforce any and all rights under this Agreement assigned to the Issuer (or its
assignee) under the Transaction Documents, including the right to cause Colonial to repurchase any Receivable with respect to which
it is in breach of any of its representations and warranties set forth in <U>Schedule II</U>, directly against Colonial as though
the Issuer (or its assignee) were a party to this Agreement, and neither the Issuer nor its assignee shall be obligated to exercise
any such rights indirectly through the Purchaser. Any inaccuracy in any of such representations or warranties will be deemed not to
constitute a breach of such representation or warranty if such inaccuracy does not affect the ability of the Issuer to receive and
retain timely payment in full on such Receivable.</P>

<P STYLE="margin: 0pt 10.6pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

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<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">SECTION 3.4 <U>Repurchase upon Breach</U>. Upon discovery by
or notice to a Responsible Officer of the Purchaser or Colonial of a breach of any of the representations and warranties set forth in
<U>Section 3.3</U> with respect to any Receivable at the time such representations and warranties were made which materially and adversely
affects the interests of the Issuer or the Noteholders in such Receivable, the party discovering such breach or receiving written notice
of such breach shall give prompt written notice of such breach to the other party hereto; <I>provided</I>, <I>that</I>, delivery of an
Investor Report which identifies that Receivables are being or have been repurchased shall be deemed to constitute prompt written notice
by Colonial and the Purchaser of that breach; <I>provided, further, </I>that the failure to give such notice shall not affect any obligation
of Colonial hereunder. If the breach materially and adversely affects the interests of the Issuer or the Noteholders in the related Receivable,
then Colonial shall either (a) correct or cure that breach, if applicable, or (b) repurchase that Receivable from the Issuer, in either
case on or before the Payment Date following the end of the Collection Period which includes the 60th day (or, if Colonial elects, an
earlier date) after the date Colonial became aware or was notified of such breach. Such breach or failure will be deemed not to have a
material and adverse effect on the interests of the Issuer or the Noteholders if such breach or failure has not affected the ability of
the Purchaser (or its assignee) to receive and retain timely payment in full on such Receivable. Any such repurchase by Colonial shall
be at a price equal to the related Repurchase Price. In consideration for that repurchase, Colonial shall pay (or shall cause to be paid)
the Repurchase Price by depositing such amount into the Collection Account prior to noon, New York City time, on such date of repurchase
(or, if Colonial elects, an earlier date). Upon payment of such Repurchase Price by Colonial, the Purchaser (or its assignee) shall release
and shall execute and deliver such instruments of release, transfer or assignment, in each case without recourse or representation, as
may be reasonably requested by Colonial to evidence such release, transfer or assignment or more effectively vest in Colonial or its designee
any Receivable and related Purchased Assets repurchased pursuant to this <U>Section 3.4</U>. It is understood and agreed that the obligation
of Colonial to repurchase any Receivable as described above shall constitute the sole remedy with respect to such breach available to
the Purchaser (or its assignee).</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">SECTION 3.5 <U>Protection of <FONT STYLE="letter-spacing: -0.1pt">Title</FONT></U><FONT STYLE="letter-spacing: -0.1pt">.</FONT></P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>Colonial
shall authorize and file such financing statements and cause to be authorized and filed such continuation and other financing
statements, all in such manner and in such places as may be required by law fully to preserve, maintain and protect the interest of
the Purchaser under this Agreement in the Purchased Assets (to the extent that the interest of the Purchaser therein can be
perfected by the filing of a financing statement). Colonial shall deliver (or cause to be delivered) to the Purchaser file-stamped
copies of, or filing receipts for, any document filed as provided above, as soon as available following such filing.</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">&nbsp;</P>

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<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Colonial shall notify the Purchaser in writing within ten (10) days following the occurrence of (i) any change in Colonial&#8217;s
organizational structure as a corporation, (ii) any change in Colonial&#8217;s &#8220;location&#8221; (within the meaning of Section 9-307
of the UCC of all applicable jurisdictions) and (iii) any change in Colonial&#8217;s name, and (A) shall take all action prior to making
such change (or shall have made arrangements to take such action substantially simultaneously with such change, if it is not practicable
to take such action in advance) reasonably necessary or advisable in the opinion of the Purchaser to amend all previously filed financing
statements or continuation statements described in paragraph (a) above and (B) shall deliver to the Indenture Trustee within thirty (30)
days after such change an Opinion of Counsel either (a) stating that, in the opinion of such counsel, all financing statements and continuation
statements and amendments thereto have been executed and filed that are necessary to preserve and protect the interest of the Issuer in
the Receivables or (b) stating that, in the opinion of such counsel, no such action shall be necessary to preserve and protect such interest.</P>

<P STYLE="margin: 0pt 15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 9.15pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Colonial shall maintain (or shall cause the Servicer to maintain) its computer systems so that, from time to time after the conveyance
under this Agreement of the Receivables, the master computer records (including any backup archives) that refer to a Receivable shall
indicate clearly the interest of the Purchaser (or any subsequent assignee of the Purchaser) in such Receivable and that such Receivable
is owned by such Person. Indication of such Person&#8217;s interest in a Receivable shall not be deleted from or modified on such computer
systems until, and only until, the related Receivable shall have been paid in full or repurchased.</P>

<P STYLE="margin: 0pt 9.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.85pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If at any time Colonial shall propose to sell, grant a security interest in or otherwise transfer any interest in motor vehicle
receivables to any prospective purchaser, lender or other transferee, Colonial shall give to such prospective purchaser, lender or other
transferee computer tapes, records or printouts (including any restored from backup archives) that, if they shall refer in any manner
whatsoever to any Receivable, shall indicate clearly that such Receivable has been sold and is owned by the Purchaser (or any subsequent
assignee of the <FONT STYLE="letter-spacing: -0.1pt">Purchaser).</FONT></P>

<P STYLE="margin: 0pt 15.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.75pt 0pt 5pt">SECTION 3.6 <U>Other Liens or Interests</U>. Except for the
conveyances and grants of security interests pursuant to this Agreement and the other Transaction Documents, Colonial shall not sell,
pledge, assign or transfer the Receivables or other property transferred to the Purchaser to any other Person, or grant, create, incur,
assume or suffer to exist any Lien (other than Permitted Liens) on any interest therein, and Colonial shall defend the right, title and
interest of the Purchaser in, to and under such Receivables or other property transferred to the Purchaser against all claims of third
parties claiming through or under Colonial.</P>

<P STYLE="margin: 0pt 11.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 11.75pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt">ARTICLE IV</P>

<P STYLE="margin: 0pt 192pt 0pt 188.95pt; font-size: 10pt; text-align: center; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="letter-spacing: -0.1pt">MISCELLANEOUS</FONT></P>

<P STYLE="margin: 0pt 192pt 0pt 188.95pt; font-size: 10pt; text-align: center; text-indent: -0.1pt"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">SECTION 4.1 <U>Transfers Intended as Sale; Security <FONT STYLE="letter-spacing: -0.1pt">Interest</FONT></U><FONT STYLE="letter-spacing: -0.1pt">.</FONT></P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 10.9pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each of the parties hereto expressly intends and agrees that the transfers contemplated and effected under this Agreement are complete
and absolute sales, transfers, assignments, contributions and conveyances without recourse rather than pledges or assignments of only
a security interest and shall be given effect as such for all purposes. It is further the intention of the parties hereto that the Purchased
Assets shall not be part of Colonial&#8217;s estate in the event of a bankruptcy or insolvency of Colonial. The sales and transfers by
Colonial of the Receivables and other Purchased Assets hereunder are and shall be without recourse to, or representation or warranty (express
or implied) by, Colonial, except as otherwise specifically provided herein. The limited rights of recourse specified herein against Colonial
are intended to provide a remedy for breach of representations and warranties relating to the condition of the property sold, rather than
to the collectability of the Receivables.</P>

<P STYLE="margin: 0pt 10.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14.05pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding the foregoing, in the event that the Receivables and other Purchased Assets are held to be property of Colonial,
or if for any reason this Agreement is held or deemed to create indebtedness or a security interest in the Receivables and other Purchased
Assets, then it is intended that:</P>

<P STYLE="margin: 0pt 14.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.6pt 0pt 41pt"><FONT STYLE="letter-spacing: -0.05pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>this Agreement shall be deemed to be a security agreement within the meaning of Articles 8 and 9 of the New York UCC and the UCC
of any other applicable <FONT STYLE="letter-spacing: -0.1pt">jurisdiction;</FONT></P>

<P STYLE="margin: 0pt 15.6pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 9.4pt 0pt 41pt"><FONT STYLE="letter-spacing: -0.05pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the conveyance provided for in <U>Section 2.1</U> shall be deemed to be a grant by Colonial of, and Colonial hereby grants to the
Purchaser, a security interest in all of its right (including the power to convey title thereto), title and interest, whether now owned
or hereafter acquired, in and to the Receivables and other Purchased Assets, to secure such indebtedness and the performance of the obligations
of Colonial hereunder;</P>

<P STYLE="margin: 0pt 9.4pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 23.95pt 0pt 41pt"><FONT STYLE="letter-spacing: -0.05pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>the
possession by the Purchaser or its agent of the Receivable Files and any other property that constitute instruments, money,
negotiable documents or chattel paper shall be deemed to be &#8220;possession by the secured party&#8221; or possession by the
purchaser or a person designated by such purchaser, for purposes of perfecting the security interest pursuant to the New York UCC
and the UCC of any other applicable jurisdiction; and</P>

<P STYLE="margin: 0pt 23.95pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 13.8pt 0pt 41pt"><FONT STYLE="letter-spacing: -0.05pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property,
shall be deemed to be notifications to, or acknowledgments, receipts or confirmations from, bailees or agents (as applicable) of the Purchaser
for the purpose of perfecting such security interest under applicable law.</P>

<P STYLE="margin: 0pt 13.8pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.75pt 0pt 5pt">SECTION 4.2 <U>Notices, Etc.</U> All demands, notices
and communications hereunder shall be in writing and shall be delivered or mailed by registered or certified first-class United
States mail, postage prepaid, hand delivery, prepaid courier service, or by facsimile or by electronic transmission, and addressed
in each case as specified on <U>Schedule I</U> to the Sale and Servicing Agreement or at such other address as shall be designated
by any of the specified addressees in a written notice to the other parties hereto. Any notice required or permitted to be mailed to
a Noteholder shall be given by first class mail, postage prepaid, at the address of such Noteholder as shown in the Note Register.
Delivery shall occur only upon receipt or reported tender of such communication by an officer of the recipient entitled to receive
such notices located at the address of such recipient for notices hereunder; <U>provided</U><I>, </I><U>however</U><I>, </I>that any
notice to a Noteholder mailed within the time and in the manner prescribed in this Agreement shall be conclusively presumed to have
been duly given, whether or not the Noteholder shall receive such <FONT STYLE="letter-spacing: -0.1pt">notice.</FONT></P>

<P STYLE="margin: 0pt 11.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

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<P STYLE="margin: 0pt 11.75pt 0pt 5pt; font-size: 10pt"><FONT STYLE="letter-spacing: -0.1pt"></FONT></P>

<P STYLE="font-size: 10pt; text-align: left; text-indent: 0.5in; margin: 0pt 10.6pt 0pt 5pt"><FONT STYLE="font-weight: normal">SECTION
4.3 <U>Choice of Law</U>.</FONT> <B>THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL, SUBSTANTIVE LAWS
OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE RULES THEREOF RELATING TO CONFLICTS OF LAW, OTHER THAN SECTIONS 5-1401 AND 5-1402 OF
THE NEW YORK GENERAL OBLIGATIONS LAW, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE
WITH SUCH LAWS</B>. <U>Headings</U>. The article and section headings hereof have been inserted for convenience only and shall not be
construed to affect the meaning, construction or effect of this Agreement.</P>

<P STYLE="margin: 0pt 10.6pt 0pt 5pt; font-size: 10pt; font-weight: bold; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 12.1pt 0pt 5pt">SECTION 4.5 <U>Counterparts and Electronic Signature</U>. This
Agreement shall be valid, binding, and enforceable against a party only when executed by an authorized individual on behalf of the party
by means of (i) an electronic signature that complies with the federal Electronic Signatures in Global and National Commerce Act, state
enactments of the Uniform Electronic Transactions Act, and/or any other relevant electronic signatures law, in each case to the extent
applicable; (ii) an original manual signature; or (iii) a faxed, scanned, or photocopied manual signature. Each electronic signature or
faxed, scanned, or photocopied manual signature shall for all purposes have the same validity, legal effect, and admissibility in evidence
as an original manual signature. Each party hereto shall be entitled to conclusively rely upon, and shall have no liability with respect
to, any electronic signature or faxed, scanned, or photocopied manual signature of any other party and shall have no duty to investigate,
confirm or otherwise verify the validity or authenticity thereof. This Agreement may be executed in any number of counterparts, each of
which shall be deemed to be an original, but such counterparts shall, together, constitute only one instrument. Notwithstanding the foregoing,
with respect to any notice provided for in this Agreement or any instrument required or permitted to be delivered hereunder, any party
hereto receiving or relying upon such notice or instrument shall be entitled to request execution thereof by original manual signature
as a condition to the effectiveness <FONT STYLE="letter-spacing: -0.1pt">thereof.</FONT></P>

<P STYLE="margin: 0pt 12.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">SECTION 4.6 <FONT STYLE="letter-spacing: -0.1pt"><U>Amendment</U>.</FONT></P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 9.5pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any term or provision of this Agreement may be amended by Colonial and the Purchaser without the consent of the Indenture Trustee,
any Noteholder, the Issuer, the Backup Servicer, the Servicer, the Owner Trustee or any other Person subject to the satisfaction of one
of the following conditions:</P>

<P STYLE="margin: 0pt 9.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 9.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"></P>

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<P STYLE="margin: 0pt 9.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0.2in 0pt 41pt"><FONT STYLE="letter-spacing: -0.05pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Colonial or the Purchaser delivers an Opinion of Counsel or Officer&#8217;s Certificate to the Indenture Trustee to the effect
that such amendment will not materially and adversely affect the interests of the Noteholders; or</P>

<P STYLE="margin: 0pt 0.2in 0pt 41pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.45pt 0pt 41pt"><FONT STYLE="letter-spacing: -0.05pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>the
Rating Agency Condition is satisfied with respect to such amendment and Colonial or the Purchaser notifies the Indenture Trustee in
writing that the Rating Agency Condition is satisfied with respect to such amendment; provided that, no amendment pursuant to this <U>Section
4.6</U> shall be effective which affects the rights, protections or duties of the Indenture Trustee, the Backup Servicer or the
Owner Trustee without the prior written consent of such Person.</P>

<P STYLE="margin: 0pt 15.45pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.35pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Agreement may also be amended from time to time by Colonial and the Purchaser, with the consent of the Holders of Notes evidencing
not less than a majority of the aggregate Note Balance of the Controlling Class, for the purpose of adding any provisions to or changing
in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Noteholders. It will
not be necessary for the consent of Noteholders to approve the particular form of any proposed amendment or consent, but it will be sufficient
if such consent approves the substance thereof. The manner of obtaining such consents (and any other consents of Noteholders provided
for in this Agreement) and of evidencing the authorization of the execution thereof by Noteholders will be subject to such reasonable
requirements as the Indenture Trustee may prescribe, including the establishment of record dates pursuant to the Depository Agreement.</P>

<P STYLE="margin: 0pt 11.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 13.25pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any term or provision of this Agreement may also be amended from time to time by Colonial and the Purchaser for the purpose of
conforming the terms of this Agreement to the description thereof in the Offering Memorandum without the consent of the Indenture Trustee,
any Noteholder, the Issuer, the Backup Servicer, the Servicer, the Owner Trustee or any other Person; <U>provided</U>, <U>however</U>,
that Colonial and the Purchaser shall provide written notification of the substance of such amendment to the Indenture Trustee, the Issuer,
the Backup Servicer, the Servicer and the Owner Trustee and promptly after the execution of such amendment, Colonial and the Purchaser
shall furnish a copy of such amendment to the Indenture Trustee, the Issuer, the Backup Servicer and the Owner Trustee.</P>

<P STYLE="margin: 0pt 13.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.25pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Prior to the execution of any amendment or consent pursuant to this <U>Section 4.6</U>, Colonial shall provide written notification
of the substance of such amendment to the Rating Agency; and promptly after the execution of any such amendment or consent, Colonial shall
furnish a copy of such amendment or consent to the Rating Agency and the Indenture Trustee.</P>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.05pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Prior to the execution of any amendment to this Agreement, the Owner Trustee and the Indenture Trustee shall be entitled to receive
and conclusively rely upon an Opinion of Counsel stating that the execution of such amendment is authorized or permitted by this Agreement
and that all conditions precedent to the execution and delivery of such amendment have been satisfied. The Owner Trustee and the Indenture
Trustee may, but shall not be obligated to, enter into any such amendment which adversely affects the Owner Trustee&#8217;s or the Indenture
Trustee&#8217;s, as applicable, own rights, protections, immunities, indemnities or duties under this Agreement.</P>

<P STYLE="margin: 0pt 15.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 15.05pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.05pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.1pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding <U>subsections (a)</U> and <U>(b)</U> of this <U>Section 4.6</U>, this Agreement may only be amended by Colonial
and the Purchaser if (i) the Majority Certificateholders consent to such amendment or (ii) such amendment shall not, as evidenced by an
Officer&#8217;s Certificate of Colonial or the Purchaser or an Opinion of Counsel delivered to the Indenture Trustee and the Owner Trustee,
materially and adversely affect the interests of the Certificateholders.</P>

<P STYLE="margin: 0pt 18.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 10.6pt 0pt 5pt">SECTION 4.7 <U>Waivers</U>. No failure or delay on the
part of the Purchaser, the Servicer, Colonial, the Issuer or the Indenture Trustee in exercising any power or right hereunder (to
the extent such Person has any power or right hereunder) shall operate as a waiver thereof, nor shall any single or partial exercise
of any such power or right preclude any other or further exercise thereof or the exercise of any other power or right. No notice to
or demand on the Purchaser or Colonial in any case shall entitle it to any notice or demand in similar or other circumstances. No
waiver or approval by either party under this Agreement shall, except as may otherwise be stated in such waiver or approval, be
applicable to subsequent transactions. No waiver or approval under this Agreement shall require any similar or dissimilar waiver or
approval thereafter to be granted hereunder. Notwithstanding anything to the contrary in this Agreement or any other Transaction
Document, Colonial shall not be liable for any failure or delay in the performance of its obligations or the taking of any action
hereunder or under any other Transaction Document (and such failure or delay shall not constitute a breach of any Transaction
Document) if such failure or delay arises from compliance by Colonial with any law or court order, the direction of a regulatory
authority or regulatory guidance.</P>

<P STYLE="margin: 0pt 9.45pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">SECTION 4.8 <U>Entire Agreement</U>. The Transaction Documents
contain a final and complete integration of all prior expressions by the parties hereto with respect to the subject matter thereof and
shall constitute the entire agreement among the parties hereto with respect to the subject matter thereof, superseding all prior oral
or written understandings. There are no unwritten agreements among the parties with respect to the transactions described in the Transaction
Documents.</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 4.8pt 0pt 5pt">SECTION 4.9 <U>Severability of Provisions</U>. If any one or
more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants,
agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement
and shall in no way affect the validity or enforceability of the other provisions of this Agreement.</P>

<P STYLE="margin: 0pt 4.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 10.3pt 0pt 5pt">SECTION 4.10 <U>Binding Effect; Merger or
Consolidation</U>. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective
successors and permitted assigns. Any entity (i) into which Colonial may be merged or converted or with which it may be
consolidated, to which it may sell or transfer its business and assets as a whole or substantially as a whole or any entity
resulting from any merger, sale, transfer, conversion or consolidation to which Colonial shall be a party, or any entity succeeding
to the business of Colonial shall be the successor to Colonial under this Agreement and (ii) of which more than 50% of the voting
stock or voting power and 50% or more of the economic equity is owned directly or indirectly by America&#8217;s Car-Mart, Inc. and
which executes an agreement of assumption to perform every obligation of Colonial under this Agreement, shall be the successor to
Colonial under this Agreement, in each case, including but not limited to in connection with its obligation to repurchase
Receivables pursuant to <U>Section 3.4</U> and without the execution or filing of any additional paper or any further act on the
part of any of the parties hereto, other than as contemplated by <U>Section 3.5</U>. This Agreement shall create and constitute the
continuing obligations of the parties hereto in accordance with its terms, and shall remain in full force and effect until such time
as the parties hereto shall agree.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 9.2pt 0pt 5pt">&nbsp;</P>

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<P STYLE="margin: 0pt 9.2pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 9.2pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="margin: 0pt 9.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">SECTION 4.11 <U>Acknowledgment and Agreement</U>. By execution
below, Colonial expressly acknowledges and consents to the sale of the Purchased Assets and the assignment of all rights of the Purchaser
under this Agreement by the Purchaser to the Issuer pursuant to the Sale and Servicing Agreement and the Grant of a security interest
in the Receivables, the other Purchased Assets and the Issuer&#8217;s rights under this Agreement by the Issuer to the Indenture Trustee
pursuant to the Indenture for the benefit of the Noteholders. In addition, Colonial hereby acknowledges and agrees that for so long as
the Notes are outstanding, the Indenture Trustee will have the right to exercise all powers, privileges and claims of the Purchaser under
this Agreement in the event that the Purchaser shall fail to exercise the same.</P>

<P STYLE="margin: 0pt 9.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.4pt 0pt 5pt">SECTION 4.12 <U>Cumulative Remedies</U>. The remedies herein
provided are cumulative and not exclusive of any remedies provided by law.</P>

<P STYLE="margin: 0pt 16.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 9.8pt 0pt 5pt">SECTION 4.13 <U>Nonpetition Covenant</U>. Each party hereto
agrees that, prior to the date which is one year and one day after payment in full of all obligations of each Bankruptcy Remote Party,
in respect of all securities issued by any Bankruptcy Remote Party, (i) such party hereto shall not authorize any Bankruptcy Remote Party
to commence a voluntary winding-up or other voluntary case or other Proceeding seeking liquidation, reorganization or other relief with
respect to such Bankruptcy Remote Party or its debts under any bankruptcy, insolvency or other similar law now or hereafter in effect
in any jurisdiction or seeking the appointment of an administrator, a trustee, receiver, liquidator, custodian or other similar official
with respect to such Bankruptcy Remote Party or any substantial part of its property or to consent to any such relief or to the appointment
of or taking possession by any such official in an involuntary case or other Proceeding commenced against such Bankruptcy Remote Party,
or to make a general assignment for the benefit of its creditors generally, any party hereto or any other creditor of such Bankruptcy
Remote Party and (ii) such party shall not commence, join with any other Person in commencing or institute with any other Person, any
Proceeding against such Bankruptcy Remote Party under any bankruptcy, reorganization, liquidation or insolvency law or statute now or
hereafter in effect in any jurisdiction. This <U>Section 4.13</U> shall survive the termination of this Agreement.</P>

<P STYLE="margin: 0pt 9.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">SECTION 4.14 <U>Submission to Jurisdiction; Waiver of Jury
Trial</U>. Each of the parties hereto hereby irrevocably and unconditionally:</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 12.9pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>submits for itself and its property in any Proceeding relating to this Agreement or any documents executed and delivered in connection
herewith, or for recognition and enforcement of any judgment in respect thereof, to the nonexclusive general jurisdiction of the courts
of the State of New York, the courts of the United States of America for the Southern District of New York and appellate courts from any
thereof;</P>

<P STYLE="margin: 0pt 12.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14.55pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>consents
that any such Proceeding may be brought and maintained in such courts and waives any objection that it may now or hereafter have to
the venue of such Proceeding in any such court or that such Proceeding was brought in an inconvenient court and agrees not to plead
or claim the same;</P>

<P STYLE="margin: 0pt 14.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 14.55pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.55pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 13.95pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>agrees that service of process in any such Proceeding may be effected by mailing a copy thereof by registered or certified mail
(or any substantially similar form of mail), postage prepaid, to such Person at its address determined in accordance with <U>Section 4.2</U>
of this <FONT STYLE="letter-spacing: -0.1pt">Agreement;</FONT></P>

<P STYLE="margin: 0pt 13.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.05pt 0pt 5pt"><FONT STYLE="letter-spacing: -0.1pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>agrees that nothing herein shall affect the right to effect service of process in any other manner permitted by law or shall limit
the right to sue in any other jurisdiction; and</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; text-indent: 0.5in; margin: 0pt 16pt 0pt 5pt"><FONT STYLE="font-weight: normal; letter-spacing: -0.1pt">(e)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT>to
the extent permitted by applicable law, each party hereto irrevocably waives all right of trial by jury in any Proceeding or
counterclaim based on, or arising out of, under or in connection with this Agreement, any other Transaction Document, or any matter
arising hereunder or thereunder.</P>

<P STYLE="margin: 0pt 16pt 0pt 5pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">SECTION 4.15 <U>Third-Party Beneficiaries</U>. This Agreement
shall inure to the benefit of and be binding upon the parties hereto and their respective successors and permitted assigns, and each of
the Issuer, the Indenture Trustee, the Owner Trustee, the Servicer and the Backup Servicer shall be an express third-party beneficiary
hereof and may enforce the provisions hereof as if it were a party hereto. Except as otherwise provided in this Section, no other Person
will have any right hereunder.</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 2.9pt 0pt 0">[Remainder of Page Intentionally Left <FONT STYLE="letter-spacing: -0.1pt">Blank]</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt"></FONT></P>

<P STYLE="font-size: 10pt; text-indent: 35.15pt; margin: 0pt 16.4pt 0pt 13.35pt">IN WITNESS WHEREOF, the parties hereto have executed
this Agreement as of the day and year first written above.</P>

<P STYLE="margin: 0pt 16.4pt 0pt 13.35pt; font-size: 10pt; text-indent: 35.15pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 50%">&nbsp;</TD>
  <TD STYLE="width: 50%">&nbsp;<P STYLE="margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; font-size: 10pt"><B>COLONIAL AUTO FINANCE, <FONT STYLE="letter-spacing: -0.2pt">INC.</FONT></B></P>

<P STYLE="margin: 0pt 0; font-size: 10pt"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 0; font-size: 10pt"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 0; font-size: 10pt"><B>&nbsp;</B></P>

<P STYLE="margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; font-size: 10pt">By: <U>/s/ Vickie D. Judy</U>&#9;</P>

<P STYLE="margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; font-size: 10pt">Name: Vickie D. Judy</P>

<P STYLE="margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; font-size: 10pt">Title: Secretary</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; font-size: 10pt"><B>ACM FUNDING, <FONT STYLE="letter-spacing: -0.25pt">LLC</FONT></B></P>

<P STYLE="margin: 0pt 0; font-size: 10pt"><B>&nbsp;</B></P>

<P STYLE="margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; font-size: 10pt">By: <U>/s/ Vickie D. Judy</U>&#9;</P>

<P STYLE="margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; font-size: 10pt">Name: Vickie D. Judy</P>

<P STYLE="margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt; font-size: 10pt">Title: President</P>

</TD></TR>
</TABLE>

<P STYLE="margin: 0pt 16.4pt 0pt 13.35pt; font-size: 10pt; text-indent: 35.15pt"></P>

<P STYLE="margin: 0pt 0 0pt 500pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 500pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 500pt; font-size: 10pt"></P>

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<P STYLE="margin: 0pt 0 0pt 500pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>EXHIBIT <FONT STYLE="letter-spacing: -0.6pt">A</FONT></B></P>

<P STYLE="margin: 0pt 163.4pt 0pt 160.6pt; font-size: 10pt; text-align: center"><B><FONT STYLE="letter-spacing: -0.6pt">&nbsp;</FONT></B></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>FORM <FONT STYLE="letter-spacing: -0.25pt">OF</FONT></B></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>ASSIGNMENT PURSUANT TO PURCHASE AGREEMENT</B></P>

<P STYLE="margin: 0pt 81.85pt 0pt 78.9pt; font-size: 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 81.85pt 0pt 78.9pt; font-size: 10pt; text-align: center"><B><FONT STYLE="letter-spacing: -0.5pt">[</FONT>
<U>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</U>],
20[<U>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</U> ]</B></P>

<P STYLE="margin: 0pt 81.85pt 0pt 78.9pt; font-size: 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">For value received, in accordance with the Purchase Agreement (the
&#8220;<U>Agreement</U>&#8221;), <FONT STYLE="letter-spacing: -0.1pt">dated </FONT>as of May 29, 2025, between Colonial Auto
Finance, Inc., an Arkansas corporation (&#8220;<U>Colonial</U>&#8221;), and ACM Funding, LLC, a Delaware limited liability company
(the &#8220;<U>Purchaser</U>&#8221;), on the terms and subject to the conditions set forth in the Agreement, Colonial does hereby
irrevocably sell, transfer, assign, contribute and otherwise convey to the Purchaser on the Closing Date, without recourse (subject
to the obligations in the Agreement), all right, title and interest of Colonial, whether now owned or hereafter acquired, in, to and
under the Receivables set forth on the schedule of Receivables delivered by Colonial to the Purchaser on the date hereof, the
Collections after the Cut-Off Date, the Receivable Files and the Related Security relating thereto, which sale shall be effective as
of the Cut-Off Date.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">The foregoing sale does not constitute and is not intended
to result in an assumption by the Purchaser of any obligation of Colonial to the Obligors, the Originators, insurers or any other Person
in connection with the Receivables, or the other assets and properties conveyed hereunder or any agreement, document or instrument related
thereto.</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">This assignment is made pursuant to and upon the representations,
warranties and agreements on the part of the undersigned contained in the Agreement and is governed by the <FONT STYLE="letter-spacing: -0.1pt">Agreement.</FONT></P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">Capitalized terms used herein and not otherwise defined shall
have the meaning assigned to them in the Agreement.</P>

<P STYLE="margin: 0pt 8.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0pt">[Remainder of Page Intentionally Left <FONT STYLE="letter-spacing: -0.1pt">Blank]</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt"></FONT></P>

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<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.55pt 0pt 5pt">IN WITNESS HEREOF, the undersigned has caused this assignment
to be duly executed as of the date first above written.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 221pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD COLSPAN="2">COLONIAL AUTO FINANCE, <FONT STYLE="letter-spacing: -0.2pt">INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 50%">&nbsp;</TD>
  <TD STYLE="width: 5%">&nbsp;</TD>
  <TD STYLE="width: 45%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD><FONT STYLE="letter-spacing: -0.2pt">By:</FONT></TD>
  <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>Name:</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD><FONT STYLE="letter-spacing: -0.1pt">Title:</FONT></TD>
  <TD>&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

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<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

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<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt"><FONT STYLE="letter-spacing: -0.1pt"></FONT></P>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>SCHEDULE <FONT STYLE="letter-spacing: -0.5pt">I</FONT></B></P>

<P STYLE="margin: 0pt 163.4pt 0pt 160.65pt; font-size: 10pt; text-align: center"><B><FONT STYLE="letter-spacing: -0.5pt">&nbsp;</FONT></B></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>PERFECTION REPRESENTATIONS, WARRANTIES AND <FONT STYLE="letter-spacing: -0.1pt">COVENANTS</FONT></B></P>

<P STYLE="margin: 0pt 2.9pt 0pt 0; font-size: 10pt; text-align: center"><B><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></B></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">In addition to the representations, warranties and covenants contained
in this Agreement, Colonial hereby represents, warrants, and covenants to the Purchaser as follows on the Closing <FONT STYLE="letter-spacing: -0.1pt">Date:</FONT></P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="letter-spacing: -0.1pt"><B><U>General</U></B></FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14.55pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This Agreement creates a valid and continuing security interest (as defined in the applicable UCC) in the Receivables and the other Purchased
Assets in favor of the Purchaser, which security interest is prior to all other Liens, and is enforceable as such against creditors of
and purchasers from Colonial.</P>

<P STYLE="margin: 0pt 14.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 13.5pt 0pt 5pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Receivables constitute &#8220;tangible chattel paper,&#8221; &#8220;accounts,&#8221; &#8220;instruments&#8221; or &#8220;general intangibles,&#8221;
within the meaning of the UCC.</P>

<P STYLE="margin: 0pt 13.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.75pt 0pt 5pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Immediately prior to the sale, assignment and transfer thereof pursuant to this Agreement, each Receivable was secured by a first priority
validly perfected security interest in the related Financed Vehicle in favor of the Originator (or its assignee), as secured party, or
all necessary actions with respect to such Receivable have been taken or will be taken to perfect a first priority security interest in
the related Financed Vehicle in favor of the Originator (or its assignee), as secured party.</P>

<P STYLE="margin: 0pt 16.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="letter-spacing: -0.1pt"><B><U>Creation</U></B></FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Immediately prior to the sale, transfer, assignment and conveyance of a Receivable by Colonial to the Purchaser, Colonial owned and had
good and marketable title to such Receivable free and clear of any Lien created by Colonial (except any Lien which will be released prior
to assignment of such Receivable under the Purchase Agreement) and immediately after the sale, transfer, assignment and conveyance of
such Receivable to the Purchaser, the Purchaser will have good and marketable title to such Receivable free and clear of any Lien created
by Colonial (other than Permitted Liens).</P>

<P STYLE="margin: 0pt 8.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.95pt 0pt 5pt">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Colonial has received all consents and approvals to the sale of the Receivables hereunder to the Purchaser required by the terms of the
Receivables that constitute instruments.</P>

<P STYLE="margin: 0pt 17.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="letter-spacing: -0.1pt"><B><U>Perfection</U></B></FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 9.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 9.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Colonial has caused or will have caused, within ten days after the effective date of this Agreement, the filing of all appropriate financing
statements in the proper filing office in the appropriate jurisdictions under applicable law in order to perfect the sale of the Receivables
from Colonial to the Purchaser, and the security interest in the Receivables granted to the Purchaser hereunder; and the Servicer, in
its capacity as custodian, has in its possession the original copies of such instruments or tangible chattel paper that constitute or
evidence the Receivables, and all financing statements referred to in this paragraph contain a statement that: &#8220;A purchase of or</P>

