EX-10.5



 Exhibit 10.5 
 EXECUTION COPY 
  

 
 RECEIVABLES SALE AGREEMENT

 dated as of March 28, 2013 
 between 
 FIFTH THIRD BANK 

and 
 FIFTH
THIRD HOLDINGS, LLC 
  
  







 TABLE OF CONTENTS 

 

							
	 	 	 	  	Page	 
			
	 ARTICLE I
	 	 DEFINITIONS AND USAGE
	  	 	1	  
	 SECTION 1.1
	 	 Definitions
	  	 	1	  
	 SECTION 1.2
	 	 Other Interpretive Provisions
	  	 	1	  
	 ARTICLE II
	 	 PURCHASE
	  	 	2	  
	 SECTION 2.1
	 	 Agreement to Sell and Contribute on the Closing Date
	  	 	2	  
	 SECTION 2.2
	 	 Consideration and Payment
	  	 	2	  
	 ARTICLE III
	 	 REPRESENTATIONS, WARRANTIES AND COVENANTS
	  	 	2	  
	 SECTION 3.1
	 	 Representations and Warranties of the Bank
	  	 	2	  
	 SECTION 3.2
	 	 Representations and Warranties of the Bank as to each Receivable
	  	 	3	  
	 SECTION 3.3
	 	 Repurchase upon Breach
	  	 	4	  
	 SECTION 3.4
	 	 Protection of Title
	  	 	4	  
	 SECTION 3.5
	 	 Other Liens or Interests
	  	 	5	  
	 SECTION 3.6
	 	 Perfection Representations, Warranties and Covenants
	  	 	5	  
	 SECTION 3.7
	 	 Official Record
	  	 	5	  
	 SECTION 3.8
	 	 Compliance with the FDIC Rule
	  	 	5	  
	 SECTION 3.9
	 	 Merger or Consolidation of, or Assumption of the Obligations of, the Bank
	  	 	5	  
	 SECTION 3.10
	 	 Bank May Own Notes
	  	 	6	  
	 ARTICLE IV
	 	 MISCELLANEOUS
	  	 	6	  
	 SECTION 4.1
	 	 Transfers Intended as Sale; Security Interest
	  	 	6	  
	 SECTION 4.2
	 	 Notices, Etc
	  	 	7	  
	 SECTION 4.3
	 	 Choice of Law
	  	 	7	  
	 SECTION 4.4
	 	 Headings
	  	 	8	  
	 SECTION 4.5
	 	 Counterparts
	  	 	8	  
	 SECTION 4.6
	 	 Amendment
	  	 	8	  
	 SECTION 4.7
	 	 Waivers
	  	 	9	  
	 SECTION 4.8
	 	 Entire Agreement
	  	 	9	  
	 SECTION 4.9
	 	 Severability of Provisions
	  	 	9	  
	 SECTION 4.10
	 	 Binding Effect
	  	 	9	  
	 SECTION 4.11
	 	 Acknowledgment and Agreement
	  	 	9	  
	 SECTION 4.12
	 	 Cumulative Remedies
	  	 	10	  


  

					
		  	i	  	 Receivables Sale Agreement
 (2013-A)











 TABLE OF CONTENTS 

(continued) 
  


							
	 	 	 	  	Page	 
			
	 SECTION 4.13
	 	 Nonpetition Covenant
	  	 	10	  
	 SECTION 4.14
	 	 Submission to Jurisdiction; Waiver of Jury Trial
	  	 	10	  
	 SECTION 4.15
	 	 Not Applicable to the Bank in Other Capacities
	  	 	11	  


  

					
		  	-ii-	  	










 TABLE OF CONTENTS 

(continued) 
  

 EXHIBITS 

 

			
	Exhibit A	  	Form of Assignment Pursuant to Receivables Sale Agreement
	Schedule I	  	Representations and Warranties With Respect to the Receivables
	Schedule II	  	Perfection Representations, Warranties and Covenants
	Schedule III	  	Schedule of the Bank Transferred Assets


  

					
		  	iii	  	 Receivables Sale Agreement
 (2013-A)










 THIS RECEIVABLES SALE AGREEMENT is made and entered into as of March 28, 2013 (as
amended, restated, supplemented or otherwise modified and in effect from time to time, this “Agreement”) by FIFTH THIRD BANK, an Ohio banking corporation (the “Bank”), and FIFTH THIRD HOLDINGS, LLC, a Delaware
limited liability company (“FTH LLC”). 
 WITNESSETH: 

WHEREAS, FTH LLC desires to purchase from the Bank a portfolio of motor vehicle receivables, including motor vehicle retail installment
sale contracts and/or installment loans that are secured by new and used automobiles, light-duty trucks, vans and other motor vehicles; and 
 WHEREAS, the Bank is willing to sell such portfolio of motor vehicle receivables and related property to FTH LLC on the terms and conditions set forth in this Agreement. 