<P STYLE="margin: 0pt 9.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->
<P STYLE="font-size: 10pt; margin: 0pt 10.6pt 0pt 5pt">security interest in any collateral described in this financing statement will
violate the rights of the Secured Party/Purchaser.&#8221;</P>

<P STYLE="margin: 0pt 10.6pt 0pt 5pt; font-size: 10pt"></P>


<P STYLE="margin: 0pt 10.6pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 9.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">7. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
With respect to Receivables that constitute instruments
or tangible chattel <FONT STYLE="letter-spacing: -0.1pt">paper,</FONT> either:</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT></TD><TD STYLE="padding-right: 26pt">All original executed copies of each such instrument or tangible chattel paper have been delivered to
the Indenture Trustee, as pledgee of the Issuer; or</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(ii)</FONT></TD><TD STYLE="padding-right: 9.05pt">Such instruments or tangible chattel paper are in the possession of the Servicer and the Indenture Trustee
has received a written acknowledgment from the Servicer that the Servicer (in its capacity as custodian) is holding such instruments or
tangible chattel paper solely on behalf and for the benefit of the Indenture Trustee, as pledgee of the Issuer; or</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(iii)</FONT></TD><TD STYLE="padding-right: 10.45pt">The Servicer received possession of such instruments or tangible chattel paper after the Indenture
Trustee received a written acknowledgment from the Servicer that the Servicer is acting solely as agent of the Indenture Trustee, not
in its individual capacity but solely as Indenture Trustee, as pledgee of the Issuer.</TD></TR></TABLE>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 163.45pt 0pt 160.3pt"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="letter-spacing: -0.1pt"><B><U>Priority</U></B></FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 8.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 8.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Colonial has not authorized the filing of, and is not aware of, any financing statements against Colonial that include a description of
collateral covering the Receivables other than any financing statement (i) relating to the conveyance of the Receivables by Colonial to
the Purchaser hereunder, (ii) relating to the conveyance of the Receivables by the Purchaser to the Issuer under the Sale and Servicing
Agreement, (iii) relating to the security interest granted by the Issuer to the Indenture Trustee under the Indenture or (iv) that has
been terminated.</P>

<P STYLE="margin: 0pt 8.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14.6pt 0pt 5pt">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Colonial is not aware of any material judgment, ERISA or tax lien filings against <FONT STYLE="letter-spacing: -0.1pt">Colonial.</FONT></P>

<P STYLE="margin: 0pt 14.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
None of the instruments or tangible chattel paper that constitute or evidence the Receivables has any marks or notations indicating that
they have been pledged, assigned or otherwise conveyed to any Person other than the Purchaser, the Issuer or the Indenture Trustee.</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B><U>Survival of Perfection <FONT STYLE="letter-spacing: -0.1pt">Representations</FONT></U></B></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 7.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding any other provision of this Agreement or any other Transaction Document, the perfection representations, warranties and
covenants contained in this Schedule I shall be continuing, and remain in full force and effect until such time as all obligations under
the Transaction Documents and the Notes have been finally and fully paid and performed.</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<!-- Field: Page; Sequence: 19; Value: 1 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 7.8pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B><U>No <FONT STYLE="letter-spacing: -0.1pt">Waiver</FONT></U></B></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 10.2pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Colonial shall provide the Rating Agency with prompt written notice of any material breach of the perfection representations, warranties
and covenants contained in this Schedule I, and shall not, without satisfying the Rating Agency Condition, waive a breach of any of such
perfection representations, warranties or covenants.</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="margin: 0pt 10.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>SCHEDULE <FONT STYLE="letter-spacing: -0.25pt">II</FONT></B></P>

<P STYLE="margin: 0pt 163.4pt 0pt 160.5pt; font-size: 10pt; text-align: center"><B><FONT STYLE="letter-spacing: -0.25pt">&nbsp;</FONT></B></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>REPRESENTATIONS AND WARRANTIES</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B>WITH RESPECT TO THE
RECEIVABLES</B></P>

<P STYLE="margin: 0pt 110.3pt 0pt 107.4pt; font-size: 10pt; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(a)</FONT></TD><TD STYLE="padding-right: 30pt"><I>Characteristics of Receivables</I>. As of the Cut-Off Date (or such other date as may be specifically
set forth below), each Receivable:</TD></TR></TABLE>

<P STYLE="margin: 0pt 13.3pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 13.3pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(i)</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;was fully and properly executed by the Obligor <FONT STYLE="letter-spacing: -0.1pt">thereto;</FONT></P>

<P STYLE="margin: 0pt 13.3pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>



<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 31.35pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>was
originated by America&#8217;s Car Mart or Texas Car-Mart and acquired by Colonial in accordance with the terms of a purchase agreement
among America&#8217;s Car Mart, Texas Car-Mart and Colonial;</P>

<P STYLE="margin: 0pt 31.35pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 13.3pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>as of the Closing Date, is secured by a first priority validly perfected security interest in the Financed Vehicle in favor of
the Originator, as secured party, or all necessary actions have been commenced that would result in a first priority security interest
in the Financed Vehicle in favor of the Originator, as secured party;</P>

<P STYLE="margin: 0pt 13.3pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 10pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>contained customary and enforceable provisions (except as such enforceability may be limited by debtor relief laws and general
principles of equity whether considered in a suit at law or in equity) such that the rights and remedies of the holder thereof are adequate
for realization against the collateral of the benefits of the security;</P>

<P STYLE="margin: 0pt 10pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.2pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>provided, at origination, for level monthly, semi-monthly, weekly or biweekly payments which fully amortize the initial Principal
Balance over the original term; <U>provided</U> that, the amount of the scheduled payments for the first ninety days after origination,
generally up to two annual scheduled payment(s) and the last scheduled payment may be different from the level payment;</P>

<P STYLE="margin: 0pt 16.2pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 12.05pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>provided for interest at the Contract Rate specified in the Schedule of Receivables;</P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(vii)</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;was
originated in the United States and denominated in <FONT STYLE="letter-spacing: -0.1pt">Dollars;</FONT></P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>



<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>was secured by a used automobile, light-duty truck, SUV or <FONT STYLE="letter-spacing: -0.2pt">van;</FONT></P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.2pt">&nbsp;</FONT></P>



<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"> <FONT STYLE="letter-spacing: -0.05pt">(ix)</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;had a Contract Rate of at least 14.75% and not more than <FONT STYLE="letter-spacing: -0.1pt">20.25%;</FONT></P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>



<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"> <FONT STYLE="letter-spacing: -0.05pt">(x)</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;had an original term to maturity of not more than 69 <FONT STYLE="letter-spacing: -0.1pt">months;</FONT></P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>



<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 10.35pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(xi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>had a remaining term to maturity of at least 5 months and not more than 69 months;</P>

<P STYLE="margin: 0pt 10.35pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 26.4pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(xii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>had an outstanding Principal Balance of at least $500.00 and no more than $50,000.00;</P>

<P STYLE="margin: 0pt 26.4pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<!-- Field: Page; Sequence: 21; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 3pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">Sch. II-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; margin: 0pt 0 0pt 1pt"><I>Purchase Agreement (ACMAT 2025-<FONT STYLE="letter-spacing: -0.25pt">2)</FONT></I></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 26.4pt 0pt 77pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 26.4pt 0pt 77pt; font-size: 10pt"></P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xiii)</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;had
a final scheduled payment due not later than June 30, <FONT STYLE="letter-spacing: -0.1pt">2031;</FONT></P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>



<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.05pt">(xiv)</FONT> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;was
not more than 30 days past <FONT STYLE="letter-spacing: -0.2pt">due;</FONT></P>

<P STYLE="margin: 0pt 12.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.2pt">&nbsp;</FONT></P>



<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 11.9pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(xv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>was not identified in the records of the Servicer as being subject to any pending bankruptcy proceeding;</P>

<P STYLE="margin: 0pt 11.9pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.65pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(xvi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>was not subject to a force-placed Insurance Policy on the related Financed Vehicle; and</P>

<P STYLE="margin: 0pt 22.65pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.05pt 0pt 77pt"><FONT STYLE="letter-spacing: -0.05pt">(xvii)&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>was a Simple Interest Receivable, and scheduled payments under such Receivable had been applied in accordance with the method for
allocating principal and interest set forth in such Receivable.</P>

<P STYLE="margin: 0pt 19.05pt 0pt 77pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(b)</FONT></TD><TD STYLE="padding-right: 12.1pt"><I>Compliance with Law.</I> The Receivable complied at the time it was originated or made in all material
respects with all requirements of applicable federal, state and local laws, and regulations thereunder, except where the failure to comply
(i) was remediated or cured in all material respects prior to the Cut-Off Date or (ii) would not render such Receivable unenforceable
or create liability for the Purchaser or the Issuer, as assignee of such <FONT STYLE="letter-spacing: -0.1pt">Receivable.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(c)</FONT></TD><TD STYLE="padding-right: 10.55pt"><I>Binding Obligation.</I> The Receivable constitutes the legal, valid and binding payment obligation
in writing of the related Obligor, enforceable by the holder thereof in accordance with its terms, except (i) as enforceability may be
limited by applicable bankruptcy, insolvency, reorganization, liquidation or other similar laws and equitable principles relating to or
affecting the enforcement of creditors&#8217; rights generally and (ii) as such Receivable may be modified by the application after the
Cut-Off Date of the Servicemembers Civil Relief Act, as amended, or similar state or local laws, to the extent applicable to the related
Obligor.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(d)</FONT></TD><TD STYLE="padding-right: 23.4pt"><I>Receivable in Force.</I> The Receivable has not been satisfied, subordinated or rescinded nor do
the records of the Servicer indicate that the related Financed Vehicle has been released from the lien of such Receivable in whole or
in part.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(e)</FONT></TD><TD STYLE="padding-right: 9.25pt"><I>No Default; No Waiver.</I> Except for payment delinquencies continuing for a period of not more than
30 days as of the Cut-Off Date, the records of the Servicer did not disclose that any default, breach, violation or event permitting acceleration
under the terms of the Receivable existed as of the Cut-Off Date or that any continuing condition that with notice or lapse of time, or
both, would constitute a default, breach, violation or event permitting acceleration under the terms of the Receivable existed as of the
Cut-Off Date and Colonial has not waived any of the foregoing that existed as of the Cut-Off Date<I>.</I></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(f)</FONT></TD><TD STYLE="padding-right: 10.9pt"><I>No Government Obligor.</I> The Obligor on the Receivable is not the United States or any state thereof
or any local government, or any agency, department, political subdivision or instrumentality of the United States or any state thereof
or any local government.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<!-- Field: Page; Sequence: 22; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 3pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">Sch. II-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; margin: 0pt 0 0pt 1pt"><I>Purchase Agreement (ACMAT 2025-<FONT STYLE="letter-spacing: -0.25pt">2)</FONT></I></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(g)</FONT></TD><TD STYLE="padding-right: 40.35pt"><I>Assignment.</I> No Receivable was originated in, or is subject to the laws of, any jurisdiction
under which the sale, transfer, assignment, contribution, conveyance or pledge of such Receivable would be unlawful, void, or voidable.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(h)</FONT></TD><TD STYLE="padding-right: 7.95pt"><I>Good Title.</I> As of the Closing Date and immediately prior to the sale and transfer contemplated
in the Purchase Agreement and the Sale and Servicing Agreement, Colonial had good and marketable title to and was the sole owner of each
Receivable free and clear of all Liens (except any Lien which will be released prior to assignment of such Receivable thereunder and Permitted
Liens), and, immediately upon the sale and transfer thereof, the Issuer will have good and marketable title to each Receivable, free and
clear of all Liens (other than Permitted Liens).</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(i)</FONT></TD><TD STYLE="padding-right: 23.15pt"><I>Characterization of Receivables.</I> Each Receivable constitutes either &#8220;tangible chattel
paper,&#8221; an &#8220;account,&#8221; an &#8220;instrument,&#8221; or a &#8220;general intangible,&#8221; each as defined in the <FONT STYLE="letter-spacing: -0.2pt">UCC.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(j)</FONT></TD><TD STYLE="padding-right: 49.1pt"><I>One Original.</I> There is only one executed original of the Contract related to each <FONT STYLE="letter-spacing: -0.1pt">Receivable.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 36pt"><FONT STYLE="letter-spacing: -0.1pt">(k)</FONT></TD><TD STYLE="padding-right: 8.4pt"><I>No Defenses</I>. The records of the Servicer do not reflect any material facts which have not been
remediated or cured which would constitute the basis for any right of rescission, offset, claim, counterclaim or defense with respect
to such Receivable or the same being asserted or threatened with respect to such Receivable.</TD></TR></TABLE>



<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="width: 33%">&nbsp;</TD>
  <TD STYLE="width: 34%"><P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">Sch. II-<FONT STYLE="letter-spacing: -0.5pt">3</FONT></P>
</TD>
  <TD STYLE="width: 33%"><P STYLE="text-align: right; font-size: 10pt; margin: 0pt 0 0pt 1pt"><I>Purchase Agreement (ACMAT 2025-<FONT STYLE="letter-spacing: -0.25pt">2)</FONT></I></P>
</TD></TR>
</TABLE>

<P STYLE="margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>4
<FILENAME>exh_102.htm
<DESCRIPTION>EXHIBIT 10.2
<TEXT>
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<P STYLE="margin: 0"></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: right; margin: 0pt 14.85pt 0pt 0">Exhibit 10.2</P>

<P STYLE="margin: 0pt 14.85pt 0pt 0; font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</P>

<P STYLE="margin: 0pt 14.85pt 0pt 0; font-size: 10pt; font-weight: bold; text-align: right">EXECUTION VERSION</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>


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<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.3pt 0pt 92.45pt"><B>SALE AND SERVICING AGREEMENT</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.5pt 0pt 92.35pt">by and among</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 102.3pt 0pt 92.45pt">ACM AUTO TRUST 2025-2,</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.4pt 0pt 92.35pt">as Issuer</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 9.95pt 0pt 0">ACM FUNDING, LLC,</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 9.95pt 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 9.95pt 0pt 0; font-size: 10pt; text-align: center">as Seller</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 9.95pt 0pt 0">AMERICA&#8217;S CAR MART, INC.,</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.4pt 0pt 92.35pt">&nbsp;</P>

<P STYLE="margin: 0pt 102.4pt 0pt 92.35pt; font-size: 10pt; text-align: center">as Servicer</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 102.35pt 0pt 92.35pt">DEUTSCHE BANK NATIONAL TRUST COMPANY,</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.3pt 0pt 92.35pt">as Indenture Trustee, Calculation Agent and Paying Agent</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.35pt; font-size: 10pt; text-align: center">and</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 9.95pt 0pt 0">SYSTEMS &amp; SERVICES TECHNOLOGIES, INC.,</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 9.95pt 0pt 0">as Backup Servicer</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.3pt 0pt 92.45pt"><B>Dated as of May 29, 2025</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

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<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 9.95pt 0pt 0"></P>

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<P STYLE="margin: 0pt 9.95pt 0pt 0; font-size: 10pt; font-weight: bold; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="margin: 0pt 9.95pt 0pt 0; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 20%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 65%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 10%">Page</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">ARTICLE I DEFINITIONS AND USAGE</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 1.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Definitions.</TD>
    <TD STYLE="vertical-align: middle; text-align: right">1</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 1.2</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Other Interpretive Provisions</TD>
    <TD STYLE="vertical-align: middle; text-align: right">1</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: middle">ARTICLE II CONVEYANCE OF TRANSFERRED ASSETS</TD>
    <TD STYLE="vertical-align: middle; text-align: right">2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 2.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Conveyance of Transferred Assets</TD>
    <TD STYLE="vertical-align: middle; text-align: right">2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 2.2</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Custody of Receivable Files.</TD>
    <TD STYLE="vertical-align: middle; text-align: right">2</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: middle">ARTICLE III ADMINISTRATION AND SERVICING OF RECEIVABLES AND TRUST PROPERTY</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Duties of Servicer</TD>
    <TD STYLE="vertical-align: middle; text-align: right">4</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.2</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Collection of Receivable Payments.</TD>
    <TD STYLE="vertical-align: middle; text-align: right">6</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.3</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Repossession of Financed Vehicles; Sales of Deficiency Balances Balances</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">7</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.4</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Maintenance of Security Interests in Financed Vehicles</TD>
    <TD STYLE="vertical-align: middle; text-align: right">8</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.5</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Covenants of Servicer</TD>
    <TD STYLE="vertical-align: middle; text-align: right">8</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.6</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Purchase of Receivables Upon Breach</TD>
    <TD STYLE="vertical-align: middle; text-align: right">8</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.7</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Servicing Fee</TD>
    <TD STYLE="vertical-align: middle; text-align: right">9</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.8</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Monthly Data File</TD>
    <TD STYLE="vertical-align: middle; text-align: right">9</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.9</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Annual Officer&rsquo;s Certificate; Notice of Servicer Replacement Event</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">9</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.10</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Servicer Expenses</TD>
    <TD STYLE="vertical-align: middle; text-align: right">10</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.11</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Exchange Act Filings</TD>
    <TD STYLE="vertical-align: middle; text-align: right">10</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 3.12</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Calculation Agent</TD>
    <TD STYLE="vertical-align: middle; text-align: right">10</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="3" STYLE="text-align: left">ARTICLE IV DISTRIBUTIONS; ACCOUNTS STATEMENTS TO THE CERTIFICATEHOLDERS AND THE NOTEHOLDERS</TD>
    <TD STYLE="text-align: right">10</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 4.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Establishment of Accounts.</TD>
    <TD STYLE="vertical-align: middle; text-align: right">10</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 4.2</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Remittances</TD>
    <TD STYLE="vertical-align: middle; text-align: right">14</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 4.3</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Additional Deposits and Payments.</TD>
    <TD STYLE="vertical-align: middle; text-align: right">14</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 4.4</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Distributions</TD>
    <TD STYLE="vertical-align: middle; text-align: right">15</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 4.5</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Net Deposits</TD>
    <TD STYLE="vertical-align: middle; text-align: right">16</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 4.6</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Statements to Noteholders and Certificateholders</TD>
    <TD STYLE="vertical-align: middle; text-align: right">16</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 4.7</TD>
    <TD STYLE="vertical-align: middle; text-align: left">No Duty to Confirm</TD>
    <TD STYLE="vertical-align: middle; text-align: right">18</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">ARTICLE V THE SELLER</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">18</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 5.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Representations and Warranties of Seller</TD>
    <TD STYLE="vertical-align: middle; text-align: right">18</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 5.2</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Liability of Seller; Indemnities</TD>
    <TD STYLE="vertical-align: middle; text-align: right">20</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 5.3</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Merger or Consolidation of, or Assumption of the Obligations of, Seller</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">21</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 5.4</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Limitation on Liability of Seller and Others</TD>
    <TD STYLE="vertical-align: middle; text-align: right">21</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 5.5</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Seller May Own Notes</TD>
    <TD STYLE="vertical-align: middle; text-align: right">22</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 5.6</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Compliance with Organizational Documents</TD>
    <TD STYLE="vertical-align: middle; text-align: right">22</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2">ARTICLE VI THE SERVICER</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">22</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 6.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Representations of Servicer</TD>
    <TD STYLE="vertical-align: middle; text-align: right">22</TD></TR>
  </TABLE>

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<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><B>TABLE OF CONTENTS</B></P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">(continued) &nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 20%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 65%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 10%">Page</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 6.2</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Indemnities of Servicer</TD>
    <TD STYLE="vertical-align: middle; text-align: right">23</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 6.3</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Merger or Consolidation of, or Assumption of the Obligations of, Servicer</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">25</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 6.4</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Limitation on Liability of Servicer and Others.</TD>
    <TD STYLE="vertical-align: middle; text-align: right">25</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 6.5</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Delegation of Duties</TD>
    <TD STYLE="vertical-align: middle; text-align: right">26</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 6.6</TD>
    <TD STYLE="vertical-align: middle; text-align: left">America&rsquo;s Car Mart Servicing Not to Resign as Servicer</TD>
    <TD STYLE="vertical-align: middle; text-align: right">26</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 6.7</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Servicer May Own Notes</TD>
    <TD STYLE="vertical-align: middle; text-align: right">26</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: middle">ARTICLE VII TERMINATION OF SERVICER</TD>
    <TD STYLE="vertical-align: middle; text-align: right">27</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 7.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Termination and Replacement of Servicer</TD>
    <TD STYLE="vertical-align: middle; text-align: right">27</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 7.2</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Notification to Noteholders</TD>
    <TD STYLE="vertical-align: middle; text-align: right">28</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 7.3</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Limitation of Liability of Successor Servicer</TD>
    <TD STYLE="vertical-align: middle; text-align: right">28</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 7.4</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Reliance on Work Product</TD>
    <TD STYLE="vertical-align: middle; text-align: right">29</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 7.5</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Initial Servicer&rsquo;s Agent</TD>
    <TD STYLE="vertical-align: middle; text-align: right">30</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: middle">ARTICLE VIII CLEAN-UP CALL</TD>
    <TD STYLE="vertical-align: middle; text-align: right">30</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 8.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Clean-Up Call by Servicer</TD>
    <TD STYLE="vertical-align: middle; text-align: right">30</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: middle">ARTICLE IX MISCELLANEOUS PROVISIONS</TD>
    <TD STYLE="vertical-align: middle; text-align: right">31</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.1</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Amendment</TD>
    <TD STYLE="vertical-align: middle; text-align: right">31</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.2</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Protection of Title</TD>
    <TD STYLE="vertical-align: middle; text-align: right">32</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.3</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Other Liens or Interests</TD>
    <TD STYLE="vertical-align: middle; text-align: right">33</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.4</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Transfers Intended as Sale; Security Interest</TD>
    <TD STYLE="vertical-align: middle; text-align: right">34</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.5</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Information Requests</TD>
    <TD STYLE="vertical-align: middle; text-align: right">35</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.6</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Notices, Etc</TD>
    <TD STYLE="vertical-align: middle; text-align: right">35</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.7</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Choice of Law</TD>
    <TD STYLE="vertical-align: middle; text-align: right">35</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.8</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Headings</TD>
    <TD STYLE="vertical-align: middle; text-align: right">35</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.9</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Counterparts and Electronic Signature</TD>
    <TD STYLE="vertical-align: middle; text-align: right">35</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.10</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Waivers</TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.11</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Entire Agreement</TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.12</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Severability of Provisions</TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.13</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Binding Effect</TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.14</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Acknowledgment and Agreement</TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.15</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Cumulative Remedies</TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.16</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Nonpetition Covenant</TD>
    <TD STYLE="vertical-align: middle; text-align: right">36</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.17</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Submission to Jurisdiction; Waiver of Jury Trial</TD>
    <TD STYLE="vertical-align: middle; text-align: right">37</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.18</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Limitation of Liability.</TD>
    <TD STYLE="vertical-align: middle; text-align: right">37</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.19</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Third-Party Beneficiaries</TD>
    <TD STYLE="vertical-align: middle; text-align: right">38</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.20</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Information to Be Provided by the Indenture Trustee</TD>
    <TD STYLE="vertical-align: middle; text-align: right">38</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left">SECTION 9.21</TD>
    <TD STYLE="vertical-align: middle; text-align: left">AML Law</TD>
    <TD STYLE="vertical-align: middle; text-align: right">39</TD></TR>
  </TABLE>

<P STYLE="margin: 0pt 9.95pt 0pt 0; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 9.95pt 0pt 0; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

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<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><B>TABLE OF CONTENTS</B></P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt">(continued) &nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 5%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 20%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 65%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 10%">Page</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">Schedule I&nbsp;&nbsp;&nbsp;Notice Addresses</TD>
    <TD STYLE="vertical-align: middle; text-align: right">I-1</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">Exhibit A&nbsp;&nbsp;Form of Assignment pursuant to Sale and Servicing Agreement</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">A-1</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">Exhibit B&nbsp;&nbsp;Perfection Representations, Warranties and Covenants&nbsp;</TD>
    <TD STYLE="text-align: right">B-1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3">Exhibit C&nbsp;&nbsp;&nbsp;Monthly Data File&nbsp;</TD>
    <TD STYLE="text-align: right">C-1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: bottom">Appendix A&nbsp;&nbsp;Definitions</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
  </TABLE>
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<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">SALE AND SERVICING AGREEMENT, is made and entered into as of
May 29, 2025 (as amended, restated, supplemented or otherwise modified and in effect from time to time, this &#8220;<U>Agreement</U>&#8221;),
by and among ACM AUTO TRUST 2025-2, a Delaware statutory trust (the &#8220;<U>Issuer</U>&#8221;), ACM FUNDING, LLC, a Delaware limited
liability company, as seller (the &#8220;<U>Seller</U>&#8221;), AMERICA&#8217;S CAR MART, INC., an Arkansas corporation (&#8220;<U>America&#8217;s
Car Mart</U>&#8221;), as servicer (in such capacity, the &#8220;<U>Servicer</U>&#8221;), DEUTSCHE BANK NATIONAL TRUST COMPANY, a national
banking association, as indenture trustee (in such capacity, the &#8220;<U>Indenture Trustee</U>&#8221;), as paying agent (in such capacity,
the &#8220;<U>Paying Agent</U>&#8221;) and as calculation agent (in such capacity, the &#8220;<U>Calculation Agent</U>&#8221;), and SYSTEMS
&amp; SERVICES TECHNOLOGIES, INC., as backup servicer (the &#8220;<U>Backup Servicer</U>&#8221;).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 31.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 31.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">WHEREAS, the Issuer desires to purchase
from the Seller a portfolio of motor vehicle receivables, including motor vehicle retail installment sales contracts that are secured
by used automobiles, light-duty trucks, SUVs and vans;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 27.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 27.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">WHEREAS, the Seller is willing to sell
such portfolio of motor vehicle receivables and related property to the Issuer; and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">WHEREAS, America&#8217;s Car Mart is willing to service such motor
vehicle receivables and related property on behalf of the Issuer;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">NOW, THEREFORE, in consideration of the premises and the mutual
covenants herein contained, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the
parties hereto, intending to be legally bound, agree as follows:</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: 45.1pt; margin: 0pt 157.3pt 0pt 162.65pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">ARTICLE I</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">DEFINITIONS
AND USAGE</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 1.1&#9;</B><U>Definitions</U>. Except as otherwise defined herein or
as the context may otherwise require, capitalized terms used but not otherwise defined herein are defined in <U>Appendix A</U>
hereto, which also contains rules as to usage that are applicable herein<U>.Other Interpretive Provisions</U>. For purposes of this
Agreement, unless the context otherwise requires: (a) accounting terms not otherwise defined in this Agreement, and accounting terms
partly defined in this Agreement to the extent not defined, shall have the respective meanings given to them under GAAP (provided
that, to the extent that the definitions in this Agreement and GAAP conflict, the definitions in this Agreement shall control); (b)
terms defined in Article 9 of the UCC as in effect in the relevant jurisdiction and not otherwise defined in this Agreement are used
as defined in that Article; (c) the words &#8220;hereof,&#8221; &#8220;herein&#8221; and &#8220;hereunder&#8221; and words of
similar import refer to this Agreement as a whole and not to any particular provision of this Agreement; (d) references to any
Article, Section, Schedule, Appendix or Exhibit are references to Articles, Sections, Schedules, Appendices and Exhibits in or to
this Agreement and</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->
<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt">references to any paragraph, subsection, clause or other subdivision within any Section or definition refer to
such paragraph, subsection, clause or other subdivision of such Section or definition; (e) the term &#8220;including&#8221; and all
variations thereof means &#8220;including without limitation&#8221;; (f) except as otherwise expressly provided herein, references
to any law or regulation refer to that law or regulation as amended from time to time and include any successor law or regulation;
(g) references to any Person include that Person&#8217;s successors and assigns; and (h) headings are for purposes of reference only
and shall not otherwise affect the meaning or interpretation of any provision hereof.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin: 0pt 102.3pt 0pt 92.55pt"></P>


<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">ARTICLE II</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt"><B>CONVEYANCE OF TRANSFERRED ASSETS</B></P>

<P STYLE="margin: 0pt 9.95pt 0pt 0; font-size: 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt"><B>SECTION 2.1&#9;</B><U>Conveyance of Transferred Assets</U>.
In consideration of the Issuer&#8217;s sale and delivery to, or upon the order of, the Seller of all of the Notes and the Certificate
on the Closing Date, the Seller does hereby irrevocably sell, transfer, assign, contribute and otherwise convey to the Issuer without
recourse (subject to the obligations herein) all right, title and interest of the Seller, whether now owned or hereafter acquired, in,
to and under the Transferred Assets, as evidenced by an assignment substantially in the form of <U>Exhibit A</U> delivered on the Closing
Date. The sale, transfer, assignment and conveyance made hereunder does not constitute and is not intended to result in an assumption
by the Issuer of any obligation of the Seller or the Originators to the Obligors, insurers or any other Person in connection with the
Receivables or the other assets and properties conveyed hereunder or any agreement, document or instrument related thereto.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 2.2&#9;</B><U>Custody of Receivable Files</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 24.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 24.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Custody</U>. The Issuer and the Indenture Trustee, not in its individual capacity but solely as Indenture Trustee, upon the execution
and delivery of this Agreement, hereby revocably appoint the Servicer, and the Servicer hereby accepts such appointment, to act as the
agent of the Issuer and the Indenture Trustee as custodian of the Receivable Files, which are hereby or will hereby be constructively
delivered to the Indenture Trustee (or its agent or designee), as pledgee of the Issuer pursuant to the Indenture. &#8220;Receivable File&#8221;
means, with respect to each Receivable, the following documents or instruments (but only to the extent applicable to such Receivable),
which may be held in tangible paper form or electronic form:</P>

<P STYLE="margin: 0pt 24.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(i)</TD><TD STYLE="padding-right: 47.75pt">the fully executed original related to such Receivable, including any written amendments or extensions
thereto;</TD></TR></TABLE>

<P STYLE="margin: 0pt 24.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(ii)</TD><TD STYLE="padding-right: 17.35pt">the original Certificate of Title or, if not yet received, evidence that an application therefor has
been submitted with the appropriate authority or the applicable document (electronic or otherwise, as used in the applicable jurisdiction)
that the Servicer keeps on file, in accordance with its Customary Servicing Practices, evidencing the security interest of the Originator
in the Financed Vehicle; and</TD></TR></TABLE>

<P STYLE="margin: 0pt 24.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(iii)</TD><TD STYLE="padding-right: 19.05pt">any and all other documents that the applicable Originator, the Servicer or the Seller keeps on file,
in accordance with its customary practices or Customary Servicing Practices, as applicable, relating to a Receivable, an Obligor or a
Financed Vehicle.</TD></TR></TABLE>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.25pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Safekeeping</U>. The Servicer, in its capacity as custodian, shall hold the Receivable Files for the benefit of the Issuer and the
Indenture Trustee, as pledgee of the Issuer. In</P>

<P STYLE="margin: 0pt 19.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
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<P STYLE="font-size: 10pt; margin: 0pt 19.15pt 0pt 5pt">performing its duties as custodian, the Servicer shall act in accordance with
its Customary Servicing Practices. The Servicer will promptly report to the Issuer and the Indenture Trustee any failure on its part to
hold a material portion of the Receivable Files or to maintain its accounts, records, and computer systems as herein provided and shall
promptly take appropriate action to remedy any such failure. Nothing herein will be deemed to require an initial review or any periodic
review by the Issuer or the Indenture Trustee of the Receivable Files. The Servicer may, in accordance with its Customary Servicing Practices:
(i) maintain all or a portion of the Receivable Files in electronic form and (ii) maintain custody of all or any portion of the Receivable
Files with one or more of its agents or designees.</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 25.35pt 0pt 5pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Maintenance of and Access to Records</U>. The Servicer will maintain each Receivable File in the United States (it being understood
that the Receivable Files, or any part thereof, may be maintained at the offices of any Person to whom the Servicer has delegated responsibilities
in accordance with <U>Section 6.5</U>). The Servicer will make available to the Issuer and the Indenture Trustee or their duly authorized
representatives, attorneys or auditors a list of locations of the Receivable Files upon request. The Servicer will provide access to the
Receivable Files, and the related accounts records, and computer systems maintained by the Servicer at such times as the Issuer or the
Indenture Trustee direct, but only upon reasonable notice and during the normal business hours at the respective offices of the Servicer.</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt">&nbsp;</P>



<P STYLE="margin: 0pt 18.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Release of Documents</U>. Upon written instructions from the Indenture Trustee, the Servicer will release or cause to be released any
document in the Receivable Files to the Indenture Trustee, the Indenture Trustee&#8217;s agent or the Indenture Trustee&#8217;s designee,
as the case may be, at such place or places as the Indenture Trustee may designate, as soon thereafter as is practicable. Any document
so released will be handled by the Indenture Trustee, its agent or designee, as the case may be, with reasonable care and returned to
the Servicer for safekeeping as soon as the Indenture Trustee or its agent or designee, as the case may be, has no further need therefor.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 17.2pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.2pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Instructions; Authority to Act</U>. All instructions from the Indenture Trustee will be in writing and signed by an Authorized Officer
of the Indenture Trustee, and the Servicer will be deemed to have received proper instructions with respect to the Receivable Files upon
its receipt of such written instructions.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Custodian&#8217;s Indemnification</U>. Subject to <U>Section 6.2</U>, the Servicer as custodian will indemnify the Issuer, the Owner
Trustee and the Indenture Trustee for any and all liabilities, obligations, losses, compensatory damages, payments, costs, or expenses
(including reasonable attorneys&#8217; fees and expenses and court costs and any losses incurred in connection with a successful defense,
in whole or part, of any claim that the Indenture Trustee or the Owner Trustee breached its standard of care and legal fees and expenses
incurred in actions against the indemnifying party) of any kind whatsoever that may be imposed on, incurred by or asserted against the
Issuer, the Owner Trustee or the Indenture Trustee as the result of any improper act or omission in any way relating to the maintenance
and custody by the Servicer as custodian of the Receivable Files or the enforcement of the Issuer&#8217;s, the Owner Trustee&#8217;s or
the Indenture Trustee&#8217;s rights (including indemnification rights) under the Transaction Documents; <U>provided</U>, <U>however</U>,
that the Servicer as custodian will not be liable (i) to the Indenture Trustee, the Owner Trustee or the Issuer for any portion of any
such amount resulting from the willful misconduct,</P>

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<P STYLE="margin: 0pt 15.1pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 16.3pt 0pt 5pt">bad faith or gross negligence of the Indenture Trustee, the Owner Trustee or the
Issuer, respectively, or (ii) to the Indenture Trustee for any portion of any such amount resulting from the failure of the Indenture
Trustee, the Indenture Trustee&#8217;s agent or the Indenture Trustee&#8217;s designee to handle with reasonable care any Certificate
of Title or other document released to the Indenture Trustee, the Indenture Trustee&#8217;s agent or the Indenture Trustee&#8217;s designee
pursuant to <U>Section 2.2(d)</U>. The provisions of this <U>Section 2.2(f)</U> shall survive the termination or assignment of this Agreement
and the resignation or removal of the Indenture Trustee or the Servicer, in its capacity as custodian. The Servicer shall not be responsible
for any loss occasioned by the failure of the Indenture Trustee or its agent or designee to return any documents or any delay in doing
so.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Effective Period and Termination</U>. The Servicer&#8217;s appointment as custodian will become effective as of the Cut-Off Date and
will continue in full force and effect until terminated pursuant to this <U>Section 2.2</U>. If America&#8217;s Car Mart resigns as Servicer
in accordance with the provisions of this Agreement or if all of the rights and obligations of the Servicer have been terminated under
<U>Section 7.1</U>, the appointment of the Servicer as custodian hereunder may be terminated by the Indenture Trustee (acting at the direction
of the Noteholders representing at least a majority of the Note Balance of the Controlling Class), or by the Noteholders of Notes evidencing
not less than a majority of the Note Balance of the Controlling Class (or, if the Notes are no longer Outstanding, by the Majority Certificateholders),
in the same manner as the Indenture Trustee or such Noteholders (or Certificateholders) may terminate the rights and obligations of the
Servicer under <U>Section 7.1</U>. As soon as practicable after any termination of such appointment, the Servicer will deliver to the
Successor Servicer the Receivable Files and the related accounts and records maintained by the Servicer at such place or places as the
Indenture Trustee may reasonably designate.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 30.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 30.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Liability of Indenture Trustee</U>. The Indenture Trustee shall not be liable for the acts or omissions of the Servicer, in its capacity
as custodian of the Receivable Files.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; margin: 0pt 0 0pt 203.1pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">ARTICLE III</P>

<P STYLE="font-size: 10pt; text-indent: -1pt; margin: 0pt 51.35pt 0pt 125.35pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt"><B>ADMINISTRATION AND SERVICING OF RECEIVABLES AND TRUST
PROPERTY</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt"><B>SECTION 3.1&#9;</B><U>Duties of Servicer</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to the limitations set forth in <U>Article VII</U> with respect to any Successor Servicer, the Servicer is hereby appointed by
the Issuer and authorized to act as agent for the Issuer and in such capacity shall manage, service, administer and make collections on
the Receivables, and perform the other actions required by the Servicer under this Agreement. The Servicer agrees that its servicing of
the Receivables will be carried out in accordance with its Customary Servicing Practices, using the degree of skill and attention that
the Servicer exercises with respect to all comparable motor vehicle receivables that it services for itself or others. The Servicer&#8217;s
duties will include collection and posting of all payments, responding to inquiries of Obligors on such Receivables, investigating delinquencies,
providing invoices or payment coupons (which may be in electronic form) to Obligors, reporting any required tax information to Obligors,
accounting for Collections and furnishing monthly and annual statements to the</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 18.8pt 0pt 5pt">Calculation Agent with respect to collections and performing the other duties specified
herein. The Servicer is not required under the Transaction Documents to make any disbursements via wire transfer or otherwise on behalf
of an Obligor. There are no requirements under the Receivables or the Transaction Documents for funds to be, and funds shall not be, held
in trust for an Obligor. There are no requirements under the Receivables or the Transaction Documents for payments or disbursements to
be made by the Servicer on behalf of the Obligor. The Servicer hereby accepts such appointment and authorization and agrees to perform
the duties of Servicer with respect to the Receivables set forth herein. Notwithstanding anything to the contrary in this Agreement or
any other Transaction Document, the Servicer shall not be liable for any failure or delay in the performance of its obligations or the
taking of any action hereunder or under any other Transaction Document (and such failure or delay shall not constitute a breach of any
Transaction Document or a Servicer Replacement Event) if such failure or delay arises from compliance by the Servicer with any law or
court order, the direction of a regulatory authority or regulatory guidance.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to the provisions of <U>Section 3.2</U> and any other provisions in this Agreement restricting the Servicer or specifying obligations
different from the Customary Servicing Practices, the Servicer will follow its Customary Servicing Practices and will have full power
and authority to do any and all things in connection with such managing, servicing, administration and collection that it may deem necessary
or desirable. Without limiting the generality of the foregoing, the Servicer is hereby authorized and empowered to execute and deliver,
on behalf of itself, the Issuer, the Owner Trustee, the Indenture Trustee, the Noteholders, the Certificateholders, or any of them, any
and all instruments of satisfaction or cancellation, or partial or full release or discharge, and all other comparable instruments, with
respect to the Receivables or to the Financed Vehicles securing such Receivables. The Servicer is hereby authorized to commence, but shall
not be obligated to commence, in its own name or in the name of the Issuer, a Proceeding to enforce a Receivable or an Insurance Policy
or to commence or participate in any other Proceeding (including a bankruptcy proceeding) relating to or involving a Receivable, an Obligor,
a Financed Vehicle or an Insurance Policy. If the Servicer commences a Proceeding to enforce a Receivable or an Insurance Policy, the
Issuer will thereupon be deemed to have automatically assigned such Receivable or its rights under such Insurance Policy to the Servicer
solely for purposes of commencing or participating in any such Proceeding as a party or claimant, and the Servicer is authorized and empowered
by the Issuer to execute and deliver in the Servicer&#8217;s name any notices, demands, claims, complaints, responses, affidavits or other
documents or instruments in connection with any such Proceeding. If in any enforcement suit or Proceeding it is held that the Servicer
may not enforce a Receivable or Insurance Policy on the ground that it is not a real party in interest or a holder entitled to enforce
the Receivable or Insurance Policy, the Issuer will, at the Servicer&#8217;s expense and direction, take steps to enforce the Receivable
or Insurance Policy, including bringing suit in its name. The Issuer will furnish the Servicer with any powers of attorney and other documents
reasonably necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties hereunder. The Servicer,
at its expense, will obtain on behalf of the Issuer all licenses, if any, required by the laws of any jurisdiction to be held by the Issuer
in connection with ownership of the Receivables, and will make all filings and pay all fees as may be required in connection therewith
during the term hereof. Notwithstanding the foregoing, if the initial Servicer has been replaced by a Successor Servicer, any expenses
or fees payable by the Servicer pursuant to this clause (b) shall</P>

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<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">be reimbursable by the Issuer in accordance with <U>Section 4.4(a)</U> of this
Agreement or Section 5.4(b) of the Indenture, as applicable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer hereby agrees to perform its obligations under the Backup Servicing Agreement and agrees that upon its resignation and the
appointment of a successor Servicer hereunder, the Servicer will terminate its activities as Servicer hereunder in accordance with <U>Section
7.1</U>, and, in any case, in a manner which will facilitate the transition of the performance of such activities to such successor Servicer,
and the Servicer shall cooperate with and assist such successor Servicer.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 48.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 48.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer shall not be required to monitor whether Obligors maintain an Insurance Policy on the Financed Vehicles.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 3.2&#9;</B><U>Collection of Receivable Payments</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.2pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer will make reasonable efforts to collect all payments called for under the terms and provisions of the Receivables as and
when the same become due in accordance with its Customary Servicing Practices. The Servicer may grant extensions, rebates, deferrals,
amendments, modifications or adjustments with respect to any Receivable in accordance with its Customary Servicing Practices. Notwithstanding
the foregoing, if the Servicer (i) extends the date for final payment by the Obligor of any Receivable beyond the last day of the Collection
Period immediately preceding the latest Final Scheduled Payment Date of any Class of Notes issued under the Indenture or (ii) reduces
the Contract Rate or Principal Balance with respect to any Receivable other than (A) as required by applicable law or court order, (B)
in connection with a modification, adjustment or settlement in the event the Receivable becomes a Defaulted Receivable, (C) in connection
with a Cram Down Loss relating to such Receivable, (D) in connection with the application by the Servicer of payments received from either
of the Originators and applied to reduce the Principal Balance of such Receivable, (E) at the direction of a regulatory authority or in
accordance with regulatory guidance or (F) if the related Obligor is a servicemember in military service or is the spouse of a dependent
of a servicemember, it will either correct such action or promptly purchase such Receivable in the manner provided in, and subject to
the conditions set forth in, <U>Section 3.6</U>. The Servicer may in its discretion waive any late payment charge or any other fees that
may be collected in the ordinary course of servicing a Receivable. The Servicer shall not be required to make any advances of funds or
guarantees regarding collections, cash flows or distributions. Payments on the Receivables, including payoffs, made in accordance with
the related documentation for such Receivables, shall be posted to the Servicer&#8217;s Obligor records in accordance with the Servicer&#8217;s
Customary Servicing Practices. Such payments shall be allocated to principal, interest or other items in accordance with the related documentation
for such Receivables.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to the third sentence of <U>Section 3.2(a)</U>, the Servicer and its Affiliates may engage in any marketing practice or promotion
or any sale of any products, goods or services to Obligors with respect to the related Receivables so long as such practices, promotions
or sales are offered to obligors of comparable motor vehicle receivables serviced by the Servicer for itself and others, whether or not
such practices, promotions or sales might result in a decrease in the aggregate amount of payments on the Receivables, prepayments or
faster or slower timing of the payment of the Receivables.</P>

<P STYLE="margin: 0pt 15.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 15.1pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.2pt 0pt 5pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding anything in this Agreement to the contrary, the Servicer may refinance any Receivable and deposit the full outstanding
Principal Balance of such Receivable into the Collection Account. The receivable created by such refinancing shall not be property of
the Issuer. The amount financed shall be treated for all purposes, including for tax purposes, as a payoff of all amounts owed by the
related Obligor with respect to such Receivable. The Servicer and its Affiliates may also sell insurance or debt cancellation products,
including products which result in the cancellation of some or all of the amount of a Receivable upon the death or disability of the Obligor
or any casualty with respect to the Financed Vehicle.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Records documenting collection efforts shall be maintained during the period a Receivable is delinquent in accordance with the Servicer&#8217;s
Customary Servicing Practices. Such records shall be maintained on at least a periodic basis that is not less frequent than as prescribed
by the Servicer&#8217;s Customary Servicing Practices, and describe the entity&#8217;s activities in monitoring delinquent pool assets
including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness
or unemployment) in accordance with the Servicer&#8217;s Customary Servicing Practices.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 53.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 53.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer shall not be required to maintain a fidelity bond or errors and omissions policy.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.3&#9;</B><U>Repossession of Financed
Vehicles; Sales of Deficiency Balances</U>. On behalf of the Issuer, the Servicer will use commercially reasonable efforts,
consistent with its Customary Servicing Practices, to repossess or otherwise convert the ownership of and liquidate the Financed
Vehicle securing any Receivable as to which the Servicer has determined eventual payment in full is unlikely; provided, however,
that the Servicer may elect not to repossess a Financed Vehicle if in its sole discretion it determines that repossession will not
increase the aggregate Liquidation Proceeds or that the proceeds ultimately recoverable with respect to such Receivable would be
increased by forbearance or that repossessing such Financed Vehicle would otherwise not be consistent with the Servicer&#8217;s
Customary Servicing Practices. The Servicer is authorized as it deems necessary or advisable, consistent with its Customary
Servicing Practices, to make reasonable efforts to realize upon any recourse to either Originator and to sell the related Financed
Vehicle at public or private third-party sale. The foregoing shall be subject to the provision that, in any case in which the
Financed Vehicle has suffered damage, the Servicer shall not be required to expend funds in connection with the repair or the
repossession of such Financed Vehicle. The Servicer, in its sole discretion, may in accordance with its Customary Servicing
Practices, sell any Receivable&#8217;s Deficiency Balance. To facilitate any such sale the Servicer may, in accordance with its
Customary Servicing Practices, purchase from the Issuer such Receivable&#8217;s Deficiency Balance for a purchase price equal to the
proceeds received by the Servicer in an arm&#8217;s-length transaction for the sale of such Receivable&#8217;s Deficiency Balance.
Net proceeds of any such sale allocable to the Receivable will constitute Liquidation Proceeds, and the sole right of the Issuer and
the Indenture Trustee with respect to any such sold Receivables will be to receive such Liquidation Proceeds (net of any related
Liquidation Expenses). Upon such sale, the Servicer will mark its computer records indicating that any such receivable sold is no
longer a Receivable. The Servicer is authorized to take any and all actions necessary or appropriate on behalf of the Issuer to
evidence the sale of the Financed Vehicle at a public or private third-party sale or the sale of the Receivable to the Servicer to
facilitate a Deficiency Balance sale pursuant to the provisions of this paragraph, in each case, free from any</P>

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<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Lien or other interest of the Issuer or the Indenture Trustee. In addition, the Servicer
may, in accordance with its Customary Servicing Practices, waive any Receivable&#8217;s Deficiency Balance.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.4&#9;</B><U>Maintenance of Security Interests
in Financed Vehicles</U>. The Servicer will, in accordance with its Customary Servicing Practices, take such steps as are necessary to
maintain perfection of the security interest created by each Receivable in the related Financed Vehicle. The provisions set forth in this
<U>Section 3.4</U> are the sole requirements under the Transaction Documents with respect to the maintenance of collateral or security
on the Receivables. It is understood that the Financed Vehicles are the collateral and security for the Receivables, but that the Certificate
of Title with respect to a Financed Vehicle does not constitute collateral for that Receivable and merely evidences such security interest.
The Issuer hereby authorizes the Servicer to take such steps as are necessary to re-perfect such security interest created by the Receivable
in the event of the relocation of a Financed Vehicle or for any other reason.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.5&#9;</B><U>Covenants of Servicer</U>. Unless
required by law or court order, or at the direction of a regulatory authority or in accordance with regulatory guidance, the Servicer
will not release the Financed Vehicle securing any Receivable from the security interest granted by such Receivable in whole or in part
except (i) in the event of payment in full by or on behalf of the Obligor thereunder or payment in full less a deficiency which the Servicer
would not attempt to collect in accordance with its Customary Servicing Practices, (ii) in connection with repossession or (iii) as may
be required by an insurer in order to receive proceeds from any Insurance Policy covering such Financed Vehicle. The Servicer shall promptly
notify the Backup Servicer in writing of any material changes which the Servicer makes to its servicing systems and provide sufficient
detail with respect thereto to the Backup Servicer as the Backup Servicer may require.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.25pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.6</B> <U>Purchase of Receivables Upon Breach</U>.
Upon discovery by any party hereto of a breach of any of the covenants set forth in <U>Section 3.2</U>, <U>3.3</U>, <U>3.4</U> or <U>3.5</U>
with respect to any Receivable which materially and adversely affects the interests of the Issuer or the Noteholders in any Receivable,
the party discovering or receiving written notice of such breach shall give prompt written notice thereof to the other parties hereto;
<U>provided</U>, (i) that the delivery of a Monthly Data File or Investor Report which identifies that Receivables are being or have been
repurchased shall be deemed to constitute prompt written notice by the Servicer and the Issuer of such breach and (ii) the Indenture Trustee,
the Backup Servicer and the Paying Agent shall be deemed to have knowledge of such breach only if a Responsible Officer thereof has received
written notice thereof; <U>provided</U>, <U>further</U>, that the failure to give such notice shall not affect any obligation of the Initial
Servicer under this <U>Section 3.6</U>. If the breach materially and adversely affects the interests of the Issuer or the Noteholders
in such Receivable or if the Initial Servicer is required to purchase a Receivable pursuant to <U>Section 3.2</U>, then the Initial Servicer
shall either (a) correct or cure such breach, if applicable, or (b) purchase such Receivable from the Issuer (or its assignee), in either
case on or before the Business Day before the Payment Date following the end of the Collection Period which includes the 60<SUP>th</SUP>
day (or, if the Initial Servicer elects, an earlier date) after the date that the Initial Servicer became aware or was notified of such
breach or obligation to repurchase, as applicable. Any such breach or failure will be deemed not to have a material and adverse effect
if such breach or failure has not affected the ability of the Issuer (or its assignee) to receive and retain timely payment in full on
such</P>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">Receivable. Any such purchase by the Initial Servicer shall be at a price equal
to the related Repurchase Price. In consideration for such purchase, the Initial Servicer shall make (or shall cause to be made) a payment
to the Issuer equal to the Repurchase Price by depositing such amount into the Collection Account prior to noon, New York City time, on
such date of purchase (or, if the Initial Servicer elects, an earlier date). Upon payment of such Repurchase Price by the Initial Servicer,
subject to Section 2.9 and Article VIII of the Indenture, the Indenture Trustee, on behalf of the Noteholders and the Administrator, on
behalf of the Issuer, as applicable, shall release and shall execute and deliver such instruments of release, transfer or assignment,
in each case without recourse or representation, as may be reasonably requested by the Initial Servicer to evidence such release, transfer
or assignment or more effectively vest in the Servicer or its designee all of the Issuer&#8217;s and Indenture Trustee&#8217;s rights
in any Receivable and related Transferred Assets purchased pursuant to this <U>Section 3.6</U>. It is understood and agreed that the obligation
of the Initial Servicer to purchase any Receivable as described above shall constitute the sole remedy with respect to such breach available
to the Issuer and the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.7&#9;</B><U>Servicing Fee</U>. On each Payment
Date, the Indenture Trustee, upon written direction in the Investor Report, on behalf of the Issuer shall pay to the Servicer the Servicing
Fee in accordance with <U>Section 4.4</U> for the immediately preceding Collection Period as compensation for its services. In addition,
the Servicer will be entitled to retain all Supplemental Servicing Fees and Unrelated Amounts or, if deposited into the Collection Account,
receive such amounts pursuant to <U>Section 4.4</U> of this Agreement. The Servicer also will be entitled to receive all interest and
investment earnings (net of investment losses and expenses) on funds on deposit in the Collection Account and the Reserve Account during
each Collection Period.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.8&#9;</B><U>Monthly Data File</U>. On or before
the Determination Date preceding each Payment Date, the Servicer shall deliver to the Calculation Agent and the Backup Servicer a data
file, in a form to be agreed upon from time to time between the Calculation Agent and the Servicer, containing the information identified
on <U>Exhibit C</U> to this Agreement with regard to the Receivables to (the &#8220;<U>Monthly Data File</U>&#8221;). No disbursements
shall be made directly by the Servicer to a Noteholder or a Certificateholder, and the Servicer shall not be required to maintain any
investor record relating to the posting of disbursements or otherwise or to prepare the Investor Report.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 3.9&#9;</B><U>Annual Officer&#8217;s Certificate; Notice of Servicer Replacement
Event</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer will deliver to the Issuer, with a copy to the Indenture Trustee, on or before April 30<SUP>th</SUP> of each calendar year,
beginning on April 30, 2026, an Officer&#8217;s Certificate stating, as to the Authorized Officer signing such Officer&#8217;s Certificate,
that:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 28.65pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 28.65pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a review of the activities of the Servicer during such year (or since the Closing Date, in the case of the first such Officer&#8217;s
Certificate) and of its performance under this Agreement has been made under such Authorized Officer&#8217;s supervision; and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.6pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.6pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
to the best of such Authorized Officer&#8217;s knowledge, based on such review, the Servicer has fulfilled all of its obligations under
this Agreement in all material respects throughout the year (or since the Closing Date, in the case of the first such Officer&#8217;s
Certificate), or, if there has been a failure to fulfill any of these obligations in</P>

<P STYLE="margin: 0pt 16.6pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 16.6pt 0pt 41pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 41pt">any material respect, specifying each such failure known to such Authorized Officer
and the nature and status thereof.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 25.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 25.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer will deliver to the Issuer, with a copy to the Indenture Trustee, the Backup Servicer and the Rating Agency within five (5)
Business Days after having obtained knowledge thereof written notice in an Officer&#8217;s Certificate of any event which with the giving
of notice or lapse of time, or both, would become a Servicer Replacement Event. Except to the extent set forth in this <U>Section 3.9(b)</U>
and <U>Section 7.2</U> of this Agreement and Section 3.12 and Section 6.5 of the Indenture, the Transaction Documents do not require any
policies or procedures to monitor any performance or other triggers and events of default.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.10&#9;</B><U>Servicer Expenses</U>. The Servicer
shall pay all expenses (other than Liquidation Expenses) incurred by it in connection with its activities hereunder, including fees and
disbursements of independent accountants, taxes imposed on the Servicer and expenses incurred in connection with distributions and reports
to the Noteholders and the Certificateholders. The Servicer will be entitled to retain an amount equal to the amount of Liquidation Expenses
incurred during a Collection Period from Liquidation Proceeds received during such Collection Period. The Initial Servicer shall pay (i)
fees, expenses, indemnities and disbursements of (x) the Indenture Trustee to the extent required under Section 6.7 of the Indenture,
(y) the Owner Trustee to the extent required under Sections 8.1 and 8.2 of the Trust Agreement, (z) the Backup Servicer to the extent
required under Section 3.1(c) of the Backup Servicing Agreement and (w) the Administrator and (ii) organizational expenses of the Issuer.
For the avoidance of doubt, no Successor Servicer shall be responsible for the payment of such fees, expenses, indemnities or disbursements.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 24.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 24.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.11&#9;</B><U>Exchange Act Filings</U>. The Issuer
hereby authorizes the Servicer and the Seller, or either of them, to prepare, sign, certify and file any and all reports, statements and
information respecting the Issuer and/or the Notes, if any, required to be filed pursuant to the Exchange Act and the rules thereunder.
Notwithstanding the foregoing, no Successor Servicer shall be required to prepare, sign, certify or file any such reports, statements
or information.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 25.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 25.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 3.12&#9;</B><U>Calculation Agent</U>. The Servicer,
upon the execution and delivery of this Agreement, hereby revocably appoints the Calculation Agent, and the Calculation Agent hereby accepts
such appointment, to perform the duties and prepare the reports required herein.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; text-indent: 0.1pt; margin: 0pt 164.05pt 0pt 154pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">ARTICLE IV</P>

<P STYLE="margin: 0pt 164.05pt 0pt 154pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: 0.1pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">DISTRIBUTIONS;
ACCOUNTS</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 9.85pt 0pt 0"></P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt"><B>STATEMENTS TO THE CERTIFICATEHOLDERS AND THE NOTEHOLDERS</B></P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt"><B>SECTION 4.1&#9;</B><U>Establishment of Accounts</U>.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"> (a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer shall cause to be established on or prior to the Closing Date:</P>



<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(i)</TD><TD STYLE="padding-right: 20.85pt">(x) Prior to the payment in full of the principal of and interest on the Notes, for the benefit of
the Noteholders in the name of the Indenture Trustee, an Eligible Account, bearing a designation clearly indicating that the funds deposited
therein are held for the benefit of the Noteholders,</TD></TR></TABLE>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>
<P STYLE="font-size: 10pt; margin: 0pt 20.4pt 0pt 113pt"></P>

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<P STYLE="margin: 0pt 20.4pt 0pt 113pt; font-size: 10pt">which Eligible Account shall be established by and maintained with the Indenture
Trustee or its designee and (y) following payment in full of the principal of and interest on the Notes, for the benefit of the Certificateholders,
in the name of the Issuer, an Eligible Account, bearing a designation clearly indicating that the funds deposited therein are held for
the benefit of the Certificateholders, which Eligible Account shall be established by and maintained with the Paying Agent or its designee
(the &#8220;<U>Collection Account</U>&#8221;). No checks shall be issued, printed or honored with respect to the Collection Account.</P>

<P STYLE="margin: 0pt 20.4pt 0pt 113pt; font-size: 10pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(ii)</TD><TD STYLE="padding-right: 16.2pt">For the benefit of the Noteholders and the Issuer, in the name of the Indenture Trustee, an Eligible
Account (the &#8220;<U>Reserve Account</U>&#8221;), bearing a designation clearly indicating that the funds deposited therein are held
for the benefit of the Noteholders and the Issuer, which Eligible Account shall be established by and maintained with the Indenture Trustee
or its designee. No checks shall be issued, printed or honored with respect to the Reserve Account.</TD></TR></TABLE>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Funds on deposit in the Collection Account and the Reserve Account (collectively, the &#8220;<U>Trust Accounts</U>&#8221;), if any, shall
be invested by the Indenture Trustee in Eligible Investments selected in writing by the Servicer and of which the Servicer provides notification
(pursuant to standing instructions or otherwise); <U>provided</U> that it is understood and agreed that neither the Servicer, the Indenture
Trustee (subject to Section 6.1(c) of the Indenture) nor the Issuer shall be liable for any loss arising from such investment in Eligible
Investments. Absent such instructions or standing instructions, the funds shall remain uninvested. All such Eligible Investments shall
be held by or on behalf of the Indenture Trustee as secured party for the benefit of the Noteholders and the Issuer (or if there are no
Noteholders, for the Certificateholders); <U>provided</U>, that on each Payment Date, pursuant to written instructions from the Servicer
(which may include standing instructions), all interest and other investment income (net of losses and investment expenses) on funds on
deposit in the Trust Accounts shall be distributed to the Servicer and shall not be available to pay the distributions provided for in
<U>Section 4.4</U>. Except to the extent that the Rating Agency Condition is satisfied, all investments of funds on deposit in the Trust
Accounts shall mature so that such funds will be available on the Business Day immediately preceding the immediately following Payment
Date. No Eligible Investment shall be sold or otherwise disposed of prior to its scheduled maturity unless a default occurs with respect
to such Eligible Investment and the Servicer directs the Indenture Trustee in writing to dispose of such Eligible Investment. The Servicer
acknowledges that upon its written request and at no additional cost, it has the right to receive notification after the completion of
each purchase and sale of permitted investments or the Indenture Trustee&#8217;s receipt of a broker&#8217;s confirmation. The Servicer
agrees that such notifications shall not be provided by the Indenture Trustee hereunder, and the Indenture Trustee shall make available,
upon request and in lieu of notifications, periodic account statements that reflect such investment activity.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee shall possess all right, title and interest in all funds on deposit from time to time in the Trust Accounts and
in all proceeds thereof and all such funds, investments and proceeds shall be part of the Trust Estate. Except as otherwise provided herein,
the Trust Accounts shall be under the sole dominion and control of the Indenture Trustee for the</P>

<P STYLE="margin: 0pt 20pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 20pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 18.25pt 0pt 5pt">benefit of the Noteholders (or if there are no Noteholders, for the Certificateholders).
If, at any time, any Trust Account ceases to be an Eligible Account, the Servicer shall promptly notify the Indenture Trustee in writing
(unless such Trust Account is an account with the Indenture Trustee) and within thirty (30) days (or any longer period if the Rating Agency
Condition is satisfied with respect to such longer period) after becoming aware of the fact, establish a new Trust Account as an Eligible
Account and shall direct the Indenture Trustee in writing to transfer any cash and/or any investments to such new Trust Account.</P>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 35.95pt">(d)</TD><TD>With respect to the Trust Account Property, the parties hereto agree that:</TD></TR></TABLE>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(i)</TD><TD STYLE="padding-right: 15.45pt">any Trust Account Property that consists of uninvested funds shall be held solely in Eligible Accounts
and, except as otherwise provided herein, each such Eligible Account shall be subject to the exclusive custody and control of the Indenture
Trustee, and, except as otherwise provided in the Transaction Documents, the Indenture Trustee or its designee shall have sole signature
authority with respect thereto;</TD></TR></TABLE>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(ii)</TD><TD STYLE="padding-right: 33.05pt">any Trust Account Property that constitutes Physical Property shall be delivered to the Indenture Trustee
or its designee, in accordance with <U>paragraph (a)</U> of the definition of &#8220;Delivery&#8221; and shall be held, pending maturity
or disposition, solely by the Indenture Trustee or any such designee;</TD></TR></TABLE>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(iii)</TD><TD STYLE="padding-right: 15.3pt">any Trust Account Property that is an &#8220;uncertificated security&#8221; under Article 8 of the UCC
and that is not governed by <U>clause (iv)</U> below shall be delivered to the Indenture Trustee or its designee in accordance with <U>paragraph
(c)</U> of the definition of &#8220;Delivery&#8221; and shall be maintained by the Indenture Trustee or such designee, pending maturity
or disposition, through continued registration of the Indenture Trustee&#8217;s (or its designee&#8217;s) ownership of such security on
the books of the issuer thereof;</TD></TR></TABLE>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(iv)</TD><TD STYLE="padding-right: 17.3pt">any Trust Account Property that is an uncertificated security that is a &#8220;book-entry security&#8221;
(as such term is defined in Federal Reserve Bank Operating Circular No. 7) held in a securities account at a Federal Reserve Bank and
eligible for transfer through the Fedwire<SUP>&reg;</SUP> Securities Service operated by the Federal Reserve System pursuant to Federal
book-entry regulations shall be delivered in accordance with paragraph (b) of the definition of &#8220;Delivery&#8221; and shall be maintained
by the Indenture Trustee or its designee or a securities intermediary (as such term is defined in Section 8-102(a)(14) of the UCC) acting
solely for the Indenture Trustee or such designee, pending maturity or disposition, through continued book-entry registration of such
Trust Account Property as described in such paragraph; and</TD></TR></TABLE>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(v)</TD><TD STYLE="padding-right: 24.15pt">to the extent any Trust Account Property is credited to a securities account, the account agreement
establishing such securities account shall provide that the account agreement is governed solely by the law of the</TD></TR></TABLE>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>
<P STYLE="font-size: 10pt; margin: 0pt 19.15pt 0pt 113pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 19.15pt 0pt 113pt; font-size: 10pt">State of New York and that the law of the State of New York shall govern all
issues specified in Article 2(1) of the Hague Securities Convention; such institution acting as securities intermediary shall have at
the time of entry of the account agreement and shall continue to have at all relevant times one or more offices (within the meaning of
the Hague Securities Convention) in the United States of America which satisfies the criteria provided in Article 4(1)(a) or (b) of the
Hague Securities Convention; the jurisdiction of such institution acting as securities intermediary with respect to such securities account
shall be the State of New York, and (if the Indenture Trustee is not the securities intermediary with respect to such securities account)
the Indenture Trustee, the Issuer and such securities intermediary shall agree in writing that such securities intermediary will comply
with entitlement orders originated by the Indenture Trustee with respect to such securities account without further consent of the Issuer.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee, to the extent it is acting in the capacity of securities intermediary with respect to the Trust Account Property,
represents, warrants and covenants that:</P>

<P STYLE="margin: 0pt 16.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(i)</TD><TD STYLE="padding-right: 16.85pt">it is a &#8220;securities intermediary,&#8221; as such term is defined in Section 8- 102(a)(14)(ii)
of the relevant UCC, that in the ordinary course of its business maintains &#8220;securities accounts&#8221; for others, as such term
is used in Section 8-501 of the relevant UCC, and an &#8220;intermediary&#8221; as defined in the Hague Securities Convention;</TD></TR></TABLE>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(ii)</TD><TD STYLE="padding-right: 30.75pt">pursuant to Section 8-110(e)(1) of the relevant UCC for purposes of the relevant UCC, the jurisdiction
of the Indenture Trustee as securities intermediary is the State of New York. Further, the law of the State of New York shall govern all
issues specified in Article 2(1) of the Hague Securities Convention; and</TD></TR></TABLE>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(iii)</TD><TD STYLE="padding-right: 27.65pt">the Indenture Trustee has and shall continue to have at all relevant times one or more offices (within
the meaning of the Hague Securities Convention) in the United States of America engaged in a business or other regular activity of maintaining
securities accounts.</TD></TR></TABLE>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 34.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 34.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
To the extent that there are any other agreements with the Indenture Trustee governing the Trust Accounts, the parties agree that each
and every such agreement is hereby amended to provide that, with respect to the Trust Accounts, the law applicable to all issues specified
in Article 2(1) of the Hague Securities Convention shall be the laws of the State of New York.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Except for the Collection Account and the Reserve Account, there are no accounts required to be maintained under the Transaction Documents.</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt"></P>

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<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 4.2&#9;</B><U>Remittances</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 26.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 26.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer shall deposit an amount equal to all Collections into the Collection Account within two (2) Business Days after identification.
Pending deposit into the Collection Account, Collections may be commingled and used by the Servicer at its own risk and are not required
to be segregated from its own funds.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer may deduct from Collections all Supplemental Servicing Fees and Unrelated Amounts to the extent such Supplemental Servicing
Fees and Unrelated Amounts have not been previously retained by or reimbursed to the Servicer. If the Servicer determines that Unrelated
Amounts have been deposited in the Collection Account and that the Servicer has not deducted an amount equal to Unrelated Amounts from
Collections as contemplated by the preceding sentence, then the Servicer shall provide written notice thereof to the Issuer and the Indenture
Trustee and shall direct the Indenture Trustee to withdraw and pay to or at the direction of the Servicer such remaining Unrelated Amounts
from the Collection Account.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 4.3&#9;</B><U>Additional Deposits and Payments</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On the date specified in <U>Section 3.6</U> hereof or Section 3.4 of the Purchase Agreement, as applicable, the Servicer and Seller, as
applicable, will deposit into the Collection Account the aggregate Repurchase Price with respect to Repurchased Receivables purchased
or repurchased by the Servicer or Seller, respectively, on such date, and on the Payment Date specified in <U>Section 8.1</U>, the Servicer
will deposit into the Collection Account all amounts, if any, to be paid under <U>Section 8.1</U>. All such deposits with respect to any
such date which is a Payment Date will be made, in immediately available funds by noon, New York City time, on the Business Day immediately
preceding such Payment Date related to such Collection Period.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Indenture Trustee will, on or before the Payment Date relating to each Collection Period, withdraw from the Reserve Account the Reserve
Account Draw Amount and deposit such amounts in the Collection Account in accordance with the Investor Report.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Paying Agent will, on each Payment Date, upon written direction (which may include standing instructions) from the Servicer, withdraw
from the Reserve Account (i) all interest and investment earnings (net of investment losses and expenses) on funds on deposit in the Reserve
Account during the related Collection Period and distribute such interest and investment earnings to the Servicer and (ii) the Reserve
Account Excess Amount, if any, for such Payment Date and deposit such amount in the Collection Account.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On the Closing Date, the Seller will deposit an amount equal to the Initial Reserve Account Deposit Amount into the Reserve Account from
the net proceeds of the sale of the Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
On or prior to the third Business Day preceding each Determination Date, the Indenture Trustee shall send a written notice, or make such
information available electronically, to the Servicer stating the amount of interest and investment income earned, if any, during the
related Collection Period on each Trust Account maintained at the Indenture Trustee.</P>

<P STYLE="margin: 0pt 22.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 22.45pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt"><B>SECTION 4.4&#9;</B><U>Distributions</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Unless the Notes have been accelerated pursuant to Section 5.2 of the Indenture, on each Payment Date, the Paying Agent (based on information
contained in the Investor Report prepared by the Calculation Agent pursuant to <U>Section 4.6</U>) shall (i) distribute to the Servicer,
from amounts on deposit in the Collection Account, an amount equal to any Supplemental Servicing Fees and Unrelated Amounts (to the extent
not previously retained by the Servicer) deposited into the Collection Account during the related Collection Period and (ii) make the
following deposits and distributions, to the extent of Available Funds and the Reserve Account Draw Amount, on deposit in the Collection
Account for such Payment Date, in the following order of priority:</P>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(1)</TD><TD STYLE="padding-right: 15.65pt"><I>first</I>, <I>pro rata</I>, based on amounts due, to the Indenture Trustee, the Owner Trustee,
                                                             the Backup Servicer, the Certificate Registrar, the Paying Agent and the Calculation Agent, any accrued and unpaid fees, reasonable
                                                             expenses and indemnification amounts to the extent not previously paid by the Servicer; <I>provided</I>, that, prior to the
                                                             occurrence of an Event of Default of the type described in clauses (a), (b) or (e) of Section 5.1 of the Indenture, such expenses
                                                             and indemnification amounts payable pursuant to this clause <I>first</I> may not exceed, (x) in the case of the Indenture Trustee,
                                                             the Certificate Registrar, the Paying Agent and the Calculation Agent, in the aggregate, $150,000 per annum, (y) in the case of the
                                                             Owner Trustee $150,000 per annum and (z) in the case of the Backup Servicer, $50,000 per annum
plus, in the case of costs and expenses owed to the Backup Servicer during the Servicing Centralization Period, $75,000;</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 16.3pt 0pt 113pt"></P>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(2)</TD><TD STYLE="padding-right: 21.95pt"><I>second</I>, <I>pro rata</I>, (A) to the Servicer, the Servicing Fee (including Servicing Fees not
previously paid) and to any Successor Servicer, any accrued and unpaid fees, reasonable expenses and indemnification amounts (including
any such fees, expenses and indemnification amounts not previously paid) and (B) to the Backup Servicer, Servicing Transition Costs, to
the extent not previously paid in full when due and payable by the Initial Servicer pursuant to the Backup Servicing Agreement, <I>provided</I>,
that such Servicing Transition Costs payable pursuant to this clause <I>second </I>may not exceed $150,000;</TD></TR></TABLE>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(3)</TD><TD STYLE="padding-right: 23.25pt"><I>third</I>, to the Noteholders of the Class A Notes, the Accrued Class A Note Interest due and accrued
for the related Interest Period;</TD></TR></TABLE>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(4)</TD><TD STYLE="padding-right: 17.2pt"><I>fourth</I>, for distribution to the Noteholders pursuant to Section 8.2(b) of the Indenture, the
First Allocation of Principal, if any;</TD></TR></TABLE>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(5)</TD><TD STYLE="padding-right: 28.6pt"><I>fifth</I>, to the Noteholders of the Class B Notes, the Accrued Class B Note Interest due and accrued
for the related Interest Period;</TD></TR></TABLE>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(6)</TD><TD STYLE="padding-right: 17.7pt"><I>sixth</I>, for distribution to the Noteholders in accordance with Section 8.2(b) of the Indenture,
the Second Allocation of Principal, if any;</TD></TR></TABLE>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(7)</TD><TD STYLE="padding-right: 17.7pt"><I>seventh</I>, to the Reserve Account, any additional amounts required to cause the amount of cash
on deposit in the Reserve Account to equal the Specified Reserve Account Balance;</TD></TR></TABLE>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 35.95pt">(8)</TD><TD><I>eighth</I>, for distribution to the Noteholders in accordance with Section 8.2(b) of the Indenture, the Regular Allocation of Principal, if any;</TD></TR></TABLE>


<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(9)</TD><TD STYLE="padding-right: 14.9pt"><I>ninth</I>, <I>pro rata</I>, based on amounts due, to the Indenture Trustee, the Owner Trustee, the
Backup Servicer, the Certificate Registrar, the Paying Agent and the Calculation Agent, any accrued and unpaid fees, expenses and indemnification
amounts payable to them pursuant to clause <I>first </I>but not paid thereunder due to the limit on indemnity and expenses specified therein;
and</TD></TR></TABLE>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(10)</TD><TD STYLE="padding-right: 15.5pt"><I>tenth</I>, to the Certificateholders, pro rata based on the Percentage Interest of each Certificateholder,
any funds remaining.</TD></TR></TABLE>

<P STYLE="margin: 0pt 19.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">Notwithstanding any other provision of this <U>Section 4.4</U>, following the occurrence
and during the continuation of an Event of Default which has resulted in an acceleration of the Notes, the Indenture Trustee shall apply
all amounts on deposit in the Collection Account pursuant to Section 5.4(b) of the Indenture notwithstanding any caps on indemnities or
expenses.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 35.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 35.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
After the payment in full of the Notes and all other amounts payable under <U>Section 4.4(a)</U>, all Collections shall be paid to or
in accordance with the instructions provided from time to time by the Certificateholders.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 4.5&#9;</B><U>Net Deposits</U>. The Servicer shall
be permitted to pay the Optional Purchase Price pursuant to <U>Section 8.1</U> net of amounts to be distributed to the Servicer or its
Affiliates on the related Redemption Date, and accounts between the Servicer and such Affiliates shall be adjusted accordingly. The Servicer
shall, however, account for all deposits and distributions in the Monthly Data File (and the Calculation Agent shall account for all deposits
and all distributions in the related Investor Report) as if the amounts were deposited and/or distributed separately.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 4.6&#9;</B><U>Statements to Noteholders and Certificateholders</U>.
On or before each Investor Reporting Date, the Calculation Agent shall provide to the Indenture Trustee (with a copy to the Rating Agency,
the Owner Trustee, the Servicer, the Backup Servicer and the Issuer), and on or before the related Payment Date, the Indenture Trustee
shall forward (or make available on its website, as described below) to each Noteholder and Certificateholder of record as of the most
recent Record Date, a statement (based on information contained in the Monthly Data File delivered on or before the related Determination
Date pursuant to <U>Section 3.8</U>) setting forth for the Collection Period and Payment Date relating to such Determination Date the
following information (or such other substantially similar information) (such report, the &#8220;<U>Investor Report</U>&#8221;):</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 27.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 27.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the aggregate amount being paid on such Payment Date in respect of interest on and principal of each Class of Notes;</P>

<P STYLE="margin: 0pt 27.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 40.05pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 40.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Class A Note Balance and the Class B Note Balance, with respect to each Class of Notes, in each case after giving effect to payments
on such Payment Date;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 48.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 48.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the First Allocation of Principal, the Second Allocation of Principal and the Regular Allocation of Principal for such Payment Date;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(i) the amount on deposit in the Reserve Account and the Specified Reserve Account Balance, each as of the beginning and end of the related
Collection Period, (ii) the amount to be deposited in the Reserve Account in respect of such Payment Date, if any, (iii) the Reserve Account
Draw Amount, if any, to be withdrawn from the Reserve Account on such Payment Date and (iv) the balance on deposit in the Reserve Account
on such Payment Date after giving effect to withdrawals therefrom and deposits thereto in respect of such Payment Date;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 24.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 24.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Pool Balance, the Pool Factor and the Note Factor as of the close of business on the last day of the preceding Collection Period;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 30.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 30.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the amount of the Servicing Fee to be paid to the Servicer with respect to the related Collection Period and the amount of any unpaid
Servicing Fees and the change in such amount from the prior Payment Date;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 31.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 31.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the amount of fees to be paid to the Indenture Trustee, the Paying Agent, the Backup Servicer, the Owner Trustee, the Certificate Registrar
and the Calculation Agent with respect to the related Payment Date and the amount of any unpaid fees to such parties and any changes in
such amount from the prior Payment Date;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the amount of the Class A Noteholders&#8217; Interest Carryover Shortfall and the Class B Noteholders&#8217; Interest Carryover Shortfall,
if any, on such Payment Date;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the aggregate Repurchase Price with respect to Repurchased Receivables paid by the Servicer or America&#8217;s Car Mart with respect to
the related Collection Period;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the number, dollar amount and percentage of Receivables that are 31-60, 61-90 and over 90 days delinquent as of the end of the related
Collection Period; <I>provided</I>, <I>however</I>, that the Servicer may, in its sole discretion, provide the information set forth in
this <I>clause (j)</I> in 30-day increments beginning with 30-59 days delinquent in lieu of the foregoing increments.; and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 23.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 23.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the dollar amount and percentage of Receivables that are subject to deferrals and extensions as of the end of the related Collection Period.</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt">Each amount set forth pursuant to <I>clause (a)</I> or <I>(h)</I> above relating
to the Notes shall be expressed as a dollar amount per $1,000 of the aggregate principal amount of the Notes (or Class thereof).</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt">No disbursements shall be made directly by the Servicer to a Noteholder, and the
Servicer shall not be required to maintain any investor record relating to the posting of disbursements or otherwise.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.45pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 17.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">The Indenture Trustee shall make available via the Indenture
Trustee&#8217;s internet website all reports or notices required to be provided by the Indenture Trustee under the Transaction Documents
to which it is a party, including under this <U>Section 4.5</U>. Any information that is disseminated in accordance with the provisions
of this <U>Section 4.5</U> shall not be required to be disseminated in any other form or manner. The Indenture Trustee will make no representation
or warranty as to the accuracy or completeness of such documents and will assume no responsibility therefor.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">The Indenture Trustee&#8217;s internet website shall be initially
located at &#8220;https://tss.sfs.db.com/investpublic/&#8221; or at such other address as shall be specified by the Indenture Trustee
from time to time in writing to the Noteholders, the Owner Trustee, the Servicer, the Issuer, the Backup Servicer, the Certificate Registrar
or any Paying Agent. In connection with providing access to the Indenture Trustee&#8217;s internet website, the Indenture Trustee may
require registration and the acceptance of a disclaimer. The Indenture Trustee shall not be liable for the dissemination of information
in accordance with this Agreement. The Indenture Trustee shall notify the Noteholders in writing of any changes in the address or means
of access to the Internet website where the reports are accessible.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 4.7&#9;</B><U>No Duty to Confirm</U>. The Calculation
Agent shall have no duty or obligation to verify or confirm the accuracy of any of the information or numbers set forth in the Monthly
Data File delivered by the Servicer pursuant to <U>Section 3.8</U> hereof, and the Calculation Agent shall be fully protected in relying
upon such Monthly Data File. The Indenture Trustee shall have no duty or obligation to verify or confirm the accuracy of any of the information
or numbers set forth in the Investor Report delivered by the Calculation Agent to the Indenture Trustee, and the Indenture Trustee shall
be fully protected in relying upon such Investor Report.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.15pt; margin: 0pt 210.95pt 0pt 201.05pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">ARTICLE V</P>

<P STYLE="margin: 0pt 210.95pt 0pt 201.05pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.15pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">THE
SELLER</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 5.1&#9;</B><U>Representations and Warranties of Seller</U>. The Seller
makes the following representations and warranties as of the Closing Date on which the Issuer will be deemed to have relied in
acquiring the Transferred Assets. The representations and warranties speak as of the execution and delivery of this Agreement and
will survive the conveyance of the Transferred Assets to the Issuer pursuant to this Agreement and the pledge thereof by the Issuer
to the Indenture Trustee pursuant to the Indenture:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Existence and Power</U>. The Seller is a Delaware limited liability company validly existing and in good standing under the laws of
its state of organization and has, in all material respects, full power and authority to own its assets and operate its business as presently
owned or operated, and to execute, to deliver and to perform its obligations under the Transaction Documents to which it is a party. The
Seller has obtained all necessary licenses and approvals in each jurisdiction where the failure to do so would materially and adversely
affect the ability of the Seller to perform its obligations under the Transaction Documents or affect the enforceability or collectability
of the Receivables or any other part of the Transferred Assets.</P>

<P STYLE="margin: 0pt 15.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.5pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 21.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Authorization and No Contravention</U>. The execution, delivery and performance by the Seller of the Transaction Documents to which
it is a party have been duly authorized by all necessary limited liability company action on the part of the Seller and do not contravene
or constitute a default under (i) any applicable law, rule or regulation, (ii) its organizational documents or (iii) any indenture or
agreement to which the Seller is a party or by which its properties are bound (other than violations of such laws, rules, regulations,
indentures or agreements which do not affect the legality, validity or enforceability of any of such agreements and which, individually
or in the aggregate, would not materially and adversely affect the transactions contemplated by, or the Seller&#8217;s ability to perform
its obligations under, the Transaction Documents).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.6pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>No
Consent Required</U>. No approval or authorization by, or filing with, any Governmental Authority is required in connection with the
execution, delivery and performance by the Seller of any Transaction Document other than (i) UCC filings, (ii) approvals and
authorizations that have previously been obtained and filings that have previously been made and (iii) approvals, authorizations or
filings which, if not obtained or made, would not have a material adverse effect on the enforceability or collectability of the
Receivables or any other part of the Transferred Assets or would not materially and adversely affect the ability of the Seller to
perform its obligations under the Transaction Documents.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Binding Effect</U>. Each Transaction Document to which the Seller is a party constitutes the legal, valid and binding obligation of
the Seller enforceable against the Seller in accordance with its terms, except as such enforceability may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium, receivership, conservatorship or other similar laws affecting the enforcement of creditors&#8217;
rights generally and, if applicable, the rights of creditors of limited liability companies from time to time in effect or by general
principles of equity.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.55pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Lien Filings</U>. The Seller is not aware of any material judgment, ERISA or tax lien filings against the Seller.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>No Proceedings</U>. There are no actions, orders, suits, investigations or Proceedings pending or, to the knowledge of the Seller,
threatened against the Seller before or by any Governmental Authority that (i) assert the invalidity or unenforceability of this Agreement
or any of the other Transaction Documents, (ii) seek to prevent the issuance of the Notes or the consummation of any of the transactions
contemplated by this Agreement or any of the other Transaction Documents, (iii) seek any determination or ruling that would materially
and adversely affect the performance by the Seller of its obligations under this Agreement or any of the other Transaction Documents or
the collectability or enforceability of the Receivables, or (iv) relate to the Seller that would materially and adversely affect the federal
or Applicable Tax State income, excise, franchise or similar tax attributes of the Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 39.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 39.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Investment Company Act</U>. The Seller is not an &#8220;investment company&#8221; that is registered or required to be registered under,
or otherwise subject to the restrictions of the Investment Company Act of 1940, as amended.</P>

<P STYLE="margin: 0pt 39.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.4pt 0pt 5pt"></P>

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<P STYLE="margin: 0pt 18.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Assignment</U>. The Receivables and the other Transferred Assets have been validly assigned by the Seller to the Issuer.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Security Interests</U>. The Seller has not authorized the filing of and is not aware of any financing statements against the Seller
that include a description of collateral covering any Receivable other than any financing statement relating to security interests granted
under the Transaction Documents or that have been or, prior to the assignment of such Receivables hereunder, will be terminated, amended
or released. This Agreement creates a valid and continuing security interest in the Receivables (other than the Related Security with
respect thereto, to the extent that an ownership interest therein cannot be perfected by the filing of a financing statement) in favor
of the Issuer which security interest is prior to all other Liens (other than Permitted Liens) and is enforceable as such against all
other creditors of and purchasers and assignees from the Seller.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 30.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 30.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Creation, Perfection and Priority of Security Interests</U>. The representations and warranties regarding creation, perfection and
priority of security interests in the Transferred Assets, which are attached to this Agreement as <U>Exhibit B</U>, are true and correct.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 32.25pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 32.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 5.2&#9;</B><U>Liability of Seller; Indemnities</U>.
The Seller shall be liable in accordance herewith only to the extent of the obligations specifically undertaken by the Seller under this
Agreement, and hereby agrees to the following:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Seller shall indemnify, defend, and hold harmless the Issuer, the Backup Servicer (including in its capacity as Successor Servicer),
the Paying Agent, the Calculation Agent, the Owner Trustee (including in its individual capacity) and the Indenture Trustee (including
in its individual capacity) from and against any loss, liability or expense (including reasonable attorneys&#8217; fees and expenses and
court costs and any losses incurred in connection with a successful defense, in whole or part, of any claim that the Backup Servicer,
the Paying Agent, the Calculation Agent or Indenture Trustee breached its standard of care and legal fees and expenses incurred in actions
against the indemnifying party) incurred by reason of the Seller&#8217;s violation of federal or State securities laws in connection with
the registration or the sale of the Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Indemnification under this <U>Section 5.2</U> will survive the resignation or removal of the Owner Trustee, the Backup Servicer (including
in its capacity as Successor Servicer), the Calculation Agent, the Paying Agent or the Indenture Trustee and the termination of this Agreement
and will include, without limitation, reasonable fees and expenses of counsel and expenses of litigation including those incurred in connection
with the enforcement of such party&#8217;s respective rights (including indemnification rights) under the Transaction Documents. If the
Seller has made any indemnity payments pursuant to this <U>Section 5.2</U> and the Person to or on behalf of whom such payments are made
thereafter collects any of such amounts from others, such Person will promptly repay such amounts to the Seller, without interest.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.25pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Seller&#8217;s obligations under this <U>Section 5.2</U> are obligations solely of the Seller and will not constitute a claim against
the Seller to the extent that the Seller does not have funds sufficient to make payment of such obligations. In furtherance of and not
in derogation of the foregoing, the Issuer, the Servicer, the Indenture Trustee, the Backup Servicer, the Calculation</P>

<P STYLE="margin: 0pt 21.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font-size: 10pt; margin: 0pt 18.25pt 0pt 5pt">Agent, the Paying Agent and the Owner Trustee, by entering into or accepting this
Agreement, acknowledge and agree that they have no right, title or interest in or to the Other Assets of the Seller. To the extent that,
notwithstanding the agreements and provisions contained in the preceding sentence, the Issuer, the Servicer, the Indenture Trustee, the
Backup Servicer, the Calculation Agent, the Paying Agent or the Owner Trustee either (i) asserts an interest or claim to, or benefit from,
Other Assets, or (ii) is deemed to have any such interest, claim to, or benefit in or from Other Assets, whether by operation of law,
legal process, pursuant to applicable provisions of insolvency laws or otherwise (including by virtue of Section 1111(b) of the Bankruptcy
Code or any successor provision having similar effect under the Bankruptcy Code), then the Issuer, the Servicer, the Indenture Trustee,
the Backup Servicer, the Calculation Agent, the Paying Agent or the Owner Trustee, as applicable, further acknowledges and agrees that
any such interest, claim or benefit in or from Other Assets is and will be expressly subordinated to the indefeasible payment in full
of the other obligations and liabilities, which, under the terms of the relevant documents relating to the securitization or conveyance
of such Other Assets, are entitled to be paid from, entitled to the benefits of, or otherwise secured by such Other Assets (whether or
not any such entitlement or security interest is legally perfected or otherwise entitled to a priority of distributions or application
under applicable law, including insolvency laws, and whether or not asserted against the Seller), including the payment of post-petition
interest on such other obligations and liabilities. This subordination agreement will be deemed a subordination agreement within the meaning
of Section 510(a) of the Bankruptcy Code. The Issuer, the Servicer, the Indenture Trustee, the Backup Servicer, the Calculation Agent,
the Paying Agent and the Owner Trustee each further acknowledges and agrees that no adequate remedy at law exists for a breach of this
<U>Section 5.2(c)</U> and the terms of this <U>Section 5.2(c)</U> may be enforced by an action for specific performance. The provisions
of this <U>Section 5.2(c)</U> will be for the benefit of those entitled to rely thereon and will survive the termination or assignment
of this Agreement and the resignation or removal of any indemnified party.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.2pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 5.3&#9;</B><U>Merger or Consolidation of, or
Assumption of the Obligations of, Seller</U>. Any entity (i) into which the Seller may be merged or converted or with which it may
be consolidated, to which it may sell or transfer its business and assets as a whole or substantially as a whole or any entity
resulting from any merger, sale, transfer, conversion or consolidation to which the Seller shall be a party, or any entity
succeeding to the business of the Seller or (ii)&nbsp; more than 50% of the voting stock or voting power and 50% or more of the
economic equity of which is owned directly or indirectly by America&#8217;s Car-Mart, Inc. and which executes an agreement of
assumption to perform every obligation of the Seller under this agreement, shall be the successor to the Seller under this
Agreement, in each case, without the execution or filing of any additional paper or any further act on the part of any of the
parties hereto, anything herein to the contrary notwithstanding. Within thirty days following the consummation of any of the
foregoing transactions in which the Seller is not the surviving entity, the Seller shall deliver to the Indenture Trustee an Opinion
of Counsel either (A) stating that, in the opinion of such counsel, all financing statements and continuation statements and
amendments thereto have been executed and filed that are necessary to preserve and protect the interest of the Issuer in the
Receivables and the other Transferred Assets or (B) stating that, in the opinion of such counsel, no such action shall be necessary
to preserve and protect such interest.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 27.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 27.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 5.4&#9;</B><U>Limitation on Liability of Seller
and Others</U>. The Seller and any officer or employee or agent of the Seller may rely in good faith on the advice of counsel or on</P>

<P STYLE="margin: 0pt 27.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font-size: 10pt; margin: 0pt 18.8pt 0pt 5pt">any document of any kind, prima facie properly executed and submitted by any Person
respecting any matters arising hereunder. The Seller will not be under any obligation to appear in, prosecute or defend any legal action
that is not incidental to its obligations under this Agreement and that in its opinion may involve it in any expense or liability.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 5.5&#9;</B><U>Seller May Own Notes</U>. The
Seller, and any Affiliate of the Seller, may in its individual or any other capacity become the owner or pledgee of Notes with the
same rights as it would have if it were not the Seller or an Affiliate thereof, except as otherwise expressly provided herein or in
the other Transaction Documents. Except as set forth herein or in the other Transaction Documents, Notes so owned by the Seller or
any such Affiliate will have an equal and proportionate benefit under the provisions of this Agreement and the other Transaction
Documents, without preference, priority, or distinction as among all of the Notes. Unless all Notes are owned by the Issuer, the
Seller, any Certificateholder, the Servicer, the Administrator or any of their respective Affiliates, any Notes owned by the Issuer,
the Seller, any Certificateholder, the Servicer, the Administrator or any of their respective Affiliates shall be disregarded with
respect to the determination of any request, demand, authorization, direction, notice, consent, vote or waiver hereunder or under
any other Transaction Document; <I>provided that</I>, in determining whether the Indenture Trustee shall be protected in relying
upon any such request, demand, authorization, direction, notice, consent, vote or waiver, only Notes that a Responsible Officer of
the Indenture Trustee knows to be so owned shall be so disregarded.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 5.6&#9;</B><U>Compliance with Organizational Documents</U>.
The Seller shall comply in all material respects with its limited liability company agreement and other organizational documents.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt; margin: 0pt 203.6pt 0pt 193.75pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">ARTICLE VI</P>

<P STYLE="margin: 0pt 203.6pt 0pt 193.75pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.05pt">THE
SERVICER</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 6.1&#9;</B><U>Representations of Servicer</U>. The Servicer makes the
following representations and warranties as of the Closing Date, on which the Issuer will be deemed to have relied in acquiring the
Transferred Assets. The representations and warranties speak as of the execution and delivery of this Agreement and will survive the
conveyance of the Transferred Assets to the Issuer pursuant to this Agreement and the pledge thereof by the Issuer to the Indenture
Trustee pursuant to the Indenture:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Existence and Power</U>. The Initial Servicer is an Arkansas corporation validly existing and in good standing under the laws of its
state of organization and has, in all material respects, full power and authority to own its assets and operate its business as presently
owned or operated, and to execute, to deliver and to perform its obligations under the Transaction Documents to which it is a party. The
Servicer has obtained all necessary licenses and approvals in each jurisdiction where the failure to do so would materially and adversely
affect the ability of the Servicer to perform its obligations under the Transaction Documents or affect the enforceability or collectability
of the Receivables or any other part of the Transferred Assets.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 28.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 28.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Authorization and No Contravention</U>. The execution, delivery and performance by the Initial Servicer of the Transaction Documents
to which it is a party have been duly</P>

<P STYLE="margin: 0pt 28.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font-size: 10pt; margin: 0pt 16.45pt 0pt 5pt">authorized by all necessary action on the part of the Initial Servicer and do
not contravene or constitute a default under (i) any applicable law, rule or regulation, (ii) its organizational documents or (iii) any
material indenture or material agreement to which the Initial Servicer is a party or by which its properties are bound, in each case,
other than violations of such laws, rules, regulations, organizational documents, indentures or agreements which do not affect the legality,
validity or enforceability of any of such agreements and which, individually or in the aggregate, would not materially and adversely affect
the transactions contemplated by, or the Initial Servicer&#8217;s ability to perform its obligations under, the Transaction Documents.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>No Consent Required</U>. No approval or authorization by, or filing with, any Governmental Authority is required in connection with
the execution, delivery and performance by the Servicer of any Transaction Document other than (i) UCC filings, (ii) approvals and authorizations
that have previously been obtained and filings that have previously been made or approvals, authorizations or filings that will be made
on a timely basis and (iii) approvals, authorizations or filings that, if not obtained or made, would not have a material adverse effect
on the enforceability or collectability of the Receivables or would not materially and adversely affect the ability of the Servicer to
perform its obligations under the Transaction Documents.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Binding Effect</U>. Each Transaction Document to which the Servicer is a party constitutes the legal, valid and binding obligation
of the Servicer enforceable against the Servicer in accordance with its terms, except as such enforceability may be limited by applicable
bankruptcy, insolvency, reorganization, moratorium, receivership, conservatorship or other similar laws affecting creditors&#8217; rights
generally and, if applicable, the rights of creditors of corporations from time to time in effect or by general principles of equity.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 25.6pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 25.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>No Proceedings</U>. There are no actions, suits, investigations or Proceedings pending or, to the knowledge of the Servicer, threatened
against the Servicer before or by any Governmental Authority that (i) assert the invalidity or unenforceability of this Agreement or any
of the other Transaction Documents, (ii) seek to prevent the issuance of the Notes or the consummation of any of the transactions contemplated
by this Agreement or any of the other Transaction Documents, (iii) seek any determination or ruling that would materially and adversely
affect the performance by the Servicer of its obligations under this Agreement or any of the other Transaction Documents or (iv) relate
to the Servicer that would materially and adversely affect the federal or Applicable Tax State income, excise, franchise or similar tax
attributes of the Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 6.2&#9;</B><U>Indemnities of Servicer</U>. The Initial
Servicer and the Issuer will be liable in accordance herewith only to the extent of the obligations specifically undertaken by the Servicer
and the Issuer, respectively, under this Agreement, and hereby agree to the following:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Initial Servicer will defend, indemnify and hold harmless the Issuer, the Backup Servicer (including in its capacity as Successor
Servicer), the Owner Trustee (including in its individual capacity), the Indenture Trustee (including in its individual capacity) and
the Seller from and against any and all costs, expenses (including reasonable attorneys&#8217; fees and expenses and court costs and any
losses incurred in connection with a successful defense, in whole or part, of any claim that the Backup Servicer, the Paying Agent or
the Indenture Trustee breached its standard of care and legal fees and expenses incurred in actions against the</P>

<P STYLE="margin: 0pt 22.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 26.65pt 0pt 5pt">indemnifying party), losses, damages, claims and liabilities,
arising out of or resulting from the use, ownership or operation by the Servicer or any Affiliate thereof or any sub-contractor hired
by the Initial Servicer or such Affiliate of a Financed Vehicle.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer, the Backup Servicer (including in its capacity as Successor Servicer), the Owner Trustee (including in its individual capacity),
the Paying Agent (including in its individual capacity) and the Indenture Trustee (including in its individual capacity) shall be indemnified,
defended and held harmless from and against any taxes that may at any time be asserted against any such Person with respect to the transactions
contemplated herein or in the other Transaction Documents, if any, including, without limitation, any sales, gross receipts, general corporation,
tangible personal property, privilege, or license taxes (but, in the case of the Issuer, not including any taxes asserted with respect
to, and as of the date of, the conveyance of the Receivables to the Issuer or the issuance and original sales of the Notes, or asserted
with respect to ownership of the Receivables, or federal or other Applicable Tax State income taxes arising out of the transactions contemplated
by this Agreement and the other Transaction Documents) and costs and expenses in defending against the same. For the avoidance of doubt,
the Initial Servicer will not indemnify for any costs, expenses, losses, claims, damages or liabilities due to the credit risk of the
Obligors and for which reimbursement would constitute recourse for uncollectible Receivables. Amounts payable pursuant to this <U>Section
6.2(b)</U> shall be payable (i) to the Indenture Trustee, the Backup Servicer, the Paying Agent and the Owner Trustee pursuant to <U>Section
4.4(a)</U> hereof or Section 5.4(b) of the Indenture, as applicable (to the extent of Available Funds available therefor), and, to the
extent not paid thereunder, by the Servicer, and (ii) to the Issuer by the Servicer.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Initial Servicer will indemnify, defend and hold harmless the Issuer, the Backup Servicer (including in its capacity as Successor
Servicer), the Paying Agent (including in its individual capacity), the Owner Trustee (including in its individual capacity), the Indenture
Trustee (including in its individual capacity) and the Seller from and against any and all costs, expenses, losses, claims, damages, and
liabilities to the extent that such cost, expense, loss, claim, damage, or liability arose out of, or was imposed upon any such Person
through, the negligence, willful misfeasance, or bad faith (other than errors in judgment) of the Servicer in the performance of its duties
under this Agreement or any other Transaction Document to which it is a party, or by reason of its failure to perform its obligations
or of reckless disregard of its obligations and duties under this Agreement or any other Transaction Document to which it is a party;
<U>provided</U>, <U>however</U>, that the Servicer will not indemnify for any costs, expenses, losses, claims, damages or liabilities
arising from its breach of any covenant for which the purchase of the affected Receivables is specified as the sole remedy pursuant to
<U>Section 3.6</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Issuer or, if applicable, the Initial Servicer will compensate and indemnify the Backup Servicer (including in its capacity as Successor
Servicer), the Calculation Agent (including in its individual capacity), the Paying Agent (including in its individual capacity), the
Indenture Trustee (including in its individual capacity) and the Owner Trustee (including in its individual capacity) to the extent and
subject to the conditions set forth in Section 3.1(c) of the Backup Servicing Agreement, Section 6.7 of the Indenture and Section 8.2
of the Trust Agreement, as applicable, except, with respect to the Backup Servicer, to the extent that any cost, expense, loss, claim,
damage or liability arises out of or is incurred in connection with the performance by the Backup Servicer of the duties of a successor
Servicer hereunder.</P>

<P STYLE="margin: 0pt 14.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 23.2pt 0pt 5pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Indemnification under this <U>Section 6.2</U> by America&#8217;s Car Mart (or any successor thereto pursuant to <U>Section 7.1</U>) as
Servicer, with respect to the period such Person was the Servicer, will survive the termination or assignment of such Person as Servicer
or a resignation by such Person as Servicer as well as the termination or assignment of this Agreement or the resignation or removal of
the Owner Trustee, the Backup Servicer, the Paying Agent or the Indenture Trustee and will include reasonable fees and expenses of counsel
and expenses of litigation. If either the Issuer or the Servicer has made any indemnity payments pursuant to this <U>Section 6.2</U> and
the Person to or on behalf of whom such payments are made thereafter collects any of such amounts from others, such Person will promptly
repay such amounts to such party, without interest.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 6.3&#9;</B><U>Merger or Consolidation of, or Assumption
of the Obligations of, Servicer</U>. Any entity (i) into which the Servicer may be merged or converted or with which it may be consolidated,
to which it may sell or transfer its business and assets as a whole or substantially as a whole or any entity resulting from any merger,
sale, transfer, conversion, conveyance or consolidation to which the Servicer shall be a party, or any entity succeeding to the business
of the Servicer or (ii) of which more than 50% of the voting stock or voting power and 50% or more of the economic equity is owned directly
or indirectly by America&#8217;s Car-Mart, Inc. and which executes an agreement of assumption to perform every obligation of the Servicer
under this Agreement, shall be the successor to the Servicer under this Agreement, in each case, without the execution or filing of any
paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 6.4&#9;</B><U>Limitation on Liability of Servicer and Others</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Neither the Servicer nor any of the directors or officers or employees or agents of the Servicer will be under any liability to the Issuer,
the Indenture Trustee, the Owner Trustee, the Noteholders or the Certificateholders, except as provided under this Agreement or the other
Transaction Documents, for any action taken or for refraining from the taking of any action pursuant to this Agreement or for errors in
judgment; provided, however, that this provision will not protect the Servicer or any such Person against any liability that would otherwise
be imposed by reason of willful misfeasance or bad faith in the performance of duties or by reason of its failure to perform its obligations
or of reckless disregard of obligations and duties under this Agreement, or by reason of negligence in the performance of its duties under
this Agreement (except for errors in judgment). The Servicer and any director, officer or employee or agent of the Servicer may rely in
good faith on any Opinion of Counsel or on any Officer&#8217;s Certificate of the Seller or certificate of auditors believed to be genuine
and to have been signed by the proper party in respect of any matters arising under this Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Except as provided in this Agreement, the Servicer will not be under any obligation to appear in, prosecute, or defend any legal action
that is not incidental to its duties to service the Receivables in accordance with this Agreement, and that in its opinion may involve
it in any expense or liability; <U>provided</U>, <U>however</U>, that the Servicer may undertake any reasonable action that it may deem
necessary or desirable in respect of this Agreement and the rights and duties of the parties to this Agreement and the interests of the
Noteholders and the Certificateholders under this Agreement. In such event, the legal expenses and costs of such action and any liability
resulting therefrom will be expenses, costs and liabilities of the Servicer.</P>

<P STYLE="margin: 0pt 16.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font-size: 10pt; margin: 0pt 16.3pt 0pt 5pt">Notwithstanding the foregoing, if the Initial Servicer has been replaced as Servicer
hereunder, any expenses or fees payable by the Servicer pursuant to this <U>clause (b)</U> shall be reimbursable by the Issuer in accordance
with <U>Section 4.4(a)</U> of this Agreement or <U>Section 5.4(b)</U> of the Indenture, as applicable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 6.5&#9;</B><U>Delegation of Duties</U>. The Servicer
and any Successor Servicer may, at any time without notice or consent, delegate (a) any or all of its duties (including, without limitation,
its duties as custodian) under the Transaction Documents to any of its Affiliates or (b) specific duties (including, without limitation,
its duties as custodian) to sub-contractors who are in the business of performing such duties; <U>provided</U>, that no such delegation
shall relieve the Servicer of its responsibility with respect to such duties and the Servicer shall remain obligated and liable to the
Issuer and the Indenture Trustee for its duties hereunder as if the Servicer alone were performing such duties. For any servicing activities
delegated to third parties in accordance with this <U>Section 6.5</U>, the Servicer shall follow such policies and procedures to monitor
the performance of such third parties and compliance with such servicing activities as the Servicer follows with respect to comparable
motor vehicle receivables serviced by the Servicer for its own account.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 6.6&#9;</B><U>America&#8217;s Car Mart Servicing Not
to Resign as Servicer</U>. Subject to the provisions of <U>Sections 6.3</U> and <U>6.5</U>, America&#8217;s Car Mart will not resign from
the obligations and duties hereby imposed on it as Servicer under this Agreement except upon determination that the performance of its
duties under this Agreement is no longer permissible under applicable law. Notice of any such determination permitting the resignation
of America&#8217;s Car Mart will be communicated to the Issuer, the Backup Servicer and the Indenture Trustee at the earliest practicable
time (and, if such communication is not in writing, will be confirmed in writing at the earliest practicable time) and any such determination
will be evidenced by an Opinion of Counsel to such effect delivered to the Issuer and the Indenture Trustee concurrently with or promptly
after such notice. No such resignation will become effective until the Backup Servicer as successor Servicer or another successor Servicer
has assumed the responsibilities and obligations of the Servicer (except such responsibilities and obligations as are applicable only
to the Initial Servicer).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 6.7&#9;</B><U>Servicer May Own Notes</U>. The Servicer,
and any Affiliate of the Servicer, may, in its individual or any other capacity, become the owner or pledgee of Notes with the same rights
as it would have if it were not the Servicer or an Affiliate thereof, except as otherwise expressly provided herein or in the other Transaction
Documents. Except as set forth herein or in the other Transaction Documents, Notes so owned by or pledged to the Servicer or such Affiliate
will have an equal and proportionate benefit under the provisions of this Agreement, without preference, priority or distinction as among
all of the Notes.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">ARTICLE VII</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">TERMINATION
OF SERVICER</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 7.1&#9;</B><U>Termination and Replacement of Servicer</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If a Servicer Replacement Event shall have occurred and be continuing, the Indenture Trustee shall, at the direction of the Noteholders
representing at least a majority of the Note Balance of the Controlling Class, by notice given to the Servicer (a &#8220;<U>Servicer Termination
Notice</U>&#8221;), the Owner Trustee, the Backup Servicer, the Issuer, the Administrator, the Rating Agency and the Noteholders, terminate
the rights and obligations of the Servicer under this Agreement with respect to the Receivables. In the event the Servicer is removed
or resigns as Servicer with respect to servicing the Receivables, the Indenture Trustee shall notify the Backup Servicer of such event.
The Backup Servicer may appoint a Successor Servicer in accordance with the Backup Servicing Agreement or delegate any or all of its duties
to any subcontractor or subservicer, in each case, without the consent of the Noteholders or any other party. Subject to <U>Section 7.1(d)</U>
of this Agreement, upon the Servicer&#8217;s receipt of notice of termination, such Servicer will continue to perform its functions as
Servicer under this Agreement only until the date specified in such termination notice or, if no such date is specified in such termination
notice, until the expiration of the Servicing Transition Period.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Noteholders holding not less than a majority of the Note Balance of the Controlling Class (or, if no Notes are Outstanding, the Majority
Certificateholders) may waive any Servicer Replacement Event. Upon any such waiver, such Servicer Replacement Event shall cease to exist
and be deemed not to have occurred, and any Servicer Replacement Event arising therefrom shall be deemed not to have occurred for every
purpose of this Agreement, but no such waiver shall extend to any prior, subsequent or other Servicer Replacement Event or impair any
right consequent thereto.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 27.6pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 27.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If replaced, the Servicer agrees that it will comply with its obligations under the Backup Servicing Agreement with respect to the transition
of servicing.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Upon the effectiveness of the assumption by the Backup Servicer or any newly appointed successor Servicer of its duties pursuant to this
<U>Section 7.1</U> and in accordance with the Backup Servicing Agreement, the Backup Servicer or such newly appointed successor Servicer,
as applicable, shall be the successor in all respects to the Servicer in its capacity as Servicer under this Agreement with respect to
the Receivables, and shall be subject to all the responsibilities, duties and liabilities relating thereto and subject to the limitations
set forth in the Backup Servicing Agreement and this Agreement, except with respect to the obligations of the predecessor Servicer that
survive its termination as Servicer, including indemnification obligations as set forth in <U>Section 6.2(e)</U>. In such event, the Indenture
Trustee and the Owner Trustee are hereby authorized and empowered to execute and deliver, on behalf of the predecessor Servicer, as attorney-in-fact
or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to
effect the purposes of such termination and replacement of the Servicer, whether to complete the transfer and endorsement of the Receivables
and related documents, or otherwise. No Servicer shall resign or be relieved of its duties under this Agreement, as Servicer of the Receivables,
until a</P>

<P STYLE="margin: 0pt 15.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 15.3pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">newly appointed Servicer for the Receivables shall have assumed the
responsibilities and obligations of the resigning or terminated Servicer under this Agreement. The Indenture Trustee, subject to the
prior consent of the Noteholders holding not less than a majority of the Note Balance of the Outstanding Notes, voting together as a
single Class, by Act of such Holders delivered to the Issuer and Indenture Trustee, shall have the right to agree to compensation of
a successor servicer in excess of that permitted under the Transaction Documents. Notwithstanding anything else herein to the
contrary, in no event shall the Indenture Trustee be liable for any Servicing Fee or for any differential in the amount of the
Servicing Fee paid hereunder and the amount necessary to induce the Backup Servicer or any other successor Servicer to act as
successor Servicer under this Agreement and the transactions set forth or provided for herein.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any successor Servicer shall be an established institution whose regular business includes the servicing of comparable motor vehicle receivables.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 42.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 42.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
For so long as SST is the Successor Servicer, all rights, benefits, protections, immunities and indemnities afforded to the Backup Servicer
under the Backup Servicing Agreement shall be applicable to the Successor Servicer, mutatis mutandis.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 7.2&#9;</B><U>Notification to Noteholders</U>. Upon
any termination of, or appointment of a successor to, the Servicer pursuant to this Article VII, the Indenture Trustee will give prompt
written notice thereof to the Backup Servicer, the Owner Trustee, the Issuer, the Administrator and to the Noteholders and the Certificateholders
at their respective addresses of record.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 7.3&#9;</B><U>Limitation of Liability of Successor Servicer</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.2pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Successor Servicer shall be liable hereunder only to the extent of the obligations in <U>Article II</U>, <U>Article III</U>, <U>Section
4.2</U> and <U>Article VI</U> in this Agreement (as modified hereby) and shall have no other duties or obligations under any other Transaction
Document other than as provided in <U>clause (d)</U> below. Notwithstanding anything contained in this Agreement, the Successor Servicer
(including the Backup Servicer, if the Backup Servicer becomes the Successor Servicer) shall have (i) no liability with respect to any
obligation which was required to be performed by the predecessor Servicer or any subservicer prior to the date that such Successor Servicer
becomes the Servicer or any claim of a third party based on any alleged action or inaction of any predecessor Servicer, (ii) no obligation
to perform any repurchase, reimbursement or advancing obligations, if any, of the Servicer or any subservicer (including, without limitation
the repurchase obligations under <U>Section 3.6</U>), (iii) no obligation to pay any taxes required to be paid by the Servicer, (iv) no
obligation to pay any of the expenses described in <U>Section 3.1(b)</U>, the fees, expenses or indemnities of the Indenture Trustee,
Owner Trustee or Administrator in <U>Section 3.10</U>, the expenses described in <U>Section 6.2(b)</U> and no obligation to pay any of
the fees and expenses of any other party involved in this transaction, (v) no liability or obligation with respect to any Servicer indemnification,
defense, or hold harmless obligations of any prior servicer including the original servicer and (vi) no obligation with respect to the
Exchange Act Filings in <U>Section 3.11</U>. The indemnification obligations of a Successor Servicer are expressly limited to those instances
of gross negligence or willful misconduct of such Successor Servicer.Other than the duties specifically set forth in this Agreement, the
Backup Servicer shall have no obligations hereunder, including, to supervise, verify, monitor or</P>

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<P STYLE="margin: 0pt 15.2pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 16.4pt 0pt 5pt">administer the performance of the Servicer or any subservicer thereof,
except, if at all, in its capacity as Successor Servicer. The Backup Servicer shall have no liability for any actions taken or
omitted by the Servicer or any subservicer thereof, except, in its capacity, if at all, as Successor Servicer. Without limiting the
generality of the foregoing, if a Successor Servicer is appointed, the duties and obligations of the Servicer contained herein and
in each of the other Transaction Documents shall be deemed modified as follows: (i) any provision providing that the Servicer shall
take or omit to take any action, or shall have any obligation to do or not do any other thing, upon its &#8220;knowledge&#8221; (or
any derivation thereof), &#8220;discovery&#8221; (or any derivation thereof) or awareness (or any derivation thereof) shall be
interpreted as the actual knowledge of a Responsible Officer of such Successor Servicer or such Responsible Officer&#8217;s receipt
of a written notice thereof, (ii) such Successor Servicer shall not be liable for any claims, liabilities or expenses relating to
the engagement of any accountants or any report issued in connection with such engagement and dissemination of any such report of
any accountants appointed by it (except to the extent that any such claims, liabilities or expenses are caused by such Successor
Servicer&#8217;s gross negligence or willful misconduct) pursuant to the provisions of any Transaction Document, and the
dissemination of such report shall, if applicable, be subject to the consent of such accountants, and (iii) such Successor Servicer
shall have no obligation to provide investment direction pursuant to any Transaction Document requiring investment direction from
the Servicer.No Successor Servicer will be responsible for delays attributable to any predecessor Servicer&#8217;s failure to
deliver information, defects in the information supplied by such predecessor Servicer or other circumstances beyond the reasonable
control of such Successor Servicer. In addition, a Successor Servicer shall have no responsibility and shall not be in default
hereunder or incur any liability for any act or omission, failure, error, malfunction or any delay in carrying out any of its duties
under this Agreement for: (A) any such failure or delay which results from such Successor Servicer acting in accordance with
information prepared or supplied by a Person other than the Successor Servicer or the failure of any such other Person (including
without limitation the parties hereto) or any other Transaction Document to prepare or provide such information or other
circumstances beyond the reasonable control of such Successor Servicer; (B) any act or failure to act by any third party, including
without limitation the parties hereto or any other Transaction Document; (C) any inaccuracy or omission in a notice or communication
received by such Successor Servicer from any third parties; (D) the invalidity or unenforceability of any Receivable and the
Receivable Files under applicable law; (E) the breach or inaccuracy of any representation or warranty made by America&#8217;s
Car-Mart or any predecessor Servicer with respect to the Receivables and the Receivable Files; or (F) the acts or omissions of any
predecessor Servicer.The Servicer shall perform all of its duties as Servicer as specifically enumerated herein and shall make
deposits of Collections into the Collection Account pursuant to Section 8.2(a) of the Indenture. Additionally, the initial Servicer
(i) shall provide written instruction to the Indenture Trustee regarding financing statements and file (or cause to be filed)
financing statements pursuant to Sections 3.5 and 3.7 of the Indenture, (ii) shall exercise the powers necessary to cause the Issuer
to engage in the activities listed in Section 2.3 of the Amended and Restated Trust Agreement and (iii) may, but shall not be
obligated to, give investment directions to the Indenture Trustee pursuant to Section 8.3 of the Indenture; provided, however, that
no Successor Servicer shall have any duty or obligation with respect the performance of the duties and obligations listed in this
sentence. <U>Reliance on Work Product</U>. Notwithstanding anything contained in the Agreement to the contrary, any Successor
Servicer is authorized to accept and rely on all of the accounting, records (including computer records) and</P>

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<P STYLE="margin: 0pt 16.4pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.45pt 0pt 5pt">work of the prior Servicer (collectively, the &#8220;Predecessor Servicer Work
Product&#8221;) without any audit or other examination thereof, and such Successor Servicer shall have no duty, responsibility, obligation
or liability for the acts and omissions of the prior Servicer. If any error, inaccuracy, omission or incorrect or non-standard practice
or procedure (collectively, &#8220;Errors&#8221;) exist in any Predecessor Servicer Work Product and such Errors make it materially more
difficult to service or should cause or materially contribute to the Successor Servicer making or continuing any Errors (collectively,
&#8220;Continued Errors&#8221;), the Successor Servicer shall have no duty, responsibility, obligation or liability for such Continued
Errors; provided, however, that the Successor Servicer agrees to use its best efforts to prevent further Continued Errors. In the event
that the Successor Servicer becomes aware of Errors or Continued Errors, it shall, with the prior consent of the Noteholders representing
66 2/3% of the Outstanding Notes, use its best efforts to reconstruct and reconcile such data as is commercially reasonable to correct
such Errors and Continued Errors and to prevent future Continued Errors. The Successor Servicer shall be entitled to recover its costs
thereby expended in accordance with <U>Section 4.4</U> hereof.<U>Initial Servicer&#8217;s Agent</U>. The initial Servicer shall appoint
any Successor Servicer as the initial Servicer&#8217;s agent to execute, file, prepare, or record documents and otherwise perform on the
initial Servicer&#8217;s behalf and in the initial Servicer&#8217;s name all actions reasonably necessary for the Successor Servicer to
perform its duties defined herein. The initial Servicer shall appoint the Successor Servicer as the initial Servicer&#8217;s attorney-in-fact
to act in the name of the initial Servicer to perform the duties of Servicer. Upon such Successor Servicer&#8217;s request, the initial
Servicer shall execute and deliver to the Successor Servicer a revocable and limited power of attorney to further authorize the Successor
Servicer to perform its duties.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; margin: 0pt 0 0pt 5pt">CLEAN-UP CALL</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 8.1&#9;</B><U>Clean-Up Call by Servicer</U>.
The Servicer shall have the right at its option (the &#8220;<U>Clean-Up Call</U>&#8221;) to purchase (and/or to designate one or
more other persons to purchase) the Receivables, the Receivable Files and the Related Security (other than the Reserve Account) from
the Issuer on any Payment Date if both of the following conditions are satisfied: (i) as of such Payment Date, the Note Balance has
declined to 10% or less of the Note Balance as of the Closing Date, and (ii) the sum of the Optional Purchase Price and the
Available Funds for such Payment Date would be sufficient to pay the sum of (A) the Servicing Fee for such Payment Date and all
unpaid Servicing Fees with respect to prior periods, (B) all fees, expenses and indemnities owed to the Indenture Trustee, the
Backup Servicer, the Calculation Agent, the Certificate Registrar and the Owner Trustee and not previously paid (without giving
effect to any caps), (C) interest then due on the Outstanding Notes and (D) the aggregate unpaid Note Balance of all of the
Outstanding Notes. To exercise the Clean-Up Call, the Servicer (or its designee) shall deposit the Optional Purchase Price into the
Collection Account on the Redemption Date. To avoid insufficient funds being available to make all payments as set forth in <U>Section
4.4(a)</U> in full, the Indenture Trustee shall, upon written directions from the Servicer (or its designee), withdraw any remaining
amount on deposit in the Reserve Account and deposit such amounts into the Collection Account no later than 12:00 noon, New York
City time, on the Business Day prior to the date of the Clean-Up Call. The Servicer shall furnish written notice of its election to
exercise the Optional Purchase to the Indenture Trustee and the Owner Trustee not later than ten (10) days prior to the date of the
Optional Purchase. If the Servicer (or its designee) exercises the Optional Purchase, all Outstanding Notes shall be due and payable
under the Indenture and the Notes shall be redeemed, in each case in whole and not in part, on the related Payment Date</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

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<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">for the Redemption Price. Following any such Optional Purchase, any funds remaining
in the Reserve Account will be distributed to or at the direction of the Servicer.</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: 56pt; margin: 0pt 157.3pt 0pt 147.4pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">ARTICLE IX</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-weight: bold; text-align: center">MISCELLANEOUS
PROVISIONS</P>

<P STYLE="margin: 0pt 157.3pt 0pt 147.4pt; font-size: 10pt; font-weight: bold; text-align: left; text-indent: 56pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt"><B>SECTION 9.1&#9;</B><U>Amendment</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 27.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 27.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any term or provision of this Agreement (including <U>Appendix A</U>) may be amended by the Seller and the Servicer, without the consent
of the Indenture Trustee, any Noteholder, the Issuer, the Backup Servicer, the Paying Agent, the Owner Trustee or any other Person subject
to the satisfaction of one of the following conditions:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.4pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.4pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Seller or the Servicer delivers an Opinion of Counsel or Officer&#8217;s Certificate to the Indenture Trustee to the effect that such
amendment will not materially and adversely affect the interests of the Noteholders; or</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.45pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.45pt 0pt 41pt; font-size: 10pt; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Rating Agency Condition is satisfied with respect to such amendment and the Seller or the Servicer notifies the Indenture Trustee
in writing that the Rating Agency Condition is satisfied with respect to such amendment.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This Agreement (including <U>Appendix A</U>) may also be amended from time to time by the Seller, the Servicer and the Indenture Trustee
(when so directed by an Issuer Request), with the consent of the Holders of Notes evidencing not less than a majority of the aggregate
Note Balance of the Controlling Class, for the purpose of adding any provisions to or changing in any manner or eliminating any of the
provisions of this Agreement or of modifying in any manner the rights of the Noteholders; <U>provided</U>, that no such amendment shall
(i) reduce the interest rate or principal amount of any Note or change or delay the Final Scheduled Payment Date of any Note without the
consent of the Holder of such Note or (ii) reduce the percentage of the aggregate outstanding principal amount of the Outstanding Notes,
the consent of which is required to consent to any matter without the consent of the Holders of at least the percentage of the Note Balance
which was required to consent to such matter before giving effect to such amendment. It will not be necessary for the consent of Noteholders
to approve the particular form of any proposed amendment or consent, but it will be sufficient if such consent approves the substance
thereof. The manner of obtaining such consents (and any other consents of Noteholders provided for in this Agreement) and of evidencing
the authorization of the execution thereof by Noteholders will be subject to such reasonable requirements as the Indenture Trustee may
prescribe, including the establishment of record dates pursuant to the Depository Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 35.25pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 35.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any term or provision of this Agreement (including <U>Appendix A</U>) may also be amended from time to time by the Seller and the Servicer,
for the purpose of conforming the terms of this Agreement to the description thereof in the Offering Memorandum without the consent of
the Indenture Trustee, any Noteholder, the Issuer, the Backup Servicer, the Owner Trustee or any other Person; <I>provided</I>, <I>however</I>,
that the Seller and the Servicer shall provide written notification of the substance of such amendment to the Indenture Trustee, the Backup</P>

<P STYLE="margin: 0pt 35.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 35.25pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">Servicer, the Issuer and the Owner Trustee and promptly after the execution of
any such amendment, the Seller and the Servicer shall furnish a copy of any such amendment to the Indenture Trustee, the Backup Servicer,
the Issuer and the Owner Trustee.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the execution of any amendment or consent pursuant to this <U>Section 9.1</U>, the Servicer shall provide written notification
of the substance of such amendment to the Rating Agency and the Owner Trustee; and promptly after the execution of any such amendment,
or consent the Servicer shall furnish a copy of such amendment or consent to the Rating Agency, the Owner Trustee, the Backup Servicer,
the Calculation Agent, the Paying Agent and the Indenture Trustee; <I>provided</I>, notwithstanding anything herein to the contrary, that
no amendment pursuant to this <U>Section 9.1</U> shall be effective which affects the rights, protections, immunities, indemnities or
duties of the Indenture Trustee, the Backup Servicer, the Calculation Agent, the Paying Agent or the Owner Trustee without the prior written
consent of such Person (which consent shall not be unreasonably withheld or delayed).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 23.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 23.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Prior to the execution of any amendment to this Agreement, the Owner Trustee, the Backup Servicer and the Indenture Trustee shall be entitled
to receive and conclusively rely upon an Opinion of Counsel stating that the execution of such amendment is authorized or permitted by
this Agreement and that all conditions precedent to the execution and delivery of such amendment have been satisfied. The Owner Trustee,
the Backup Servicer, the Paying Agent, the Calculation Agent and the Indenture Trustee may, but shall not be obligated to, enter into
or execute on behalf of the Issuer, any such amendment which adversely affects the Owner Trustee&#8217;s, the Backup Servicer&#8217;s,
the Paying Agent&#8217;s, the Calculation Agent&#8217;s or the Indenture Trustee&#8217;s, as applicable, own rights, protections, immunities,
indemnities or duties under this Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding <U>subsections (a)</U> and <U>(b)</U> of this <U>Section 9.1</U>, this Agreement may only be amended by the Seller and
the Servicer if (i) the Majority Certificateholders consent to such amendment or (ii) such amendment shall not, as evidenced by an Officer&#8217;s
Certificate of the Seller or the Servicer or an Opinion of Counsel delivered to the Indenture Trustee and the Owner Trustee, materially
and adversely affect the interests of the Certificateholders.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 9.2&#9;</B><U>Protection of Title</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Seller shall authorize and file such financing statements and cause to be authorized and filed such continuation and other financing
statements, all in such manner and in such places as may be required by law fully to preserve, maintain and protect the interest of the
Issuer and the Indenture Trustee under this Agreement in the Purchased Assets (to the extent that the interest of the Issuer or the Indenture
Trustee therein can be perfected by the filing of a financing statement). The Seller shall deliver (or cause to be delivered) to the Issuer
file- stamped copies of, or filing receipts for, any document filed as provided above, as soon as available following such filing.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 38pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 38pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Seller shall notify the Issuer in writing within ten (10) days following the occurrence of (i) any change in the Seller&#8217;s organizational
structure as a limited liability company and (ii) any change in the Seller&#8217;s name. The Seller shall take all action prior to making
such change (or shall have made arrangements to take such action substantially</P>

<P STYLE="margin: 0pt 38pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 38pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 17.7pt 0pt 5pt">simultaneously with such change, if it is not possible to take such action in advance)
reasonably necessary to amend all previously filed financing statements or continuation statements described in <U>paragraph (a)</U> above
to maintain perfection of the Issuer in the Receivables and shall have delivered to the Indenture Trustee within thirty (30) days after
such change an Opinion of Counsel either (A) stating that, in the opinion of such counsel, all financing statements and continuation statements
and amendments thereto have been executed and filed that are necessary to preserve and protect the interest of the Issuer in the Receivables
or (B) stating that, in the opinion of such counsel, no such action shall be necessary to preserve and protect such interest.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Seller shall give the Issuer and the Indenture Trustee at least five days&#8217; prior written notice of any change of location of
the Seller for purposes of Section 9-307 of the UCC and shall have taken all action prior to making such change (or shall have made arrangements
to take such action substantially simultaneously with such change, if it is not practicable to take such action in advance) reasonably
necessary or advisable to amend all previously filed financing statements or continuation statements described in <U>paragraph (a)</U>
above.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer shall maintain (or cause its subservicer to maintain) in accordance with its Customary Servicing Practices accounts and records
as to each Receivable accurately and in sufficient detail to permit (i) the reader thereof to know at any time the status of such Receivable,
including payments and recoveries made and payments owing (and the nature of each) and (ii) reconciliation between payments or recoveries
on (or with respect to) each Receivable and the amounts from time to time deposited in the Collection Account in respect of such Receivable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Servicer shall maintain (or shall cause its subservicer to maintain)its computer systems so that, from time to time after the conveyance
under this Agreement of the Receivables, the master computer records (including any backup archives) that refer to a Receivable shall
indicate clearly the interest of the Issuer in such Receivable and that such Receivable is owned by the Issuer (or its assignee) and has
been pledged to the Indenture Trustee on behalf of the Noteholders pursuant to the Indenture. Indication of the Issuer&#8217;s and the
Indenture Trustee&#8217;s interest in a Receivable shall not be deleted from or modified on such computer systems until, and only until,
the related Receivable shall have been paid in full or repurchased.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If at any time the Servicer shall propose to sell, grant a security interest in or otherwise transfer any interest in motor vehicle receivables
to any prospective purchaser, lender or other transferee, the Servicer shall give to such prospective purchaser, lender or other transferee
computer tapes, records or printouts (including any restored from backup archives) that, if they shall refer in any manner whatsoever
to any Receivable, shall indicate clearly that such Receivable has been sold and is owned by the Issuer (or its assignee) and has been
pledged to the Indenture Trustee on behalf of the Noteholders.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.3&#9;</B><U>Other Liens or Interests</U>. Except
for the conveyances and grants of security interests pursuant to this Agreement and the other Transaction Documents, the Seller shall
not sell, pledge, assign or transfer the Receivables or other property transferred to the Issuer to any other Person, or grant, create,
incur, assume or suffer to exist any Lien (other than Permitted Liens) on any interest therein, and the Seller shall defend the right,
title and interest of</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">the Issuer (or its assignee) in, to and under such Receivables and other property transferred
to the Issuer against all claims of third parties claiming through or under the Seller.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 9.4&#9;</B><U>Transfers Intended as Sale; Security Interest</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each of the parties hereto expressly intends and agrees that the transfers contemplated and effected under this Agreement are complete
and absolute sales, transfers, assignments, contributions and conveyances without recourse rather than pledges or assignments of only
a security interest and shall be given effect as such for all purposes. It is further the intention of the parties hereto that the Receivables
and related Transferred Assets shall not be part of the Seller&#8217;s estate in the event of a bankruptcy or insolvency of the Seller.
The sales and transfers by the Seller of Receivables and related Transferred Assets hereunder are and shall be without recourse to, or
representation or warranty (express or implied) by, the Seller, except as otherwise specifically provided herein. The limited rights of
recourse specified herein against the Seller are intended to provide a remedy for breach of representations and warranties relating to
the condition of the property sold, rather than to the collectability of the Receivables.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 33.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 33.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding the foregoing, in the event that the Receivables and other Transferred Assets are held to be property of the Seller, or
if for any reason this Agreement is held or deemed to create indebtedness or a security interest in the Receivables and other Transferred
Assets, then it is intended that:</P>

<P STYLE="margin: 0pt 33.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(i)</TD><TD STYLE="padding-right: 30.65pt">This Agreement shall be deemed to be a security agreement within the meaning of Articles 8 and 9 of
the New York UCC and the UCC of any other applicable jurisdiction;</TD></TR></TABLE>

<P STYLE="margin: 0pt 33.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(ii)</TD><TD STYLE="padding-right: 16.4pt">The conveyance provided for in <U>Section 2.1</U> shall be deemed to be a grant by the Seller of, and
the Seller hereby grants to the Issuer, a security interest in all of its right (including the power to convey title thereto), title and
interest, whether now owned or hereafter acquired, in and to the Receivables and other Transferred Assets, to secure such indebtedness
and the performance of the obligations of the Seller hereunder;</TD></TR></TABLE>

<P STYLE="margin: 0pt 33.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(iii)</TD><TD STYLE="padding-right: 16.75pt">The possession by the Issuer or the Servicer as the Issuer&#8217;s agent, of the Receivable Files and
any other property that constitute instruments, money, negotiable documents or chattel paper shall be deemed to be &#8220;possession by
the secured party&#8221; or possession by the purchaser or a person designated by such purchaser, for purposes of perfecting the security
interest pursuant to the New York UCC and the UCC of any other applicable jurisdiction; and</TD></TR></TABLE>

<P STYLE="margin: 0pt 33.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(iv)</TD><TD STYLE="padding-right: 27.55pt">Notifications to persons holding such property, and acknowledgments, receipts or confirmations from
persons holding such property, shall be deemed to be notifications to, or acknowledgments, receipts or confirmations from, bailees or
agents, as applicable, of the Issuer for the purpose of perfecting such security interest under applicable law.</TD></TR></TABLE>

<P STYLE="margin: 0pt 33.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.5pt 0pt 5pt"><B></B></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 19.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.5&#9;</B><U>Information Requests</U>. The parties
hereto shall provide any information reasonably requested by the Servicer, the Issuer, the Seller or any of their Affiliates, in order
to comply with or obtain more favorable treatment under any current or future law, rule, regulation, accounting rule or principle.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.6&#9;</B><U>Notices, Etc.</U> All demands, notices
and communications hereunder shall be in writing and shall be delivered or mailed by registered or certified first-class United States
mail, postage prepaid, hand delivery, prepaid courier service or by electronic transmission, and addressed in each case as set forth on
<U>Schedule I</U> hereto or at such other address as shall be designated by any of the specified addressees in a written notice to the
other parties hereto. Any notice required or permitted to be mailed to a Noteholder shall be given by first class mail, postage prepaid,
at the address of such Noteholder as shown in the Note Register. Delivery shall occur only upon receipt or reported tender of such communication
by an officer of the recipient entitled to receive such notices located at the address of such recipient for notices hereunder; <U>provided</U>,
<U>however</U>, that any notice to a Noteholder mailed within the time and manner prescribed in this Agreement shall be conclusively presumed
to have been duly given, whether or not the Noteholder shall receive such notice.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.7&#9;</B><U>Choice of Law</U>. <B>THIS AGREEMENT
SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL, SUBSTANTIVE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE
RULES THEREOF RELATING TO CONFLICTS OF LAW, OTHER THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW, AND THE OBLIGATIONS,
RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.</B></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.8&#9;</B><U>Headings</U>. The article and section
headings hereof have been inserted for convenience only and shall not be construed to affect the meaning, construction or effect of this
Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.9&#9;</B><U>Counterparts and Electronic Signature</U>.
This Agreement shall be valid, binding, and enforceable against a party only when executed by an authorized individual on behalf of the
party by means of (i) an electronic signature that complies with the federal Electronic Signatures in Global and National Commerce Act,
state enactments of the Uniform Electronic Transactions Act, and/or any other relevant electronic signatures law, in each case to the
extent applicable, (ii) an original manual signature, or (iii) a faxed, scanned, or photocopied manual signature. Each electronic signature
or faxed, scanned, or photocopied manual signature shall for all purposes have the same validity, legal effect, and admissibility in evidence
as an original manual signature. Each party hereto shall be entitled to conclusively rely upon, and shall have no liability with respect
to, any electronic signature or faxed, scanned, or photocopied manual signature of any other party and shall have no duty to investigate,
confirm or otherwise verify the validity or authenticity thereof. This Agreement may be executed in any number of counterparts, each of
which shall be deemed to be an original, but such counterparts shall, together, constitute only one instrument. Notwithstanding the foregoing,
with respect to any notice provided for in this Agreement or any instrument required or permitted to be delivered hereunder, any party
hereto receiving or relying upon such notice or instrument shall be entitled</P>

<P STYLE="margin: 0pt 16.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 16.75pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">to request execution thereof by original manual signature as a condition to the
effectiveness thereof.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.10&#9;</B><U>Waivers</U>. No failure or delay
on the part of the Servicer, the Seller, the Issuer, the Backup Servicer or the Indenture Trustee in exercising any power or right hereunder
(to the extent such Person has any power or right hereunder) shall operate as a waiver thereof, nor shall any single or partial exercise
of any such power or right preclude any other or further exercise thereof or the exercise of any other power or right. No notice to or
demand on any party hereto in any case shall entitle it to any notice or demand in similar or other circumstances. No waiver or approval
by any party hereto under this Agreement shall, except as may otherwise be stated in such waiver or approval, be applicable to subsequent
transactions. No waiver or approval under this Agreement shall require any similar or dissimilar waiver or approval thereafter to be granted
hereunder.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 23.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 23.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.11&#9;</B><U>Entire Agreement</U>. The Transaction
Documents contain a final and complete integration of all prior expressions by the parties hereto with respect to the subject matter thereof
and shall constitute the entire agreement among the parties hereto with respect to the subject matter thereof, superseding all prior oral
or written understandings. There are no unwritten agreements among the parties with respect to the transactions described in the Transaction
Documents.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.12&#9;</B><U>Severability of Provisions</U>.
If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid,
then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or
terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 25.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 25.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.13&#9;</B><U>Binding Effect</U>. This Agreement
shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns. This Agreement
shall create and constitute the continuing obligations of the parties hereto in accordance with its terms, and shall remain in full force
and effect until such time as the parties hereto shall agree.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 22.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 22.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.14&#9;</B><U>Acknowledgment and Agreement</U>.
By execution below, the Seller expressly acknowledges and consents to the pledge, assignment and Grant of a security interest in the Receivables,
the other Transferred Assets and the Issuer&#8217;s rights under this Agreement by the Issuer to the Indenture Trustee pursuant to the
Indenture for the benefit of the Noteholders. In addition, the Seller hereby acknowledges and agrees that for so long as the Notes are
outstanding, the Indenture Trustee will have the right to exercise all powers, privileges and claims of the Issuer under this Agreement
in the event that the Issuer shall fail to exercise the same.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 24.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 24.75pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.15&#9;</B><U>Cumulative Remedies</U>. The remedies
herein provided are cumulative and not exclusive of any remedies provided by law.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.16&#9;</B><U>Nonpetition Covenant</U>. Each party
hereto agrees that, prior to the date which is one year and one day after payment in full of all obligations of each Bankruptcy</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.8pt 0pt 5pt">Remote Party in respect of all securities issued by any Bankruptcy Remote Party
(i) such party hereto shall not authorize any Bankruptcy Remote Party to commence a voluntary winding-up or other voluntary case or other
Proceeding seeking liquidation, reorganization or other relief with respect to such Bankruptcy Remote Party or its debts under any bankruptcy,
insolvency or other similar law now or hereafter in effect in any jurisdiction or seeking the appointment of an administrator, a trustee,
receiver, liquidator, custodian or other similar official with respect to such Bankruptcy Remote Party or any substantial part of its
property or to consent to any such relief or to the appointment of or taking possession by any such official in an involuntary case or
other Proceeding commenced against such Bankruptcy Remote Party, or to make a general assignment for the benefit of, its creditors generally,
any party hereto or any other creditor of such Bankruptcy Remote Party, and (ii) such party shall not commence, join with any other Person
in commencing or institute with any other Person, any Proceeding against such Bankruptcy Remote Party under any bankruptcy, reorganization,
liquidation or insolvency law or statute now or hereafter in effect in any jurisdiction; <I>provided</I>, <I>however</I>, that the foregoing
shall not prevent the Owner Trustee from filing a proof of claim in any such Proceeding. This Section shall survive the termination of
this Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 26.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 26.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.17&#9;</B><U>Submission to Jurisdiction; Waiver
of Jury Trial</U>. Each of the parties hereto hereby irrevocably and unconditionally:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
submits for itself and its property in any Proceeding relating to this Agreement or any documents executed and delivered in connection
herewith, or for recognition and enforcement of any judgment in respect thereof, to the nonexclusive general jurisdiction of the courts
of the State of New York, the courts of the United States of America for the Southern District of New York and appellate courts from any
thereof;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.55pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
consents that any such Proceeding may be brought and maintained in such courts and waives any objection that it may now or hereafter have
to the venue of such Proceeding in any such court or that such Proceeding was brought in an inconvenient court and agrees not to plead
or claim the same;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
agrees that service of process in any such Proceeding may be effected by mailing a copy thereof by registered or certified mail (or any
substantially similar form of mail), postage prepaid, to such Person at its address determined in accordance with <U>Section 9.6</U> of
this Agreement;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 23.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 23.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
agrees that nothing herein shall affect the right to effect service of process in any other manner permitted by law or shall limit the
right to sue in any other jurisdiction; and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 23pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 23pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>to the extent permitted by applicable law, each party hereto irrevocably waives all right of trial by jury in any Proceeding or counterclaim
based on, or arising out of, under or in connection with this Agreement, any other Transaction Document, or any matter arising hereunder
or thereunder.</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"><B>SECTION 9.18&#9;</B><U>Limitation of Liability</U>.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 31.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 31.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
It is expressly understood and agreed by the parties that (a) this Agreement is executed and delivered by BNY Mellon Trust of Delaware,
not individually or personally, but</P>

<P STYLE="margin: 0pt 31.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 31.5pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 17.15pt 0pt 5pt">solely as Owner Trustee of the Issuer, in the exercise of the powers and authority
conferred and vested in it pursuant to the Trust Agreement, (b) each of the representations, warranties, covenants, undertakings and agreements
herein made on the part of the Issuer is made and intended not as personal representations, warranties, covenants undertakings and agreements
by BNY Mellon Trust of Delaware, but is made and intended for the purpose of binding only the Issuer, (c) nothing herein contained shall
be construed as creating any liability on BNY Mellon Trust of Delaware, individually or personally, to perform any covenant either expressed
or implied contained herein, all such liability, if any, being expressly waived by the parties hereto and by any person claiming by, through
or under the parties hereto, (d) BNY Mellon Trust of Delaware has made no investigation as to the accuracy or completeness of any representations
or warranties made by the Owner Trustee or the Issuer in this Agreement and (e) under no circumstances shall BNY Mellon Trust of Delaware,
be personally liable for the payment of any indebtedness or expenses of the Issuer or be liable for the breach or failure of any obligation,
representation, warranty or covenant made or undertaken by the Issuer under this Agreement or under the Notes or any of the other Transaction
Documents or in any of the certificates, notices or agreements delivered pursuant thereto, as to all of which recourse shall be had solely
to the assets of the Issuer.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding anything contained herein to the contrary, this Agreement has been executed and delivered by Deutsche Bank National Trust
Company, not in its individual capacity but solely as Indenture Trustee and Paying Agent, respectively, and in no event shall it have
any liability for the representations, warranties, covenants, agreements or other obligations of the Issuer under the Notes or any of
the other Transaction Documents or in any of the certificates, notices or agreements delivered pursuant thereto, as to all of which recourse
shall be had solely to the assets of the Issuer; <U>provided</U> that the Indenture Trustee shall be responsible for its actions as Indenture
Trustee hereunder and under the Indenture. Under no circumstances shall the Indenture Trustee or the Paying Agent be personally liable
for the payment of any indebtedness or expense of the Issuer or be liable for the breach or failure of any obligations, representation,
warranty or covenant made or undertaken by the Issuer under the Transaction Documents. For the purposes of this Agreement, in the performance
of its duties or obligations hereunder, the Indenture Trustee shall be subject to, and entitled to the benefits of, the terms and provisions
of <U>Article VI</U> of the Indenture.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.19&#9;</B><U>Third-Party Beneficiaries</U>. This
Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective successors and permitted assigns and
BNY Mellon Trust of Delaware, in its individual capacity and as Owner Trustee shall be an express third-party beneficiary hereof and may
enforce the provisions hereof as if it were a party hereto. Except as otherwise provided in this Section, no other Person will have any
right hereunder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in"><B>SECTION 9.20</B> <U>Information to
Be Provided by the Indenture Trustee</U>. The Indenture Trustee shall, to the extent the Indenture Trustee has received any repurchase
or replacement request with respect to any Receivable, no later than the fifth Business Day after the last day of each calendar month,
provide notice to the Seller and America&#8217;s Car Mart (each, a &#8220;<U>Car-Mart Party</U>&#8221; and, collectively, the &#8220;<U>Car-Mart
Parties</U>&#8221;), in a form to be mutually agreed upon by America&#8217;s Car Mart and the Indenture Trustee, of (i) all demands communicated
to a Responsible Officer of the Indenture Trustee for the repurchase or replacement of any Receivable for breach of</P>

<P STYLE="margin: 0pt 14.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="margin: 0pt 14.8pt 0pt 5pt; font-size: 10pt; text-align: justify"></P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 14.8pt 0pt 5pt">the representations and warranties concerning such Receivable
and (ii) any actions taken by the Indenture Trustee with respect to such demand communicated to the Indenture Trustee in respect of any
Receivables. In addition, the Indenture Trustee shall, upon written request of either Car- Mart Party, at any time such Car-Mart Party
reasonably feels necessary, provide notification to the Car-Mart Parties with respect to any actions taken by the Indenture Trustee as
soon as practicable and in any event within five Business Days of receipt of such request.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"><B>SECTION 9.21&#9;</B><U>AML Law</U>. In order to
comply with the laws, rules, regulations and executive orders in effect from time to time applicable to banking institutions,
including, without limitation, those relating to the funding of terrorist activities and money laundering, including Section 326 of
the USA PATRIOT Act of 2001 as amended from time to time (&#8220;<U>AML Law</U>&#8221;), the Indenture Trustee is required to
obtain, verify, record and update certain information relating to individuals and entities which maintain a business relationship
with the Indenture Trustee. Accordingly, each of the parties to this Agreement agrees to provide to the Indenture Trustee upon its
request from time to time such identifying information and documentation as may be available for such party in order to enable the
Indenture Trustee to comply with AML Law.</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.5pt 0pt 92.35pt">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">[SIGNATURES FOLLOW]</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.5pt 0pt 92.35pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 35.45pt; margin: 0pt 32.25pt 0pt 14.25pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 32.25pt 0pt 14.25pt; font-size: 10pt; text-indent: 35.45pt">IN WITNESS WHEREOF, the parties have caused this Sale
and Servicing Agreement to be duly executed by their respective officers thereunto duly authorized as of the day and year first above
written.</P>

<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0pt 0 0pt 3.5in"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 0 0pt 3.5in; font-size: 10pt; text-indent: -0.5in"><B>&nbsp;</B></P>

<P STYLE="margin: 0pt 0 0pt 3.5in; font-size: 10pt; text-indent: -0.5in"><B>&nbsp;</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; width: 50%">ACM FUNDING, LLC<FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400">, as Seller</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">By: <FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400"><U>/s/ Vickie D. Judy</U></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">Name: Vickie D. Judy</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">Title: Secretary&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin: 0pt 0 0pt 3.5in; font-size: 10pt; text-indent: -0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3.5in; font-size: 10pt; text-indent: -0.5in">&nbsp;</P>


<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 166.6pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 166.6pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 166.6pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 166.6pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 221pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">ACM AUTO TRUST 2025-2<FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400">, as Issuer</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 40%">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">By:</TD>
    <TD STYLE="text-indent: -10pt; padding-left: 10pt; vertical-align: bottom">BNY Mellon Trust of Delaware, not in its individual capacity but solely as Owner Trustee</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400">/s/ Dawn Plows</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Name:</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Dawn Plows</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Title:&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Associate</TD></TR>
  </TABLE>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 221pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0in; margin: 0pt 0 0pt 3in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt"></P>


<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: left">AMERICA&rsquo;S CAR MART, INC.<FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400">, as Servicer</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%; font-size: 10pt; text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 40%; font-size: 10pt; text-align: left">/s/ Douglas W. Campbell</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom">Name:</TD>
    <TD STYLE="font-size: 10pt; vertical-align: middle; text-align: left">Douglas Campbell</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; vertical-align: middle; text-align: left">Title:&nbsp;</TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom">President</TD></TR>
  </TABLE>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt; text-indent: 0in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0in; margin: 0pt 0 0pt 3in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 3in; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: #1C1C1C; font-weight: bold; vertical-align: middle; text-align: justify">DEUTSCHE BANK NATIONAL TRUST
    COMPANY, <FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #1C1C1C">not </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #0C0C0C">in </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #1C1C1C">its </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #0C0C0C">individual </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #1C1C1C">capacity </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #0C0C0C">but </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #1C1C1C">solely
    as </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #0C0C0C">Indenture </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #1C1C1C">Trustee,
    Paying Agent </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #0C0C0C">and </FONT><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400; color: #1C1C1C">Calculation
    Agent</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: #1C1C1C; font-weight: bold; vertical-align: middle; text-align: justify">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400">/s/ Timothy Johnson</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Name:&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Timothy Johnson</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Title:&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Assistant Vice President</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400">/s/ Ronaldo Reyes</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Name:&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Ronado Reyes</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Title:&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Vice President</TD></TR>
  </TABLE>
<P STYLE="margin: 0pt 0; font-size: 10pt"><B></B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 22.35pt"></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: left; margin: 0pt 0 0pt 221pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">SYSTEMS &amp; SERVICES TECHNOLOGIES, INC.<FONT STYLE="font-size: 10pt; font-style: normal; font-weight: 400">,
    as Backup Servicer</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 40%">&nbsp;</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">/s/ Elizabeth Lan Pan</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Name:&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Elizabeth Lan Pan</TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: left">Title:</TD>
    <TD STYLE="vertical-align: bottom">President</TD></TR>
  </TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0; font-size: 10pt"></P>

<P STYLE="text-align: right; font-size: 10pt; margin: 0pt 0 0pt 5pt"><B>SCHEDULE I</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">NOTICE ADDRESSES</P>
<P STYLE="margin: 0pt 0; font-size: 10pt"><I></I></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"><U>If to the Issuer</U>:</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">ACM Auto Trust 2025-2</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">c/o BNY Mellon Trust of Delaware</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">103 Bellevue Parkway</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Wilmington, Delaware 19809</P>



<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Attention: Corporate Trust Administration</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">with copies to the Administrator and the Indenture Trustee</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 187.9pt 0pt 5pt"><U>If to the Sponsor, the Servicer or the Administrator</U>:</P>

<P STYLE="margin: 0pt 187.9pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 187.9pt 0pt 5pt; font-size: 10pt">America&#8217;s Car
Mart, Inc.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">1805 N 2nd St, Suite 401</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Rogers, Arkansas 72756</P>

<P STYLE="font-size: 10pt; margin: 0pt 328.35pt 0pt 5pt">Telephone: (479) 464-9444</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">Attention: Brett Papasan</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 328.35pt 0pt 5pt"><U>If to the Seller or the Depositor</U>:</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">ACM Funding, LLC</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">1805 N 2nd St, Suite 401</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Rogers, Arkansas 72756</P>

<P STYLE="font-size: 10pt; margin: 0pt 328.35pt 0pt 5pt">Telephone: (479) 464-9444</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">Attention: Brett Papasan</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"><U>If to Colonial</U>:</P>

<P STYLE="font-size: 10pt; margin: 0pt 328.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">Colonial Auto Finance, Inc.</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">1805 N 2nd St, Suite 401</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Rogers, Arkansas 72756</P>

<P STYLE="font-size: 10pt; margin: 0pt 328.35pt 0pt 5pt">Telephone: (479) 464-9444</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">Attention: Brett Papasan</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt"></P>

<!-- Field: Page; Sequence: 49; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">I-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; text-indent: 69.1pt; margin: 0pt 0 0pt 1pt">Schedule I to Sale and Servicing Agreement</P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"><U>If to the Indenture Trustee, Paying Agent, Calculation Agent or Certificate Registrar</U>:</P>

<P STYLE="font-size: 10pt; margin: 0pt 283.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 283.35pt 0pt 5pt; font-size: 10pt">Deutsche Bank National Trust Company</P>

<P STYLE="margin: 0pt 283.35pt 0pt 5pt; font-size: 10pt">Trust &amp; Agency Services</P>

<P STYLE="font-size: 10pt; margin: 0pt 328.35pt 0pt 5pt">1761 East St. Andrew Place</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">Santa Ana, California 92705</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Attention: ABS Client Services &#8211; ACMAT252</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"><U>If to the Backup Servicer</U>:</P>

<P STYLE="font-size: 10pt; margin: 0pt 283.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 283.35pt 0pt 5pt; font-size: 10pt">Systems &amp; Services Technologies, Inc.</P>

<P STYLE="margin: 0pt 283.35pt 0pt 5pt; font-size: 10pt">c/o Alorica Inc.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">5161 California Avenue, Suite 100</P>

<P STYLE="font-size: 10pt; margin: 0pt 377.15pt 0pt 5pt">Irvine, CA 92617</P>

<P STYLE="margin: 0pt 377.15pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 377.15pt 0pt 5pt; font-size: 10pt">With a copy to:</P>

<P STYLE="font-size: 10pt; margin: 0pt 283.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 283.35pt 0pt 5pt; font-size: 10pt">Systems &amp; Services Technologies, Inc.</P>

<P STYLE="margin: 0pt 283.35pt 0pt 5pt; font-size: 10pt">4315 Pickett Road</P>

<P STYLE="font-size: 10pt; margin: 0pt 328.35pt 0pt 5pt">Saint Joseph, Missouri 64503</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">Attention: Contracts</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"><U>If to the Owner Trustee</U>:</P>

<P STYLE="font-size: 10pt; margin: 0pt 328.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">BNY Mellon Trust of Delaware</P>

<P STYLE="margin: 0pt 328.35pt 0pt 5pt; font-size: 10pt">103 Bellevue Parkway</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Wilmington, Delaware 19809</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Attention: Corporate Trust Administration</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"><U>If to S&amp;P</U>:</P>

<P STYLE="font-size: 10pt; margin: 0pt 377.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 377.15pt 0pt 5pt; font-size: 10pt">S&amp;P Global Ratings</P>

<P STYLE="margin: 0pt 377.15pt 0pt 5pt; font-size: 10pt">55 Water Street</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">New York, New York 10041</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">Attention: Asset Backed Surveillance Department</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: right; margin: 0pt 15pt 0pt 0"></P>

<!-- Field: Page; Sequence: 50; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">I-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; text-indent: 69.1pt; margin: 0pt 0 0pt 1pt">Schedule I to Sale and Servicing Agreement</P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15pt 0pt 0; font-size: 10pt; text-align: right">EXHIBIT A</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">FORM OF ASSIGNMENT
PURSUANT TO SALE AND SERVICING AGREEMENT</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[__________], 2025</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">For value received, in accordance with the Sale and
Servicing Agreement (the &#8220;<U>Agreement</U>&#8221;), dated as of May 29, 2025, by and among ACM Auto Trust 2025-2, a Delaware
statutory trust (the &#8220;<U>Issuer</U>&#8221;), ACM Funding, LLC, a Delaware limited liability company (the
&#8220;<U>Seller</U>&#8221;), America&#8217;s Car Mart, Inc., an Arkansas corporation (&#8220;<U>America&#8217;s Car
Mart</U>&#8221;), Deutsche Bank National Trust Company, a national banking association, as indenture trustee, as paying agent and as
calculation agent, and Systems &amp; Services Technologies, Inc., as backup servicer, on the terms and subject to the conditions set
forth in the Agreement, the Seller does hereby irrevocably sell, transfer, assign, contribute and otherwise convey to the Issuer on
the Closing Date, without recourse (subject to the obligations in the Agreement) all right, title and interest of the Seller,
whether now owned or hereafter acquired, in, to and under the Receivables set forth on the schedule of Receivables delivered by the
Seller to the Issuer on the date hereof, the Collections after the Cut-Off Date, the Receivable Files and the Related Security
relating thereto, together with all of the Seller&#8217;s rights under the Purchase Agreement and all proceeds of the foregoing,
which sale shall be effective as of the Cut-Off Date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">The foregoing sale does not constitute
and is not intended to result in an assumption by the Issuer of any obligation of the Seller to the Obligors, the Originators, insurers
or any other Person in connection with the Receivables or the other assets and properties conveyed hereunder or any agreement, document
or instrument related thereto.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">This assignment is made pursuant to and
upon the representations, warranties and agreements on the part of the undersigned contained in the Agreement and is governed by the Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">Capitalized terms used herein and not otherwise
defined shall have the meaning assigned to them in the Agreement.</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.3pt 0pt 92.45pt">&nbsp;</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.45pt; font-size: 10pt; text-align: center">[Remainder of page intentionally left blank.]</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.45pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.45pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.45pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.45pt; font-size: 10pt; text-align: center">&nbsp;</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.45pt; font-size: 10pt; text-align: center">&nbsp;</P>

<!-- Field: Page; Sequence: 51 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; text-indent: 72.45pt; margin: 0pt 0 0pt 1pt"><FONT STYLE="font-size: 10pt">Exhibit A to Sale and Servicing Agreement</FONT></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 102.3pt 0pt 92.45pt; font-size: 10pt; text-align: center"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">IN WITNESS HEREOF, the undersigned has caused this assignment
to be duly executed as of the date first above written.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 239pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: left">ACM FUNDING, LLC</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 10%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">Name:</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">Title:</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>


<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 239pt; font-size: 10pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: right; margin: 0pt 15.05pt 0pt 0"></P>

<!-- Field: Page; Sequence: 52 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; text-indent: 72.45pt; margin: 0pt 0 0pt 1pt"><FONT STYLE="font-size: 10pt">Exhibit A to Sale and Servicing Agreement</FONT></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15.05pt 0pt 0; font-size: 10pt; text-align: right">EXHIBIT B</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PERFECTION REPRESENTATIONS, WARRANTIES AND COVENANTS</P>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">In addition to the representations, warranties and covenants
contained in this Agreement, the Seller hereby represents, warrants and covenants to the Issuer and the Indenture Trustee as follows on
the Closing Date:</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.3pt 0pt 92.4pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; text-align: center"><U>General</U></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.55pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This Agreement creates a valid and continuing security interest (as defined in the applicable UCC) in the Receivables and the other Transferred
Assets in favor of the Issuer, which security interest is prior to all other Liens, and is enforceable as such as against creditors of
and purchasers from the Seller.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Receivables constitute &#8220;tangible chattel paper,&#8221; &#8220;accounts,&#8221; &#8220;instruments&#8221; or &#8220;general intangibles,&#8221;
within the meaning of the UCC.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each Receivable is secured by a first priority validly perfected security interest in the related Financed Vehicle in favor of the Originator
(or its assignee), as secured party, or all necessary actions with respect to such Receivable have been taken or will be taken to perfect
a first priority security interest in the related Financed Vehicle in favor of the Originator (or its assignee), as secured party.</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.3pt 0pt 92.4pt">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; text-align: center"><U>Creation</U></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Immediately prior to the sale, transfer, assignment and conveyance of a Receivable by the Seller to the Issuer, the Seller owned and had
good and marketable title to such Receivable free and clear of any Lien created by Colonial (except any Lien which will be released prior
to assignment of such Receivable under this Agreement), and immediately after the sale, transfer, assignment and conveyance of such Receivable
to the Issuer, the Issuer will have good and marketable title to such Receivable free and clear of any Lien created by Colonial (other
than Permitted Liens).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 26.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 26.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Seller has received all consents and approvals to the sale of the Receivables hereunder to the Issuer required by the terms of the
Receivables that constitute instruments.</P>

<P STYLE="margin: 0pt 26.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; text-align: center"><U>Perfection</U></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Seller has caused or will have caused, within ten days after the effective date of this Agreement, the filing of all appropriate financing
statements in the proper filing office in the appropriate jurisdictions under applicable law in order to perfect the sale of the Receivables
from the Seller to the Issuer, and the security interest in the Receivables granted to the Issuer hereunder; and the Servicer, in its
capacity as custodian, has in its possession the original copies of such instruments or tangible chattel paper that constitute or evidence
the Receivables, and all financing statements referred to in this paragraph contain a statement that: &#8220;A purchase of or</P>

<P STYLE="margin: 0pt 20.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<!-- Field: Page; Sequence: 53; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">B-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; text-indent: 72.45pt; margin: 0pt 0 0pt 1pt"><FONT STYLE="font-size: 10pt">Exhibit B to Sale and Servicing Agreement</FONT></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 20.85pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 19.15pt 0pt 5pt">security interest in any collateral described in this financing statement will
violate the rights of the Secured Party/Purchaser&#8221;.</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.85pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
With respect to Receivables that constitute instruments or tangible
chattel paper, either:</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(i)</TD><TD STYLE="padding-right: 33pt">All original executed copies of each such instrument or tangible chattel paper have been delivered to
the Indenture Trustee, as pledgee of the Issuer; or</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(ii)</TD><TD STYLE="padding-right: 16.05pt">Such instruments or tangible chattel paper are in the possession of the Servicer and the Indenture
Trustee has received a written acknowledgment from the Servicer that the Servicer, in its capacity as custodian, is holding such instruments
or tangible chattel paper solely on behalf and for the benefit of the Indenture Trustee, as pledgee of the Issuer; or</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 77pt"></TD><TD STYLE="width: 36pt">(iii)</TD><TD STYLE="padding-right: 17.45pt">The Servicer received possession of such instruments or tangible chattel paper after the Indenture
Trustee received a written acknowledgment from the Servicer that the Servicer is acting solely as agent of the Indenture Trustee, not
in its individual capacity but solely as Indenture Trustee, as pledgee of the Issuer.</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.3pt 0pt 92.4pt"><U>Priority</U></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Neither the Seller nor Colonial has authorized the filing of, or is aware of any financing statements against either the Seller or Colonial
that include a description of collateral covering the Receivables other than any financing statement (i) relating to the conveyance of
the Receivables by Colonial to the Seller under the Purchase Agreement, (ii) relating to the conveyance of the Receivables by the Seller
to the Issuer under the Sale and Servicing Agreement, (iii) relating to the security interest granted by the Issuer to the Indenture Trustee
under the Indenture or (iv) that has been terminated.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 25.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 25.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Neither the Seller nor Colonial is aware of any material judgment, ERISA or tax lien filings against either the Seller or Colonial.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 29.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 29.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
None of the instruments or tangible chattel paper that constitute or evidence the Receivables has any marks or notations indicating that
they have been pledged, assigned or otherwise conveyed to any Person other than the Seller, the Issuer or the Indenture Trustee.</P>

<P STYLE="margin: 0pt 29.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 102.3pt 0pt 92.4pt; font-size: 10pt; text-align: center"><U>Survival of Perfection Representations</U></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 14.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding any other provision of this Agreement or any other Transaction Document, the perfection representations, warranties and
covenants contained in this <U>Exhibit B</U> shall be continuing, and remain in full force and effect until such time as all obligations
under the Transaction Documents and the Notes have been finally and fully paid and performed.</P>

<P STYLE="margin: 0pt 14.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 102.45pt 0pt 92.35pt"></P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">B-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; text-indent: 72.45pt; margin: 0pt 0 0pt 1pt"><FONT STYLE="font-size: 10pt">Exhibit B to Sale and Servicing Agreement</FONT></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 102.3pt 0pt 92.4pt; font-size: 10pt; text-align: center"><U>No Waiver</U></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Seller and the Servicer shall provide the Rating Agency with prompt written notice of any material breach of the perfection representations,
warranties and covenants contained in this <U>Exhibit B</U>, and shall not, without satisfying the Rating Agency Condition, waive a breach
of any of such perfection representations, warranties or covenants.</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.05pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: right; margin: 0pt 15.05pt 0pt 0"></P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">B-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right"><P STYLE="font-size: 10pt; text-indent: 72.45pt; margin: 0pt 0 0pt 1pt"><FONT STYLE="font-size: 10pt">Exhibit B to Sale and Servicing Agreement</FONT></P></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15.05pt 0pt 0; font-size: 10pt; text-align: right">EXHIBIT C</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 9.95pt 0pt 0"><B>Monthly Data File</B></P>

<P STYLE="margin: 0pt 9.95pt 0pt 0; font-size: 10pt; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Principal Collections</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Interest Collections, Recoveries, Fees</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Repurchase Prices</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Pool Balance</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Defaulted Receivables</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Repurchased Receivables</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Cram down losses and other principal adjustments</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Pool Factor</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 40.95pt"></TD><TD STYLE="width: 30.75pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-right: 25.6pt">Delinquencies (Current, 31-60 Days Delinquent, 61-90 Days Delinquent, over 90 Days Delinquent)</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 40.95pt"></TD><TD STYLE="width: 30.75pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-right: 31.65pt">Losses (Current Period Gross Charge-Off, Current Period Recoveries, Current Period Net Losses, Cumulative
Gross Charge-Off, Cumulative Recoveries, Cumulative Net Losses, Cumulative Gross Charge Offs Percentage, Cumulative Net Loss Percentage)</TD></TR></TABLE>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 41pt"></TD><TD STYLE="width: 30.7pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Current Period Deferrals and Extensions</TD></TR></TABLE>

<P STYLE="font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt; margin: 0pt 209.15pt 0pt 199.25pt">&nbsp;</P>

<P STYLE="margin: 0pt 209.15pt 0pt 199.25pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="margin: 0pt 209.15pt 0pt 199.25pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="margin: 0pt 209.15pt 0pt 199.25pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="margin: 0pt 209.15pt 0pt 199.25pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="margin: 0pt 209.15pt 0pt 199.25pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 209.15pt 0pt 199.25pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt">APPENDIX A</P>

<P STYLE="margin: 0pt 209.15pt 0pt 199.25pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt">&nbsp;</P>

<P STYLE="margin: 0pt 209.15pt 0pt 199.25pt; font-size: 10pt; font-weight: bold; text-align: center; text-indent: -0.1pt">DEFINITIONS</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">The following terms have the meanings set forth, or referred to, below:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Accrued Class A Note Interest</I>&#8221; means, with respect
to any Payment Date, the sum of the Class A Noteholders&#8217; Monthly Accrued Interest for such Payment Date and the Class A Noteholders&#8217;
Interest Carryover Shortfall for such Payment Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Accrued Class B Note Interest</I>&#8221; means, with
respect to any Payment Date, the sum of the Class B Noteholders&#8217; Monthly Accrued Interest for such Payment Date and the Class B
Noteholders&#8217; Interest Carryover Shortfall for such Payment Date.</P>

<P STYLE="font-size: 10pt; margin: 0pt 49.1pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Act</I>&#8221; has the meaning set forth in <U>Section 11.3(a)</U>
of the Indenture. &#8220;<I>Administration Agreement</I>&#8221; means the Administration Agreement, dated as of the Closing Date,
between the Administrator, the Issuer and the Indenture Trustee, as the same may be amended, restated, modified or supplemented from
time to time.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Administrator</I>&#8221; means America&#8217;s Car Mart
or any successor Administrator under the Administration Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Affiliate</I>&#8221; means, for any specified Person,
any other Person which, directly or indirectly, controls, is controlled by or is under common control with such specified Person, and
&#8220;affiliated&#8221; has a meaning correlative to the foregoing. For purposes of this definition, &#8220;control&#8221; means the
power, directly or indirectly, to cause the direction of the management and policies of a Person.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 23.6pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 23.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>America&#8217;s Car Mart</I>&#8221; means Americas
Car Mart, Inc., an Arkansas corporation, and its successor-in-interest.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Applicable Tax State</I>&#8221; means, as of any
date, each of the following: (a) the State in which the Issuer is located and (b) the States of Texas and Arkansas.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Authenticating Agent</I>&#8221; means any Person authorized
by the Indenture Trustee to act on behalf of the Indenture Trustee to authenticate and deliver the Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Authorized Newspaper</I>&#8221; means a newspaper
of general circulation in the City of New York, printed in the English language and customarily published on each Business Day, whether
or not published on Saturdays, Sundays and holidays.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Authorized Officer</I>&#8221; means (a) with respect
to the Issuer, (i) any officer of the Owner Trustee who is authorized to act for the Owner Trustee in matters relating to the Issuer (including
any agent of the Owner Trustee acting under a power of attorney) and who is identified on the list of Authorized Officers delivered by
the Owner Trustee to the Indenture Trustee on the Closing Date (as such list may be modified or supplemented from time to time thereafter),
or (ii) so long as the Administration Agreement is in effect, any officer of the Administrator who is authorized to act for the Administrator
in matters relating to the Issuer pursuant to the</P>

<P STYLE="margin: 0pt 15.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center"></TD><TD STYLE="width: 33%; text-align: right"><FONT STYLE="font-size: 10pt"><I>Definitions (ACMAT 2025-2)</I></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15.8pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">Administration Agreement and who is identified on the list of Authorized Officers
delivered by the Administrator to the Owner Trustee and the Indenture Trustee on the Closing Date (as such list may be modified or supplemented
from time to time thereafter), and (b) with respect to the Owner Trustee, the Indenture Trustee, the Administrator, the Servicer and the
Backup Servicer, any officer of the Owner Trustee, the Indenture Trustee, the Administrator, the Servicer or the Backup Servicer, as applicable,
who is authorized to act for the Owner Trustee, the Indenture Trustee, the Administrator, the Servicer or the Backup Servicer, as applicable,
in matters relating to the Transaction Documents and who is identified on the list of Authorized Officers delivered by each of the Owner
Trustee, the Indenture Trustee, the Administrator, the Servicer and the Backup Servicer, as applicable, to the Indenture Trustee on the
Closing Date (as such list may be modified or supplemented from time to time thereafter).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Available Funds</I>&#8221; means, for any Payment
Date and the related Collection Period, an amount equal to the sum of the following amounts: (i) all Collections received by the Servicer
during such Collection Period, (ii) the sum of the Repurchase Prices deposited into the Collection Account with respect to each Receivable
that will be a Repurchased Receivable on such Payment Date, (iii) the Reserve Account Excess Amount for such Payment Date and (iv) the
Optional Purchase Price deposited into the Collection Account in connection with the exercise of the Clean-Up Call.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Available Funds Shortfall Amount</I>&#8221; means,
as of any Payment Date, the amount, if any, by which the sum of the amounts required to be paid pursuant to clauses <I>first </I>through
<I>sixth </I>of <U>Section 4.4(a)</U> of the Sale and Servicing Agreement exceeds the Available Funds for such Payment Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Backup Servicer</I>&#8221; means Systems &amp; Services
Technologies, Inc., a Delaware corporation, in its capacity as the backup servicer under the Backup Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Backup Servicing Agreement</I>&#8221; means the Backup
Servicing Agreement, dated as of the Closing Date, among the Servicer, the Issuer, the Indenture Trustee and the Backup Servicer.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Backup Servicing Fee</I>&#8221; means, for any Payment
Date, prior to the Servicing Centralization Period, an amount equal to $3,000 and following the Servicing Centralization Period, an amount
equal to $4,500; <U>provided</U>, <U>however</U>, that if the Backup Servicer becomes the Successor Servicer, such fee shall no longer
be paid.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Bankruptcy Code</I>&#8221; means the United States Bankruptcy
Code, 11 U.S.C. 101 et seq., as amended.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Bankruptcy Event</I>&#8221; means, with respect to
any Person, (i) the filing of a decree or order for relief by a court having jurisdiction in the premises in respect of such Person in
an involuntary case under any applicable federal or state bankruptcy, insolvency or other similar law now or hereafter in effect, or appointing
a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official of such Person, or ordering the winding-up or liquidation
of such Person&#8217;s affairs, and such decree or order shall remain unstayed and in effect for a period of 90 consecutive days or (ii)
the commencement by such Person of a voluntary case under any applicable federal or state bankruptcy, insolvency or other similar law
now or hereafter in effect,</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt">or the consent by such Person to the entry of an order for relief in an involuntary
case under any such law, or the consent by such Person to the appointment or taking possession by a receiver, liquidator, assignee, custodian,
trustee, sequestrator or similar official of such Person, or the making by such Person of any general assignment for the benefit of creditors,
or the failure by such Person generally to pay its debts as such debts become due, or the taking of action by such Person in furtherance
of any of the foregoing.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Bankruptcy Remote Party</I>&#8221; means each of
the Seller, the Issuer, any other trust created by the Seller or any limited liability company or corporation wholly-owned by the Seller.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Benefit Plan Investor</I>&#8221; means (i) any &#8220;employee
benefit plan&#8221; as defined in Section 3(3) of ERISA, that is subject to Title I of ERISA, (ii) a &#8220;plan&#8221; as defined in
Section 4975 of the Code, that is subject to Section 4975 of the Code or (iii) any entity or account deemed to hold the &#8220;plan assets&#8221;
of any of the foregoing.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 24pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 24pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Book-Entry Notes</I>&#8221; means
a beneficial interest in the Notes, ownership and transfers of which shall be made through book entries by a Clearing Agency as described
in <U>Section 2.10</U> of the Indenture.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Business Day</I>&#8221; means any day other than
a Saturday, a Sunday or a day on which banking institutions in the States of Delaware, Arkansas, Texas or New York, or in the state in
which the Corporate Trust Office of the Indenture Trustee or the Owner Trustee is located, are authorized or obligated by law, executive
order or government decree to be closed; <I>provided</I> that, when used in the context of a Payment Date, Business Day means any day
other than (i) a Saturday or Sunday or (ii) a day on which the Federal Reserve Bank of New York is closed.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Calculation Agent</I>&#8221;
means Deutsche Bank National Trust Company, in its capacity as calculation agent under the Sale and Servicing Agreement and its successors
and permitted assigns in such capacity.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Certificate</I>&#8221; means a certificate substantially
in the form of <U>Exhibit A</U> to the Trust Agreement evidencing a beneficial ownership interest in the Issuer. For the avoidance of
doubt, the references in the Transaction Documents to a &#8220;Certificate&#8221; or a &#8220;Certificateholder,&#8221; unless the context
otherwise requires, shall be deemed to be references to &#8220;Certificates&#8221; or &#8220;Certificateholders&#8221; if more than one
Certificate has been issued.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Certificate of Title</I>&#8221; means, with respect
to any Financed Vehicle, the certificate of title or other documentary evidence of ownership of such Financed Vehicle as issued by the
department, agency or official of the jurisdiction (whether in paper or electronic form) in which such Financed Vehicle is titled and
which is responsible for accepting applications for, and maintaining records regarding, certificates of title and liens thereon.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Certificate Register</I>&#8221; has the meaning specified in <U>Section 3.4</U>
of the Trust Agreement. &#8220;<I>Certificate Registrar</I>&#8221; has the meaning specified in <U>Section 3.4</U> of the Trust Agreement.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Certificateholder</I>&#8221; means, as of any date, the Person in whose
name a Certificate is registered on the Certificate Register on such date.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&#8220;<I>Class</I>&#8221; means a group of Notes whose form
is identical except for variation in denomination, principal amount or owner, and references to &#8220;each Class&#8221; thus mean each
of the Class A Notes and the Class B Notes.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Class A Final Scheduled Payment Date</I>&#8221; means the Payment Date occurring
in June 2028.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Class A Interest Rate</I>&#8221; means 5.55% per annum (computed on the
basis of a 360-day year consisting of twelve 30-day months).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Class A Note Balance</I>&#8221; means, at any time,
the Initial Class A Note Balance reduced by all payments of principal made prior to such time on the Class A Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Class A Noteholder</I>&#8221; means the Person in
whose name a Class A Note is registered on the Note Register.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.65pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Class A Noteholders&#8217;
Interest Carryover Shortfall</I>&#8221; means, with respect to any Payment Date, the excess, if any, of (A) the sum of (i) the Class A
Noteholders&#8217; Monthly Accrued Interest for the preceding Payment Date and (ii) any Class A Noteholders&#8217; Interest Carryover
Shortfall on such preceding Payment Date, over (B) the amount in respect of interest that was actually paid to Noteholders of Class A
Notes on such preceding Payment Date, plus interest on the amount of interest due but not paid to Noteholders of Class A Notes on such
preceding Payment Date, to the extent permitted by law, at the Class A Interest Rate for the related Interest Period.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Class A Noteholders&#8217;
Monthly Accrued Interest</I>&#8221; means, with respect to any Payment Date, the aggregate interest accrued for the related Interest Period
on the Class A Notes at the Class A Interest Rate on the Class A Note Balance on the Closing Date, with respect to the first Payment Date,
and on the immediately preceding Payment Date, after giving effect to all payments of principal to the Class A Noteholders on or prior
to such preceding Payment Date, with respect to each subsequent Payment Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Class A Notes</I>&#8221; means the Class of Auto
Loan Asset Backed Notes designated as Class A Notes issued in accordance with the Indenture.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Class B Final Scheduled Payment Date</I>&#8221; means the Payment Date occurring
in February 2032.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Class B Interest Rate</I>&#8221; means 7.25% per annum (computed on the
basis of a 360-day year consisting of twelve 30-day months).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Class B Note Balance</I>&#8221; means, at any time,
the Initial Class B Note Balance reduced by all payments of principal made prior to such time on the Class B Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Class B Noteholder</I>&#8221; means the Person in
whose name a Class B Note is registered on the Note Register.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Class B Noteholders&#8217; Interest Carryover Shortfall</I>&#8221;
means, with respect to any Payment Date, the excess, if any, of (A) the sum of (i) the Class B Noteholders&#8217; Monthly Accrued Interest</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 14.7pt 0pt 5pt">for the preceding Payment Date and (ii) any Class B Noteholders&#8217;
Interest Carryover Shortfall on such preceding Payment Date, over (B) the amount in respect of interest that was actually paid to Noteholders
of Class B Notes on such preceding Payment Date, plus interest on the amount of interest due but not paid to Noteholders of Class B Notes
on such preceding Payment Date, to the extent permitted by law, at the Class B Interest Rate for the related Interest Period.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Class B Noteholders&#8217;
Monthly Accrued Interest</I>&#8221; means, with respect to any Payment Date, the aggregate interest accrued for the related Interest Period
on the Class B Notes at the Class B Interest Rate on the Class B Note Balance on the Closing Date, with respect to the first Payment Date,
and on the immediately preceding Payment Date, after giving effect to all payments of principal to the Class B Noteholders on or prior
to such preceding Payment Date, with respect to each subsequent Payment Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Class B Notes</I>&#8221; means the Class of Auto
Loan Asset Backed Notes designated as Class B Notes issued in accordance with the Indenture.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Clean-Up Call</I>&#8221; has the meaning set forth in
<U>Section 8.1</U> of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Clearing Agency</I>&#8221; means an organization registered
as a &#8220;clearing agency&#8221; pursuant to Section 17A of the Exchange Act and shall initially be DTC.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Clearing Agency Participant</I>&#8221; means a broker,
dealer, bank or other financial institution, or other Person for which from time to time a Clearing Agency effects book-entry transfers
and pledges of securities deposited with the Clearing Agency.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Closing Date</I>&#8221; means May 29, 2025.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Code</I>&#8221; means the Internal Revenue Code of
1986, as amended, modified or supplemented from time to time, and any successor law thereto, and the regulations promulgated and the rulings
issued thereunder.</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Collateral</I>&#8221; has the meaning set forth in the Granting
Clause of the Indenture.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Collection Account</I>&#8221; means the trust account established and maintained pursuant to <U>Section
4.1</U> of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Collection Period</I>&#8221; means the period commencing
on the first day of each calendar month and ending on the last day of such calendar month (or, in the case of the initial Collection Period,
the period commencing on the Cut-Off Date and ending on May 31, 2025). As used herein, the &#8220;related&#8221; Collection Period with
respect to any date of determination or a Payment Date shall be deemed to be the Collection Period which immediately precedes such date
of determination or Payment Date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Collections</I>&#8221; means,
to the extent received by the Servicer after the Cut-Off Date, the sum of (A) with respect to any Receivable, (i) any monthly payment
by or on behalf of the Obligor thereunder, (ii) any full or partial prepayment of such Receivable, and (iii) any other amounts received
by or paid by the Servicer which, in accordance with the Customary Servicing Practices,</P>

<P STYLE="margin: 0pt 14.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 14.8pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 14.8pt 0pt 5pt; font-size: 10pt; text-align: justify">would customarily be applied to the payment of accrued interest
or to reduce the Principal Balance of the Receivable, including rebates of premiums with respect to the cancellation or termination of
any Insurance Policy, extended warranty or service contract that was financed by such Receivable and (B) Net Liquidation Proceeds; <I>provided</I>,
<I>however</I>, that the term &#8220;Collections&#8221; in no event will include (1) for any Payment Date, any amounts in respect of any
Receivable the Repurchase Price of which has been included in the Available Funds on a prior Payment Date, (2) any Supplemental Servicing
Fees or (3) any Unrelated Amounts.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Colonial</I>&#8221; means Colonial Auto Finance,
Inc., an Arkansas corporation, or its successor- in-interest.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Commission</I>&#8221; means the U.S. Securities and Exchange Commission.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Contract</I>&#8221; means, with respect to any Receivable,
the motor vehicle retail installment sale contract and/or note and security agreement, any amendments thereto and any related documentary
draft, if applicable, evidencing such Receivable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Contract Rate</I>&#8221; means, with respect to a Receivable,
the rate per annum at which interest accrues under the Contract evidencing such Receivable. Such rate may be less or more than the &#8220;Annual
Percentage Rate&#8221; disclosed in the Receivable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Controlling Class</I>&#8221; means, with respect
to any Notes Outstanding, the Class A Notes as long as any Class A Notes are Outstanding, and, thereafter, the Class B Notes as long as
any Class B Notes are Outstanding.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Controlling Party</I>&#8221; means an executive officer
or senior manager or any other individual who regularly performs similar functions; including any individual who performs such function
indirectly through a Person that beneficially owns or controls the Issuer or an agent of the Issuer, as applicable.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Corporate Trust Office</I>&#8221; means:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.65pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.65pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
as used with respect to the Indenture Trustee, the principal office of the Indenture Trustee at which at any particular time its corporate
trust business shall be administered, which office at the date of the execution of the Indenture is located at (x) for purposes of transfer,
surrender and presentment of the Notes, Deutsche Bank National Trust Company, c/o DB Services Americas, Inc., 5022 Gate Parkway, Suite
200, Jacksonville, Florida 32256, Attention: Securities Transfer Unit, and (y) for all other purposes, Deutsche Bank National Trust Company,
Trust &amp; Agency Services, 1761 East St. Andrew Place, Santa Ana, California 92705, Attention: ABS Client Services &#8211; ACMAT252,
or at such other address as the Indenture Trustee may designate from time to time by notice to the Noteholders, the Administrator, the
Servicer, the Owner Trustee and the Issuer, or the principal corporate trust office of any successor Indenture Trustee (the address of
which the successor Indenture Trustee will notify the Noteholders, the Administrator, the Servicer, the Owner Trustee and the Issuer);</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.5pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
as used with respect to the Owner Trustee, the corporate trust office of the Owner Trustee located at 103 Bellevue Parkway, Wilmington,
Delaware 19809, Attention: Corporate Trust Administration, or at such other address as the Owner Trustee may designate by notice to</P>

<P STYLE="margin: 0pt 19.5pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 19.5pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 16.3pt 0pt 5pt">the Certificateholders and the Seller, or the principal corporate trust office
of any successor Owner Trustee (the address of which the successor Owner Trustee will notify the Certificateholders and the Seller); and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
as used with respect to the Certificate Registrar, the principal office of the Certificate Registrar at which at any particular time its
corporate trust business shall be administered, which office at date of the execution of the Trust Agreement is located at (x) for purposes
of transfer, surrender and presentment of the Notes, Deutsche Bank National Trust Company, c/o DB Services Americas, Inc., 5022 Gate Parkway,
Suite 200, Jacksonville, Florida 32256, Attention: Securities Transfer Unit, and (y) for all other purposes, Deutsche Bank National Trust
Company Americas, Trust &amp; Agency Services, 1761 East St. Andrew Place, Santa Ana, California 92705, Attention: ABS Client Services
&#8211; ACMAT252, or at such other address as the Certificate Registrar may designate from time to time by notice to the Certificateholders,
the Indenture Trustee, the Owner Trustee and the Issuer, or the principal corporate trust office of any successor Certificate Registrar
(the address of which the successor Certificate Registrar will notify the Certificateholders, the Indenture Trustee, the Owner Trustee
and the Issuer).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Cram Down Loss</I>&#8221; means, with respect to
any Receivable (other than a Defaulted Receivable) as to which any court in any bankruptcy, insolvency or other similar Proceeding issues
an order reducing the principal amount to be paid on such Receivable or otherwise modifies any payment terms with respect thereto, an
amount equal to the amount of the principal reduction ordered by such court. A &#8220;Cram Down Loss&#8221; will be deemed to have occurred
on the date of issuance of such court&#8217;s order.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Customary Servicing Practices</I>&#8221; means the
customary servicing practices of the Servicer, the Backup Servicer (as Successor Servicer) or any other Successor Servicer or any subservicer
with respect to all comparable motor vehicle receivables that the Servicer, the Successor Servicer or such subservicer, as applicable,
services for itself and others, as such customary servicing practices may be changed from time to time, it being understood that the Servicer,
the Successor Servicer and the subservicers may not have the same &#8220;<I>Customary Servicing Practices.</I>&#8221;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Cut-Off Date</I>&#8221; means the close of business on April 30, 2025.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Debt-For-Tax Opinion</I>&#8221;
means an Opinion of Counsel, of nationally recognized tax counsel, delivered to the Depositor and the Indenture Trustee stating that the
Notes specified therein will be debt for United States federal income tax purposes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Default</I>&#8221; means any occurrence that is,
or with notice or lapse of time or both would become, an Event of Default.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Defaulted Receivable</I>&#8221; means, with respect
to any Collection Period, a Receivable as to which (a) a related monthly payment became 120 days past due during such Collection Period
and the Servicer has not repossessed the related Financed Vehicle, (b) the Servicer has either repossessed and liquidated the related
Financed Vehicle or repossessed and held the related Financed Vehicle in its repossession inventory for 90 days, whichever occurs first,
or (c) the</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 53.7pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 53.7pt 0pt 5pt; font-size: 10pt; text-align: justify">Servicer has charged-off in full the related Principal Balance
or has determined that such Principal Balance should be charged-off in full on the servicing records of the Servicer in accordance with
its Customary Servicing Practices.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 32.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 32.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Deficiency Balance</I>&#8221; means, with respect
to any Receivable, any deficiency balance, charged-off amount, Principal Balance, accrued interest and/or fees and any Related Security;
provided, that such amounts and Related Security relate to a Receivable which is a Defaulted Receivable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Definitive Note</I>&#8221; means a definitive fully
registered Note issued pursuant to <U>Section 2.12</U> of the Indenture.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Delivery</I>&#8221; when used with respect to Trust Account Property means:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
with respect to (I) bankers&#8217; acceptances, commercial paper, and negotiable certificates of deposit and other obligations that constitute
&#8220;instruments&#8221; as defined in Section 9- 102(a)(47) of the UCC and are susceptible of physical delivery, transfer of actual
possession thereof to the Indenture Trustee or its nominee or custodian by physical delivery to the Indenture Trustee or its nominee or
custodian endorsed to the Indenture Trustee or its nominee or custodian or endorsed in blank, and (II) with respect to a &#8220;certificated
security&#8221; (as defined in Section 8- 102(a)(4) of the UCC) transfer of actual possession thereof (i) by physical delivery of such
certificated security to the Indenture Trustee or its nominee or custodian endorsed to, or registered in the name of, the Indenture Trustee
or its nominee or custodian or endorsed in blank, or to another person, other than a &#8220;securities intermediary&#8221; (as defined
in Section 8-102(a)(14) of the UCC), who acquires possession of the certificated security on behalf of the Indenture Trustee or its nominee
or custodian or, having previously acquired possession of the certificate, acknowledges that it holds for the Indenture Trustee or its
nominee or custodian or (ii) if such certificated security is in registered form, by delivery thereof to a &#8220;securities intermediary&#8221;,
endorsed to or registered in the name of the Indenture Trustee or its nominee or custodian, and the making by such &#8220;securities intermediary&#8221;
of entries on its books and records identifying such certificated securities as belonging to the Indenture Trustee or its nominee or custodian
and the sending by such &#8220;securities intermediary&#8221; of a confirmation of the purchase of such certificated security by the Indenture
Trustee or its nominee or custodian (all of the foregoing, &#8220;<U>Physical Property</U>&#8221;), and, in any event, any such Physical
Property in registered form shall be in the name of the Indenture Trustee or its nominee or custodian; and such additional or alternative
procedures as may hereafter become appropriate to effect the complete transfer of ownership of any such Trust Account Property to the
Indenture Trustee or its nominee or custodian, consistent with changes in applicable law or regulations or the interpretation thereof;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
with respect to any securities issued by the U.S. Treasury, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage
Association or the other government agencies, instrumentalities and establishments of the United States identified in Appendix A to Federal
Reserve Bank Operating Circular No. 7 as in effect from time to time that is a &#8220;book- entry security&#8221; (as such term is defined
in Federal Reserve Bank Operating Circular No. 7) held in a securities account and eligible for transfer through the Fedwire&reg; Securities
Service operated by the Federal Reserve System pursuant to Federal book-entry regulations, the following procedures, all in accordance
with applicable law, including applicable Federal regulations and</P>

<P STYLE="margin: 0pt 16.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.9pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15.9pt 0pt 5pt; font-size: 10pt">Articles 8 and 9 of the UCC: book-entry registration of such Trust Account Property
to an appropriate securities account maintained with a Federal Reserve Bank by a &#8220;participant&#8221; (as such term is defined in
Federal Reserve Bank Operating Circular No. 7) that is a &#8220;depository institution&#8221; (as defined in Section 19(b)(1)(A) of the
Federal Reserve Act) pursuant to applicable Federal regulations, and issuance by such depository institution of a deposit notice or other
written confirmation of such book-entry registration to the Indenture Trustee or its nominee or custodian of the purchase by the Indenture
Trustee or its nominee or custodian of such book- entry securities; the making by such depository institution of entries in its books
and records identifying such book entry security held through the Federal Reserve System pursuant to Federal book-entry regulations or
a security entitlement thereto as belonging to the Indenture Trustee or its nominee or custodian and indicating that such depository institution
holds such Trust Account Property solely as agent for the Indenture Trustee or its nominee or custodian; and such additional or alternative
procedures as may hereafter become appropriate to effect complete transfer of ownership of any such Trust Account Property to the Indenture
Trustee or its nominee or custodian, consistent with changes in applicable law or regulations or the interpretation thereof; and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
with respect to any item of Trust Account Property that is an &#8220;uncertificated security&#8221; (as defined in Section 8-102(a)(18)
of the UCC) and that is not governed by clause (b) above, (i) registration on the books and records of the issuer thereof in the name
of the Indenture Trustee or its nominee or custodian, or (ii) registration on the books and records of the issuer thereof in the name
of another person, other than a securities intermediary, who acknowledges that it holds such uncertificated security for the benefit of
the Indenture Trustee or its nominee or custodian.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Depositor</I>&#8221; means ACM Funding, LLC in its capacity
as Depositor under the Trust Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 18.55pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.55pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Depository Agreement</I>&#8221;
means the agreement, dated as of the Closing Date, executed by the Issuer in favor of DTC, as initial Clearing Agency, relating to the
Notes, as the same may be amended or supplemented from time to time.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 19pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Determination Date</I>&#8221;
means the fifth Business Day preceding the related Payment Date, beginning June 12, 2025.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Dollar</I>&#8221; and &#8220;<I>$</I>&#8221; mean lawful currency of the
United States.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 0.25in 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0.25in 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Domestic Corporation</I>&#8221;
means an entity that is treated as a corporation for United States federal income tax purposes and is a U.S. Tax Person.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>DTC</I>&#8221; means The Depository Trust Company and its successors.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Electronic Means</I>&#8221; means the following
communications methods: e-mail, facsimile transmission, secure electronic transmission containing applicable authorization codes, passwords
and/or authentication keys issued by the Owner Trustee, or another method or system specified by the Owner Trustee as available for use
in connection with its services under the Trust Agreement.</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.8pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Eligible Account</I>&#8221; means a segregated trust
account with the corporate trust department of a depository institution whose deposits are insured by the FDIC acting in its fiduciary
capacity organized under the laws of the United States or any one of the states thereof or the District of Columbia (or any domestic branch
of a foreign bank) having corporate trust powers and acting as trustee for funds deposited in such account so long as the issuer credit
rating of such depository institution shall have a credit rating from S&amp;P of at least &#8220;BBB&#8221; and from any other NRSRO (if
rated by another NRSRO) in one of its generic rating categories which signifies investment grade. Any such trust account may be maintained
with the Owner Trustee, the Indenture Trustee or any of their respective Affiliates if such accounts meet the requirements of the preceding
sentence.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Eligible Investments</I>&#8221; means any one or more of the following types
of investments:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 31.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 31.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
direct obligations of, and obligations fully guaranteed as to timely payment by, the United States;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
demand deposits, time deposits, interest bearing deposit accounts, or certificates of deposit of any depository institution
(including any Affiliate of the Seller, the Servicer, the Indenture Trustee, the Backup Servicer or the Owner Trustee) or trust
company incorporated under the laws of the United States or any state thereof or the District of Columbia (or any domestic branch of
a foreign bank) and subject to supervision and examination by Federal or state banking or depository institution authorities
(including depository receipts issued by any such institution or trust company as custodian with respect to any obligation referred
to in <U>clause (a)</U> above or a portion of such obligation for the benefit of the holders of such depository receipts), <I>provided
that</I>, at the time of the investment or contractual commitment to invest therein (which shall be deemed to be made again each
time funds are reinvested following each Payment Date), the commercial paper or other short-term senior unsecured debt obligations
(other than such obligations the rating of which is based on the credit of a Person other than such depository institution or trust
company) of such depository institution or trust company shall have a credit rating from S&amp;P of at least &#8220;A-1&#8221;;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
commercial paper (including commercial paper of any Affiliate of the Seller, the Servicer, the Indenture Trustee, the Backup Servicer
or the Owner Trustee) having, at the time of the investment or contractual commitment to invest therein, a credit rating from S&amp;P
of at least &#8220;A-1&#8221;;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 21.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 21.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
investments in money market funds (including funds for which the Seller, the Servicer, the Indenture Trustee or the Owner Trustee or any
of their respective Affiliates is investment manager or advisor) having a credit rating in the highest rating category from S&amp;P and
from any other NRSRO (if rated by another NRSRO) then rating such money market funds;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 51.2pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 51.2pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
bankers&#8217; acceptances issued by any depository institution or trust company referred to in <U>clause (b)</U> above;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.55pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
repurchase obligations with respect to any security that is a direct obligation of, or fully guaranteed by, the United States or any agency
or instrumentality thereof, the obligations of</P>

<P STYLE="margin: 0pt 15.55pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 16.3pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt">which are backed by the full faith and credit of the United States, in either case
entered into with a depository institution or trust company (acting as principal) referred to in <U>clause (b)</U> above; and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 31.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 31.7pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
any other investment as to which the Rating Agency Condition shall have been satisfied.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">Each of the Eligible Investments may be purchased from the Indenture Trustee
or through an Affiliate of the Indenture Trustee. Each Eligible Investment must mature or be liquidated on the Business Day immediately
preceding the next Payment Date.</P>

<P STYLE="font-size: 10pt; margin: 0pt 30.45pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 30.45pt 0pt 41pt; font-size: 10pt">&#8220;<I>ERISA</I>&#8221; means the Employee Retirement Income Security Act
of 1974, as amended.</P>

<P STYLE="margin: 0pt 30.45pt 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 30.45pt 0pt 41pt; font-size: 10pt">&#8220;<I>Event of Default</I>&#8221; has the meaning set forth in <U>Section 5.1</U> of the Indenture.</P>

<P STYLE="margin: 0pt 30.45pt 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 30.45pt 0pt 41pt; font-size: 10pt">&#8220;<I>Exchange
Act</I>&#8221; means the Securities Exchange Act of 1934, as amended.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>FATCA</I>&#8221; means Sections 1471 through 1474
of the Code, any regulations or official interpretations thereunder or official interpretations thereof, and any current or future agreements
entered into pursuant to Section 1471(b)(1) of the Code, any published intergovernmental agreement entered into in connection with the
implementation of such sections of the Code, and any applicable fiscal or regulatory legislation, rules or official practices adopted
pursuant to such published intergovernmental agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 51.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 51.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>FATCA Withholding</I>&#8221; means any withholding
or deduction required pursuant to FATCA.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Final Scheduled Payment Date</I>&#8221; means, with
respect to (i) the Class A Notes, the Class A Final Scheduled Payment Date and (ii) the Class B Notes, the Class B Final Scheduled Payment
Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Financed Vehicle</I>&#8221; means an automobile, light-duty
truck, SUV or van, together with all accessions thereto, securing an Obligor&#8217;s indebtedness under the applicable Receivable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>First Allocation of Principal</I>&#8221;
means, with respect to any Payment Date, an amount equal to the excess, if any, of (a) the Class A Note Balance as of such Payment
Date (before giving effect to any principal payments made on the Class A Notes on such Payment Date) <U>over</U> (b) the Pool
Balance as of the end of the related Collection Period; <U>provided</U>, <U>however</U>, that the First Allocation of Principal for
any Payment Date on and after the Final Scheduled Payment Date for the Class A Notes shall not be less than the amount that is
necessary to reduce the Note Balance of the Class A Notes to zero.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>GAAP</I>&#8221; means generally accepted accounting
principles in the USA applied on a materially consistent basis.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Governmental Authority</I>&#8221; means any (a)
Federal, state, municipal, foreign or other governmental entity, board, bureau, agency or instrumentality, (b) administrative or regulatory
authority (including any central bank or similar authority) or (c) court or judicial authority.</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Grant</I>&#8221; means mortgage, pledge, bargain,
sell, warrant, alienate, remise, release, convey, assign, transfer, create, grant a lien upon and a security interest in and right of
set-off against, deposit, set over and confirm pursuant to the Indenture. A Grant of the Collateral or of any other agreement or instrument
shall include all rights, powers and options (but none of the obligations) of the Granting party thereunder, including the immediate and
continuing right to claim for, collect, receive and give receipt for principal and interest payments in respect of the Collateral and
all other moneys payable thereunder, to give and receive notices and other communications, to make waivers or other agreements, to exercise
all rights and options, to bring Proceedings in the name of the Granting party or otherwise, and generally to do and receive anything
that the Granting party is or may be entitled to do or receive thereunder or with respect thereto. Other forms of the verb &#8220;to Grant&#8221;
shall have correlative meanings.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Hague Securities Convention</I>&#8221; means the
Hague Convention on the Law Applicable to Certain Rights in Respect of Securities held with an Intermediary (concluded July 5, 2006).</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Holder</I>&#8221; means, as the context may require, the Certificateholder
or a Noteholder or both.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Indenture</I>&#8221; means the Indenture, dated as of the Closing Date,
between the Issuer and the Indenture Trustee, as the same may be amended, restated, modified or supplemented from time to time.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Indenture Trustee</I>&#8221; means Deutsche Bank National
Trust Company, a national banking association, not in its individual capacity but as indenture trustee under the Indenture or any successor
trustee under the Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.7pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.7pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Independent</I>&#8221; means,
when used with respect to any specified Person, that such Person (i) is in fact independent of the Issuer, any other obligor upon the
Notes, the Administrator and any Affiliate of any of the foregoing Persons, (ii) does not have any direct financial interest or any material
indirect financial interest in the Issuer, any such other obligor upon the Notes, the Administrator or any Affiliate of any of the foregoing
Persons and (iii) is not connected with the Issuer, any such other obligor upon the Notes, the Administrator or any Affiliate of any of
the foregoing Persons as an officer, employee, promoter, underwriter, trustee, partner, director or Person performing similar functions.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Initial Certificate Transfer Opinion</I>&#8221; means
an opinion rendered by nationally recognized tax counsel (i) upon the initial transfer by the Depositor of a Certificate that results
in the Issuer being treated as a partnership for United States federal income tax purposes and (ii) while any Note retained by the Issuer
or a Person that is considered the same Person as the Issuer for United States federal income tax purposes is outstanding that (x) such
Note will be debt for United States federal income tax purposes or (y) the transfer by the Depositor of such Certificate will not cause
the Issuer to be treated as an association or publicly traded partnership taxable as a corporation.</P>

<P STYLE="font-size: 10pt; margin: 0pt 187.9pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 187.9pt 0pt 41pt; font-size: 10pt">&#8220;<I>Initial Class A Note Balance</I>&#8221; means $165,180,000.</P>

<P STYLE="margin: 0pt 187.9pt 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 187.9pt 0pt 41pt; font-size: 10pt">&#8220;<I>Initial
Class B Note Balance</I>&#8221; means $50,820,000.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"></P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Initial Purchasers</I>&#8221; means BMO Capital Markets Corp. and MUFG Securities
Americas Inc.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Initial Reserve Account Deposit Amount</I>&#8221; means an amount
equal to $9,075,710.99.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Initial Servicer</I>&#8221; means America&#8217;s Car Mart, Inc., an Arkansas corporation, the
initial servicer under the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Insurance Policy</I>&#8221; means (i) any theft and
physical damage insurance policy maintained by or on behalf of the Obligor under a Receivable providing coverage against loss or damage
to or theft of the related Financed Vehicle and (ii) any credit life or credit disability insurance maintained by an Obligor in connection
with any Receivable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Interest Period</I>&#8221; means, with respect to
any Payment Date, from and including the 20<SUP>th</SUP> day of the calendar month preceding such Payment Date (or from and including
the Closing Date in the case of the first Payment Date) to but excluding the 20<SUP>th</SUP> day of the month in which such Payment Date
occurs.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Interest Rate</I>&#8221; means, (a) with respect to the Class A Notes, the
Class A Interest Rate, or (b) with respect to the Class B Notes, the Class B Interest Rate.</P>

<P STYLE="font-size: 10pt; margin: 0pt 19.15pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Investment Company Act</I>&#8221; means the Investment Company
Act of 1940, as amended.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Investor Report</I>&#8221; has the meaning set forth in <U>Section 4.6</U> of the Sale and
Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 51.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Investor Reporting Date</I>&#8221; means the second
Business Day preceding the related Payment Date, beginning June 17, 2025.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Issuer</I>&#8221; means ACM Auto Trust 2025-2, a
Delaware statutory trust established pursuant to the Trust Agreement, until a successor replaces it and, thereafter, means the successor
and, for purposes of any provision contained in the Transaction Documents, each other obligor on the Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Issuer Order</I>&#8221; and &#8220;<I>Issuer Request</I>&#8221;
means a written order or request of the Issuer signed in the name of the Issuer by any one of its Authorized Officers and delivered to
the Indenture Trustee.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 32.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 32.05pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Lien</I>&#8221; means, for
any asset or property of a Person, a lien, security interest, mortgage, pledge or encumbrance in, of or on such asset or property in favor
of any other Person, except any Permitted Lien.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Liquidation Expenses</I>&#8221;
means, with respect to any Defaulted Receivable and any Receivable for which the related Financed Vehicle has been repossessed, any expenses
(including, without limitation, any auction, painting, repair or refurbishment expenses in respect of the related Financed Vehicle) incurred
by the Servicer in connection with the collection of such Receivable or the repossession or liquidation of the related Financed Vehicle.</P>

<P STYLE="margin: 0pt 14.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.75pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 14.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Liquidation Proceeds</I>&#8221;
means, with respect to any Defaulted Receivable, (a) insurance proceeds received by the Servicer, (b) amounts received by the Servicer
in connection with such Receivable pursuant to the exercise of rights under that Receivable and (c) the monies collected by the Servicer
(from whatever source, including proceeds of a sale of a Financed Vehicle, a Deficiency Balance recovered from the Obligor after the charge-off
of such Receivable or as a result of any recourse against an unrelated third-party, if any) on such Receivable other than any monthly
payments by or on behalf of the Obligor thereunder or any full or partial prepayment of such Receivable, in the case of each of the foregoing
clauses (a) through (c), net of any outstanding related Liquidation Expenses and any payments required by law to be remitted to the related
Obligor; <I>provided</I>, <I>however</I>, that the Repurchase Price for any Receivable shall not constitute &#8220;Liquidation Proceeds&#8221;.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Majority Certificateholders</I>&#8221; means Certificateholders
holding in the aggregate more than 50% of the Percentage Interests.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Monthly Data File</I>&#8221; means the monthly data
file delivered pursuant to <U>Section 3.8</U> of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Net Liquidation Proceeds</I>&#8221; means, for any
Collection Period, the sum of all Liquidation Proceeds received during such Collection Period less all Liquidation Expenses incurred during
such Collection Period.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Note</I>&#8221; means a Class A Note or Class B
Note, in each case substantially in the forms of <U>Exhibit A</U> to the Indenture.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Note Balance</I>&#8221; means, with respect to any
date of determination, for any Class, the Class A Note Balance or the Class B Note Balance, as applicable, or, with respect to the Notes
generally, the sum of all of the foregoing.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Note Factor</I>&#8221; means, for any Payment Date
and each Class of Notes, a six-digit decimal figure equal to the Note Balance of such Class of Notes as of the end of the related Collection
Period <U>divided by</U> the Note Balance of such Class of Notes as of the Closing Date. The Note Factor will be 1.000000 as of the Closing
Date; thereafter, the Note Factor will decline to reflect reductions in the Note Balance of such Class of Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 17.25pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Note Owner</I>&#8221; means, with respect to a Book-Entry
Note, the Person who is the beneficial owner of such Book-Entry Note, as reflected on the books of the Clearing Agency or a Person maintaining
an account with such Clearing Agency (directly as a Clearing Agency Participant or as an indirect participant, in each case in accordance
with the rules of such Clearing Agency).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Note Purchase Agreement</I>&#8221; means the Note
Purchase Agreement, dated as of May 20, 2025 between the Initial Purchasers, the Sponsor, Colonial and the Depositor.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 51.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 51.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Note Register</I>&#8221; and &#8220;<I>Note Registrar</I>&#8221;
have the respective meanings set forth in <U>Section 2.4</U> of the Indenture.</P>

<P STYLE="margin: 0pt 51.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 51.35pt 0pt 5pt; font-size: 10pt"></P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&#8220;<I>Noteholder</I>&#8221; means, as of any date, the Person
in whose name a Note is registered on the Note Register on such date.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Notes</I>&#8221; means, collectively, the Class A Notes and the Class B Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>NRSRO</I>&#8221; means the Rating Agency, or any other
nationally recognized statistical rating organization.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Obligor</I>&#8221; means, for any Receivable, each Person obligated to
pay such Receivable.</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Offering Memorandum</I>&#8221; means the final offering memorandum dated May 20, 2025 relating to the
Notes.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Officer&#8217;s Certificate</I>&#8221; means (i)
with respect to the Issuer, a certificate signed by any Authorized Officer of the Administrator on behalf of the Issuer, and (ii) with
respect to the Seller, the Administrator or the Servicer, a certificate signed by the chairman of the board, the president, any executive
vice president, any vice president, the treasurer, any assistant treasurer or the controller of the Seller, the Administrator or the Servicer,
as applicable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Opinion of Counsel</I>&#8221; means one or more written
opinions of counsel who may, except as otherwise expressly provided in the Indenture or any other applicable Transaction Document, be
employees of or counsel to the Issuer, the Servicer, the Seller or the Administrator, and which opinion or opinions comply with any applicable
requirements of the Transaction Documents and are in form and substance reasonably satisfactory to the recipient(s). Opinions of Counsel
need address matters of law only and may be based upon stated assumptions as to relevant matters of fact.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Optional Purchase Price</I>&#8221; means, on any
Payment Date, the greater of (a) the aggregate Outstanding Note Balance plus accrued and unpaid interest thereon at the applicable Interest
Rate up to but excluding that Payment Date (after giving effect to all distributions pursuant to <U>Section 4.4(a)</U> of the Sale and
Servicing Agreement on such Payment Date) and (b) the Pool Balance.</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Originators</I>&#8221; means, collectively, America&#8217;s Car
Mart, Inc. and Texas Car-Mart, Inc.</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Other Assets</I>&#8221; means any assets (or interests therein) conveyed or purported
to be conveyed by the Seller to another Person or Persons other than the Issuer, whether by way of a sale, capital contribution or
by virtue of the granting of a lien.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Outstandin</I>g&#8221; means, as of any date, all Notes
(or all Notes of an applicable Class) theretofore authenticated and delivered under the Indenture except:</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 59.35pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 59.35pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notes (or Notes of an applicable Class) theretofore cancelled by the Note Registrar or delivered to the Note Registrar for cancellation;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 17.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.05pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notes (or Notes of an applicable Class) or portions thereof the payment for which money in the necessary amount has been theretofore deposited
with the Indenture Trustee or any Paying Agent in trust for the related Noteholders (<U>provided</U>, <U>however</U>, that if such Notes
are to be</P>

<P STYLE="margin: 0pt 17.05pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 19.15pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt">redeemed, notice of such redemption has been duly given pursuant to the Indenture
or provision therefor, satisfactory to the Indenture Trustee, has been made); and</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 25.6pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 25.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notes (or Notes of an applicable Class) in exchange for or in lieu of other Notes (or Notes of such Class) that have been authenticated
and delivered pursuant to the Indenture unless proof satisfactory to the Indenture Trustee is presented that any such Notes are held by
a bona fide purchaser;</P>

<P STYLE="font-size: 10pt; margin: 0pt 17.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 17.75pt 0pt 5pt; font-size: 10pt"><U>provided</U> that in determining whether Noteholders holding the
requisite Note Balance have given any request, demand, authorization, direction, notice, consent, vote or waiver hereunder or under
any Transaction Document, Notes owned by the Issuer, the Seller, any Certificateholder, the Servicer, the Administrator or any of
their respective Affiliates shall be disregarded and deemed not to be Outstanding unless all of the Notes are then owned by the
Issuer, the Seller, any Certificateholder, the Servicer, the Administrator or any of their respective Affiliates, except that, in
determining whether the Indenture Trustee shall be protected in relying upon any such request, demand, authorization, direction,
notice, consent, vote or waiver, only Notes that a Responsible Officer of the Indenture Trustee knows to be so owned shall be so
disregarded. Notes so owned that have been pledged in good faith may be regarded as Outstanding if the pledgee thereof establishes
to the satisfaction of the Indenture Trustee such pledgee&#8217;s right so to act with respect to such Notes and that such pledgee
is not the Issuer, the Seller, any Certificateholder, the Servicer, the Administrator or any of their respective Affiliates.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Owner Trustee</I>&#8221; means BNY Mellon Trust of
Delaware, a Delaware banking corporation, not in its individual capacity but solely as owner trustee under the Trust Agreement, and any
successor Owner Trustee thereunder.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 15.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Paying Agent</I>&#8221; means
the Indenture Trustee or any other Person that meets the eligibility standards for the Indenture Trustee set forth in <U>Section 6.11</U>
of the Indenture and is authorized by the Issuer to make the payments of principal of or interest on the Notes on behalf of the Issuer.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Payment Date</I>&#8221; means the 20<SUP>th</SUP>
day of each calendar month; <U>provided</U>, <U>however</U>, whenever a Payment Date would otherwise be a day that is not a Business Day,
the Payment Date shall be the next Business Day. The initial Payment Date will be June 20, 2025. As used herein, the &#8220;related&#8221;
Payment Date with respect to a Collection Period shall be deemed to be the Payment Date which immediately follows such Collection Period.</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Payment Default</I>&#8221; has the meaning set forth in <U>Section
5.4(a)</U> of the Indenture.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Percentage Interest</I>&#8221; means, with respect to a Certificate, the individual
percentage interest of such Certificate, which shall be specified on the face thereof and which shall represent the percentage of
certain distributions of the Issuer beneficially owned by such Certificateholder. The sum of the Percentage Interests for all of the
Certificates shall be 100%.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Permitted Liens</I>&#8221; means (a) any liens created
by the Transaction Documents, (b) any liens for taxes not yet due and payable or the amount of which is being contested in good faith
by appropriate Proceedings, (c) any liens of mechanics, suppliers, vendors, materialmen, laborers, employees, repairmen and other like
liens securing obligations which are not due and payable or</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt">the amount or validity of which is being contested in good faith by appropriate Proceedings
and (d) any liens created by the Obligor that are subordinate to the lien created by the Receivable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Person</I>&#8221; means any individual, corporation,
limited liability company, estate, partnership, joint venture, association, joint stock company, trust (including any beneficiary thereof),
unincorporated organization or government or any agency or political subdivision thereof.</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Physical Property</I>&#8221; has the meaning specified in the
definition of &#8220;<I>Delivery</I>&#8221; above.</P>

<P STYLE="margin: 0pt 14.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 14.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Plan</I>&#8221; means an &#8220;employee benefit plan&#8221; as defined
in Section 3(3) of ERISA whether or not subject to Title I of ERISA, a &#8220;plan&#8221; as defined in Section 4975 of the Code, or
an entity or account deemed to hold plan assets of any of the foregoing.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Pool Balance</I>&#8221; means, at any time, the aggregate
outstanding Principal Balance of the Receivables (other than Defaulted Receivables) at such time.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Pool Factor</I>&#8221; means,
for any Payment Date, a six-digit decimal equal to the Pool Balance as of the end of the related Collection Period <U>divided by</U> the
aggregate Principal Balance of the Receivables as of the Cut-Off Date. The Pool Factor will be 1.000000 as of the Closing Date; thereafter,
the Pool Factor will decline to reflect reductions in the Pool Balance.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Predecessor Note</I>&#8221; means, with respect to
any particular Note, every previous Note evidencing all or a portion of the same debt as that evidenced by such particular Note; <U>provided</U>, <U>however</U>,
for the purpose of this definition, any Note authenticated and delivered under <U>Section 2.5</U> of the Indenture in lieu of a
mutilated, destroyed, lost or stolen Note shall be deemed to evidence the same debt as the mutilated, destroyed, lost or stolen
Note.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 19.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Principal Balance</I>&#8221;
means, as of any time, for any Receivable, the outstanding principal balance of such Receivable determined in accordance with the Customary
Servicing Practices.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Proceeding</I>&#8221; means any suit in equity, action
at law or other judicial or administrative proceeding.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Purchase Agreement</I>&#8221; means the Purchase
Agreement, dated as of the Closing Date, between Colonial, as seller, and the Seller, as buyer, as amended, restated, modified or supplemented
from time to time.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Purchased Assets</I>&#8221; has the meaning set forth in <U>Section 2.1</U>
of the Purchase Agreement.</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Qualified Institutional Buyer</I>&#8221; has the meaning specified in Rule 144A.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Rating Agency</I>&#8221; means S&amp;P.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Rating Agency Condition&#8221; </I>means, with respect
to any event or circumstance and the Rating Agency, either (a) written confirmation (which may be in the form of a letter, a press release
or other publication, or a change in the Rating Agency&#8217;s published ratings criteria to this effect) by the Rating Agency that the
occurrence of that event or circumstance will not cause the</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt">Rating Agency to downgrade, qualify or withdraw its rating assigned to any of the
Notes or (b) that the Rating Agency will have been given notice of that event or circumstance at least ten days prior to the occurrence
of that event or circumstance (or, if ten days&#8217; advance notice is impracticable, as much advance notice as is practicable and is
acceptable to the Rating Agency).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Receivable</I>&#8221; means any Contract with respect
to a used automobile, light-duty truck, SUV or van which shall appear on the Schedule of Receivables and all Related Security in connection
therewith which has not been released from the lien of the Indenture.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Receivable File</I>&#8221; has the meaning set forth in
<U>Section 2.2(a)</U> of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Record Date</I>&#8221; means,
unless otherwise specified in any Transaction Document, with respect to any Payment Date or Redemption Date, (i) for any Definitive Notes
and for the Certificates, the close of business on the last Business Day of the calendar month immediately preceding the calendar month
in which such Payment Date or Redemption Date occurs and (ii) for any Book-Entry Notes, the close of business on the Business Day immediately
preceding such Payment Date or Redemption Date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Records</I>&#8221; means, for
any Receivable, all contracts, books, records and other documents or information (including computer programs, tapes, disks, software
and related property and rights, to the extent legally transferable) relating to such Receivable or the related Obligor.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 30.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 30.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Redemption Date</I>&#8221; means, in the case of
a redemption of the Notes pursuant to <U>Section 10.1</U> of the Indenture, the Payment Date specified by the Administrator or the Issuer
pursuant to <U>Section 10.1</U> of the Indenture.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.9pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.9pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Redemption Price</I>&#8221;
means an amount equal to the sum of (a) the unpaid Note Balance of all Notes redeemed plus (b) accrued and unpaid interest thereon at
the applicable Interest Rate for the Notes being so redeemed, up to but excluding the Redemption Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Registered Holder</I>&#8221; means the Person in whose
name a Note is registered on the Note Register on the related Record Date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Regular Allocation of Principal</I>&#8221;
means, with respect to any Payment Date, an amount not less than zero equal to (1) the excess, if any, of (a) the Note Balance of the
Notes as of such Payment Date (before giving effect to any principal payments made on the Notes on such Payment Date) <U>over</U> (b)
(i) the Pool Balance as of the end of the related Collection Period less (ii) the Targeted Overcollateralization Amount <U>minus</U> (2)
the sum of the First Allocation of Principal and the Second Allocation of Principal for such Payment Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Related Security</I>&#8221; means, for any Receivable,
(i) the security interest in the related Financed Vehicle, (ii) any rights to any proceeds from claims on any related Insurance Policy
or refunds in connection with extended service agreements relating to such Receivable (if such Receivable became a Defaulted Receivable
after the Cut-Off Date), (iii) any other property securing such Receivable and (iv) all proceeds of the foregoing.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt"></P>

<!-- Field: Page; Sequence: 74; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Repurchase Price</I>&#8221; means, with respect to
any Repurchased Receivable, a price equal to the outstanding Principal Balance of such Receivable <U>plus</U> any unpaid accrued interest
related to such Receivable accrued to and including the end of the Collection Period preceding the date that such Repurchased Receivable
was purchased by Colonial or the Servicer, as applicable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Repurchased Receivable</I>&#8221; means a Receivable
purchased by Colonial pursuant to <U>Section 3.4</U> of the Purchase Agreement or purchased by the Servicer pursuant to <U>Section 3.6</U>
of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Reserve Account</I>&#8221; means the account designated
as such, established and maintained pursuant to <U>Section 4.1</U> of the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.75pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.75pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Reserve Account Draw Amount</I>&#8221;
means, for any Payment Date, an amount equal to the lesser of (a) the Available Funds Shortfall Amount, if any, for such Payment Date
and (b) the amount of cash or other immediately available funds on deposit in the Reserve Account (excluding any net investment earnings)
on such Payment Date; <U>provided</U>, <U>however</U>, that if such Payment Date is the Redemption Date, the &#8220;Reserve Account Draw
Amount&#8221; shall mean an amount equal to the amount of cash or other immediately available funds on deposit in the Reserve Account
on the Redemption Date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Reserve Account Excess Amount</I>&#8221;
means, with respect to any Payment Date, an amount equal to the excess, if any, of (a) the amount of cash or other immediately available
funds in the Reserve Account (excluding any net investment earnings) on that Payment Date, after giving effect to all deposits to and
withdrawals from the Reserve Account on such Payment Date, over (b) the Specified Reserve Account Balance with respect to such Payment
Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.25pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Responsible Officer</I>&#8221; means, (a) with respect
to the Indenture Trustee, the Paying Agent, or the Calculation Agent, any officer within the corporate trust department of such Person,
including any director, vice president, assistant vice president, associate, trust officer or any other officer of such Person who customarily
performs functions similar to those performed by the persons who at the time shall be such officers, respectively, or to whom any corporate
trust matter is referred because of such person&#8217;s knowledge of and familiarity with the particular subject and who shall have direct
responsibility for the administration of the Indenture, (b) with respect to the Owner Trustee or any officer within the Corporate Trust
Office of the Owner Trustee including any vice president, assistant vice president, assistant treasurer, assistant secretary or any other
officer customarily performing functions similar to those performed by any of the above designated officers and having direct responsibility
for the administration of the Issuer, and also, with respect to a particular matter, any other officer to whom such matter is referred
because of such officer&#8217;s knowledge of and familiarity with the particular subject and (c) with respect to the Servicer, the Backup
Servicer, the Administrator or the Seller, any officer of such Person having direct responsibility for the transactions contemplated by
the Transaction Documents, including the president, treasurer or secretary, or any vice president, assistant vice president, assistant
treasurer, assistant secretary or any other officer customarily performing functions similar to those performed by any of the above designated
officers and also, with respect to a particular matter, any other officer to whom such matter is referred because of such officer&#8217;s
knowledge of and familiarity with the particular subject.</P>

<P STYLE="margin: 0pt 15.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 19.15pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Restricted Notes</I>&#8221; means any Note for which
no Debt-For-Tax Opinion has been rendered on or after the later of (i) the Closing Date and (ii) the most recent date on which such Note
was beneficially owned by the Issuer or the single beneficial owner of the Issuer for United States federal income tax purposes.</P>

<P STYLE="font-size: 10pt; margin: 0pt 15.4pt 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Rule 144A</I>&#8221; means Rule 144A under the Securities Act and
any successor rule thereto.</P>

<P STYLE="margin: 0pt 15.4pt 0pt 41pt; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Rule 144A Information</I>&#8221; means the information specified pursuant to Rule 144A(d)(4)
of the Securities Act (or any successor provision thereto).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 19.15pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>S&amp;P</I>&#8221; means S&amp;P Global Ratings,
or any successor that is a nationally recognized statistical rating organization.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Sale and Servicing Agreement</I>&#8221; means the Sale
and Servicing Agreement, dated as of the Closing Date, between the Issuer, the Seller, the Servicer, the Indenture Trustee, the Backup
Servicer, the Calculation Agent and the Paying Agent, as the same may be amended, restated, modified or supplemented from time to time.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Schedule of Receivables</I>&#8221; means the electronic
data file of the Receivables transferred to the Issuer on the Closing Date on file with the Servicer.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.1pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.1pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Second Allocation of Principal</I>&#8221; means,
with respect to any Payment Date, an amount equal to (1) the excess, if any, of (a) the sum of the Class A Note Balance and the Class
B Note Balance as of such Payment Date (before giving effect to any principal payments made on the Class A Notes and the Class B Notes
on such Payment Date) <U>over</U> (b) the Pool Balance as of the end of the related Collection Period <U>minus</U> (2) the First Allocation
of Principal for such Payment Date; <I>provided</I>, <I>however</I>, that the Second Allocation of Principal on and after the Final Scheduled
Payment Date for the Class B Notes shall not be less than the amount that is necessary to reduce the Note Balance of the Class B Notes
to zero (after the application of the First Allocation of Principal).</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Section 385 Controlled Partnership</I>&#8221; has the
meaning set forth in Treasury Regulation Section 1.385-1(c)(1) for a &#8220;controlled partnership&#8221;.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.25pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.25pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Section 385 Expanded Group</I>&#8221; has the meaning
set forth in Treasury Regulation Section 1.385-1(c)(4) for an &#8220;expanded group.&#8221;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Securities Act</I>&#8221; means the Securities Act of 1933, as amended.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Seller</I>&#8221; means ACM Funding, LLC, a Delaware
limited liability company, in its capacity as Seller under the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Servicer</I>&#8221; means, initially, America&#8217;s
Car Mart, and any replacement Servicer appointed pursuant to the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Servicer Replacement Event</I>&#8221; means any one or
more of the following that shall have occurred and be continuing:</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0.45in 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0.45in 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
any failure by the Servicer to deliver or cause to be delivered any required payment to the Indenture Trustee for distribution to the
Noteholders, which failure continues unremedied for five (5) Business Days after discovery thereof by a Responsible Officer of the Servicer
or receipt by the Servicer of written notice thereof from the Indenture Trustee or Noteholders evidencing at least 25% of the Note Balance,
voting together as a single Class;</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
any failure by the Servicer to duly observe or perform in any respect any other of its covenants or agreements in the Sale and
Servicing Agreement, which failure materially and adversely affects the rights of the Issuer or the Noteholders and which continues
unremedied for 90 days after discovery thereof by a Responsible Officer of the Servicer or receipt by the Servicer of written notice
thereof from the Indenture Trustee or Noteholders evidencing at least a majority of the aggregate Note Balance of all Outstanding
Notes; <I>provided</I>, <I>however</I>, that no Servicer Replacement Event will result from the breach by the Servicer of any
covenant for which the purchase of the affected Receivable is specified as the sole remedy pursuant to <U>Section 3.6</U> of the
Sale and Servicing Agreement; or</P>

<P STYLE="margin: 0pt 16.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 16.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Servicer suffers a Bankruptcy Event;</P>

<P STYLE="margin: 0pt 16.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>



<P STYLE="font-size: 10pt; margin: 0pt 16.75pt 0pt 5pt"><U>provided</U>, <U>however</U>, that (A) if any delay or failure of performance
referred to in <U>clause (a)</U> above shall have been caused by force majeure or other similar occurrence, the five Business Day grace
period referred to in such <U>clause (a)</U> shall be extended by an additional 60 calendar days and (B) if any delay or failure of performance
referred to in <U>clause (b)</U> above shall have been caused by force majeure or other similar occurrence, the 90 day grace period referred
to in such <U>clause (b)</U> shall be extended for an additional 60 calendar days.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Servicing Centralization Expenses</I>&#8221; has
the meaning set forth in <U>Section 1.1</U> of the Backup Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Servicing Centralization Period</I>&#8221; has the meaning
set forth in <U>Section 1.1</U> of the Backup Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 18.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 18.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Servicing Fee</I>&#8221; means, for any Payment Date,
the product of (A) one-twelfth, (B) the Servicing Fee Rate and (C) the Pool Balance as of the first day of the related Collection Period
(or, in the case of the first Payment Date, as of the Cut-Off Date); <I>provided</I>, that in the case of the Successor Servicer, in no
event will the Servicing Fee payable on any Payment Date be less than $5,000.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Servicing Fee Rate</I>&#8221; means 4.00% per annum.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Servicing Transition Costs</I>&#8221; has the meaning
set forth in <U>Section 1.1</U> of the Backup Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Servicing Transition Period</I>&#8221; has the meaning
set forth in <U>Section 1.1</U> of the Backup Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.3pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Similar Law</I>&#8221; means any applicable law that
is substantially similar to Title I of ERISA or Section 4975 of the Code.</P>

<P STYLE="margin: 0pt 16.3pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.8pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 14.8pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Simple Interest Method</I>&#8221;
means the method of calculating interest due on a motor vehicle receivable on a daily basis based on the actual outstanding principal
balance of the receivable on that date.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 25.05pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 25.05pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Simple Interest Receivable</I>&#8221;
means any motor vehicle receivable pursuant to which the payments due from the Obligors during any month are allocated between interest,
principal and other charges based on the actual date on which a payment is received and for which interest is calculated using the Simple
Interest Method.</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 14.85pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 14.85pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Specified Reserve Account Balance</I>&#8221;
means, for any Payment Date, an amount equal to 2.50% of the Pool Balance as of the Cut-Off Date; <U>provided</U>, <U>however</U>, on
any Payment Date after the Notes are no longer Outstanding following payment in full of the principal of and interest on the Notes, the
&#8220;Specified Reserve Account Balance&#8221; shall be $0.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Sponsor</I>&#8221; means America&#8217;s Car Mart, Inc., an Arkansas corporation.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Statutory Trust Statute</I>&#8221; means Chapter 38 of Title 12 of the Delaware
Code, 12 Del. Code &sect; 3801 et seq.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Successor Servicer</I>&#8221; means, initially,
the successor to America&#8217;s Car Mart under the terms of the Transaction Documents, and any replacement Servicer appointed thereafter
pursuant to the Sale and Servicing Agreement.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 34.8pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 34.8pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Supplemental Servicing Fees</I>&#8221; means any
and all (i) late fees, (ii) extension fees, (iii) non-sufficient funds charges and (iv) any and all other administrative fees or similar
charges allowed by applicable law with respect to any Receivable.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Targeted Overcollateralization Amount</I>&#8221;
means, for each Payment Date, 43.00% of the Pool Balance as of the Cut-Off Date.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Tax Information</I>&#8221; means information and/or
properly completed and signed tax certifications sufficient to eliminate the imposition of or to determine the amount of any withholding
of tax, including FATCA Withholding, imposed on payments to the provider, and to allow the recipient to comply with any reporting or other
obligations under any applicable tax law, including but not limited to Internal Revenue Service Form W-9, W-8BEN, W-8BEN-E, W- 8ECI or
W-8IMY, as applicable, and any required supporting documentation.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>TIA</I>&#8221; or &#8220;<I>Trust Indenture Act</I>&#8221;
means the Trust Indenture Act of 1939, as amended and as in force on the date hereof, unless otherwise specifically provided.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Transaction Documents</I>&#8221; means the Indenture,
the Notes, the Depository Agreement, the Sale and Servicing Agreement, the Purchase Agreement, the Administration Agreement, the Backup
Servicing Agreement, the Trust Agreement and the Certificates, as the same may be amended or modified from time to time.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 16.45pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 16.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Transferred Assets</I>&#8221; means (a) the Purchased
Assets, (b) all of the Seller&#8217;s rights under the Purchase Agreement, including the rights to enforce the repurchase obligation of
Colonial for</P>

<P STYLE="margin: 0pt 16.45pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 51.35pt 0pt 5pt"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 51.35pt 0pt 5pt; font-size: 10pt">breaches of the representations and warranties of Colonial set forth in <U>Schedule
II</U> to the Purchase Agreement, and (c) all proceeds of the foregoing.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Trust Account Property</I>&#8221; means the Trust
Accounts, all amounts and investments held from time to time in any Trust Account (whether in the form of deposit accounts, Physical Property,
book-entry securities, uncertificated securities or otherwise), and all proceeds of the foregoing.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0 0pt 41pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 41pt; font-size: 10pt">&#8220;<I>Trust Accounts</I>&#8221; means the Collection Account and the Reserve Account.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Trust Agreement</I>&#8221; means the Amended and
Restated Trust Agreement, dated as of the Closing Date, between the Depositor and the Owner Trustee, as the same may be amended, restated,
modified or supplemented from time to time.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>Trust Estate</I>&#8221; means all money, accounts, chattel
paper, general intangibles, goods, instruments, investment property and other property of the Issuer, including, without limitation,
(i) the Receivables acquired by the Issuer under the Sale and Servicing Agreement, the Related Security relating thereto and Collections
thereon after the Cut-Off Date, (ii) all Receivable Files, (iii) the rights of the Issuer to the funds on deposit from time to time in
the Trust Accounts (including the Initial Reserve Account Deposit Amount) and any other account or accounts established pursuant to the
Indenture or Sale and Servicing Agreement and all cash, investment property and other property from time to time credited thereto and
all proceeds thereof (including investment earnings, net of losses and investment expenses, on amounts on deposit therein, other than
as provided in <U>Section 3.7</U> of the Sale and Servicing Agreement), (iv) the rights of the Seller, as buyer, under the Purchase Agreement,
(v) the rights of the Issuer under the Sale and Servicing Agreement, the Backup Servicing Agreement and the Administration Agreement
and (vi) all proceeds of the foregoing.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 20.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 20.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>UCC</I>&#8221; means, unless the context otherwise
requires, the Uniform Commercial Code as in effect in the relevant jurisdiction, as amended from time to time.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>United States</I>&#8221; or &#8220;<I>USA</I>&#8221; means
the United States of America (including all states, the District of Columbia, territories and political subdivisions thereof).</P>

<P STYLE="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 31.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 31.95pt 0pt 5pt; font-size: 10pt; text-align: justify; text-indent: 0.5in">&#8220;<I>Unrelated
Amounts</I>&#8221; means (a) amounts deposited by the Servicer into the Collection Account but later determined by the Servicer to
be mistaken or returned deposits or postings, (b)&nbsp; amounts deposited by the Servicer into the Collection Account as Collections
but which were later determined by the Servicer to not constitute Collections with respect to the Receivables and (c)&nbsp; amounts
received by the Servicer with respect to a Receivable that the Servicer is prohibited from depositing into the Collection Account or
otherwise remitting to the Issuer by law or court order, the direction of a regulatory authority or regulatory guidance.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 0 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&#8220;<I>U.S. Tax Person</I>&#8221; means a Person that is a &#8220;United
States person&#8221; as defined in Section 7701(a)(30) of the Code, generally including:</P>

<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 27.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in"> (a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a citizen or resident of the United States;</P>



<P STYLE="margin: 0pt 0 0pt 5pt; font-size: 10pt; text-indent: 0.5in">&nbsp;</P>
<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 27.6pt 0pt 5pt"></P>

<!-- Field: Page; Sequence: 79; Value: 2 -->
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<P STYLE="margin: 0pt 27.6pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a corporation or partnership organized in or under the laws of the United States, any State or the District of Columbia;</P>

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<P STYLE="margin: 0pt 21.9pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 36.95pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 36.95pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
a trust if a U.S. court is able to exercise primary supervision over the administration of the trust and one or more U.S. Tax Persons
have the authority to control all substantial decisions of the trust or a trust that has elected to be treated as a U.S. Tax Person.</P>

<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0pt 15.4pt 0pt 5pt">&nbsp;</P>

<P STYLE="margin: 0pt 15.4pt 0pt 5pt; font-size: 10pt; text-indent: 0.5in">The foregoing definitions shall be equally applicable to both
the singular and plural forms of the defined terms. Unless otherwise inconsistent with the terms of this Agreement, all accounting terms
used herein shall be interpreted, and all accounting determinations hereunder shall be made, in accordance with GAAP. Amounts to be calculated
hereunder shall be continuously recalculated at the time any information relevant to such calculation changes.</P>



<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

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  <TD STYLE="font-size: 10pt; width: 33%">&nbsp;</TD>
  <TD STYLE="font-size: 10pt; text-align: center; width: 34%">A-24</TD>
  <TD STYLE="font-size: 10pt; width: 33%"><P STYLE="margin: 0pt 0 0pt 1pt; text-align: right; font-size: 10pt"><I>Definitions (ACMAT 2025-2)</I></P>
</TD></TR>
</TABLE>

<P STYLE="margin: 0"></P>

<P STYLE="margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>5
<FILENAME>exh_991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font-size: 10pt; margin: 0pt 0; color: Red"></P>

<P STYLE="text-align: right; font-size: 10pt; margin: 0pt 0; color: Red"><FONT STYLE="color: Black"><B>Exhibit 99.1</B></FONT></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="text-align: center; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="logo.jpg" ALT=""></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0"></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0"><FONT STYLE="text-transform: uppercase"><B>AMERICA&rsquo;S CAR-MART, Inc.
Completes $216 Million Term Securitization</B></FONT></P>

<P STYLE="font-size: 10pt; text-align: center; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>Rogers, AR, May 30, 2025</B> &ndash; America&rsquo;s Car-Mart, Inc. (NASDAQ: CRMT) (&ldquo;we,&rdquo;
&ldquo;Car-Mart&rdquo; or the &ldquo;Company&rdquo;), announced today that it has completed a term securitization transaction involving
the issuance of $216 million in principal amount of asset-backed notes with an overall weighted average coupon of 6.27%.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">ACM Auto Trust 2025-2 issued $165.18 million of Class A Notes and $50.82 million of Class B
Notes. The Class A Notes have a coupon rate of 5.55% and the Class B Notes have a coupon rate of 7.25%.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&ldquo;I am very pleased with the outcome on our seventh ABS transaction,&rdquo; said Douglas
Campbell, Chief Executive Officer of America&rsquo;s Car-Mart.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&ldquo;We continue to see strong demand and improved pricing for our securitizations, which
reflects growing market confidence in our portfolio. The weighted average coupon improved by 22 basis points to 6.27% compared to our
January 2025 issuance and by 107 basis points from our October 2024 issuance. Our work here continues to lower our financing costs and
strengthen our capital efficiency,&rdquo; said Jonathan Collins, Chief Financial Officer.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">ACM Auto Trust 2025-2 is an indirect subsidiary of the Company. The notes have not been and
will not be registered under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;), and may not be offered or sold
in the United States absent registration or an applicable exemption from registration requirements. This news release does not and will
not constitute an offer to sell or the solicitation of an offer to buy the notes. This news release is being issued pursuant to and in
accordance with Rule 135c under the Securities Act.</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>About America&rsquo;s Car-Mart, Inc.</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">A<FONT STYLE="background-color: white">merica&rsquo;s&nbsp;Car-Mart, Inc.&nbsp;(the
&ldquo;Company&rdquo;) operates automotive dealerships in 12 states and is one of the largest publicly held automotive retailers in&nbsp;the
United States&nbsp;focused exclusively on the &ldquo;Integrated&nbsp;Auto Sales&nbsp;and Finance&rdquo; segment of the used car market.
The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates
its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing
for substantially all of its customers. For more information about America&rsquo;s Car-Mart, including investor presentations, please
visit our websit<FONT STYLE="color: Black">e at www.car-mart.com.</FONT></FONT></P>

<P STYLE="font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0"><B>Contact:</B></P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">SM Berger &amp; Company<BR>
Andrew Berger, Managing Director<BR>
andrew@smberger.com<BR>
(216) 464-6400</P>

<P STYLE="font-size: 10pt; margin: 0pt 0">&nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

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end
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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>7
<FILENAME>crmt-20250529.xsd
<DESCRIPTION>XBRL SCHEMA FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 6.0c -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: /KYps7xRiXgen8uGZX8sSa+NecPtwptyuZkhuWh/ffnafyIjKHHG3CqCdZXmcWkL -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:srt="http://fasb.org/srt/2025" xmlns:srt-types="http://fasb.org/srt-types/2025" xmlns:CRMT="http://car-mart.com/20250529" elementFormDefault="qualified" targetNamespace="http://car-mart.com/20250529">
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          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
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    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
    <import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd" />
    <import namespace="http://fasb.org/us-types/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd" />
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    <import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
    <import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>8
<FILENAME>crmt-20250529_lab.xml
<DESCRIPTION>XBRL LABEL FILE
<TEXT>
<XBRL>
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<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>9
<FILENAME>crmt-20250529_pre.xml
<DESCRIPTION>XBRL PRESENTATION FILE
<TEXT>
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<head>
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<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>May 29, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">May 29,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">0-14939<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">AMERICA&#8217;S CAR-MART, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000799850<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">63-0851141<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">TX<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">1805 North 2nd Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 401<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Rogers<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">AR<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">72756<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(479)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">464-9944<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CRMT<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
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<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<td>dei:securityTitleItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:edgarExchangeCodeItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14a<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<td><strong> Balance Type:</strong></td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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<tr>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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