NOW, THEREFORE, in consideration of the premises and the mutual agreements set forth herein, the parties hereto agree as follows:

 ARTICLE I 
 DEFINITIONS AND USAGE 
 SECTION 1.1 Definitions. Except as otherwise
defined herein or as the context may otherwise require, capitalized terms used but not otherwise defined herein are defined in Appendix A to the Sale Agreement dated as of the date hereof (as from time to time amended, supplemented or
otherwise modified and in effect, the “Sale Agreement”) between Fifth Third Auto Trust 2013-A and Fifth Third Holdings Funding, LLC, as seller, which contains rules as to usage that are applicable herein. 

SECTION 1.2 Other Interpretive Provisions. Other Interpretive Provisions. 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 “hereof,” “herein” and “hereunder” 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 “including” and all variations thereof means “including
without limitation”; (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’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. 

  

					
		  		  	 Receivables Sale Agreement
 (2013-A)










 ARTICLE II 
 PURCHASE 
 SECTION 2.1 Agreement to Sell and Contribute on the Closing
Date. On the terms and subject to the conditions set forth in this Agreement, the Bank does hereby transfer, assign, set over, sell, contribute and otherwise convey to FTH LLC without recourse (subject to the obligations herein) on the Closing
Date (a) all of its right, title, interest, claims and demands of the Bank in, to and under the Receivables described on Schedule III hereto, 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 in the form of Exhibit A (“Assignment”) delivered on the Closing Date (the “Bank Transferred Assets”). The sale, transfer, assignment,
contribution and conveyance made hereunder does not constitute and is not intended to result in an assumption by FTH LLC of any obligation of the Bank or the Originator to the Obligors, the Dealers, 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. 

SECTION 2.2 Consideration and Payment. In consideration of the transfer of the Bank Transferred Assets conveyed to FTH LLC on the
Closing Date, FTH LLC shall pay in cash to the Bank on such date an amount equal to the estimated fair market value of the Bank Transferred Assets on the Closing Date. 
 ARTICLE III 
 REPRESENTATIONS, WARRANTIES AND COVENANTS 

SECTION 3.1 Representations and Warranties of the Bank. The Bank makes the following representations and warranties as of the
Closing Date on which FTH LLC will be deemed to have relied in acquiring the Bank Transferred Assets. The representations and warranties will survive the conveyance of the Bank Transferred Assets to FTH LLC pursuant to this Agreement, the conveyance
of the Bank Transferred Assets by FTH LLC to the Depositor pursuant to the Purchase Agreement, the conveyance of the Bank Transferred Assets by the Depositor to the Issuer pursuant to the Sale Agreement and the Grant thereof by the Issuer to the
Indenture Trustee pursuant to the Indenture: 
 (a) Existence and Power. The Bank is a banking corporation validly
existing and in good standing under the laws of its state of organization and has, in all material respects, all power and authority to carry on its business as it is now conducted. The Bank 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 Bank to perform its obligations under the Transaction Documents or affect the enforceability or collectibility of the Receivables or any other part of
the Bank Transferred Assets. 
 (b) Authorization and No Contravention. The execution, delivery and performance by the
Bank of the Transaction Documents to which it is a party (i) have been duly authorized by all necessary action on the part of the Bank and (ii) do not contravene or constitute a default


  

					
		 	-2-	  	 Receivables Sale Agreement
 (2013-A)










 
under (A) any applicable law, rule or regulation, (B) its organizational documents or (C) any material agreement, contract, order or other instrument to which it is a party or its
property is subject (other than violations 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 Bank’s ability to perform its obligations under, the Transaction Documents). 
 (c) No Consent Required.
No approval or authorization by, or filing with, any Governmental Authority is required in connection with the execution, delivery and performance by the Bank 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
collectibility of the Receivables or any other part of the Bank Transferred Assets or would not materially and adversely affect the ability of the Bank to perform its obligations under the Transaction Documents. 

(d) Binding Effect. Each Transaction Document to which the Bank is a party constitutes the legal, valid and binding obligation of
the Bank enforceable against the Bank 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’ rights generally and, if applicable, the rights of creditors of corporations from time to time in effect or by general principles of equity. 
 (e) No Proceedings. There are no actions, suits or proceedings pending or, to the knowledge of the Bank, threatened against the Bank 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 Bank of its obligations under this Agreement or any of the other Transaction Documents or the collectibility or
enforceability of the Receivables, or (iv) relate to the Bank that would materially and adversely affect the federal or Applicable Tax State income, excise, franchise or similar tax attributes of the Notes. 

(f) Lien Filings. The Bank is not aware of any material judgment, ERISA or tax lien filings against the Bank. 

SECTION 3.2 Representations and Warranties of the Bank as to each Receivable. The Bank hereby makes the representations and
warranties set forth on Schedule I as to the Receivables (including the Receivables related to the Bank Transferred Assets) sold, contributed, transferred, assigned, set over and otherwise conveyed to FTH LLC under this Agreement on which
such representations and warranties FTH LLC relies in acquiring the Receivables. (For the avoidance of doubt, it is understood that the Bank makes representations and warranties only with respect to the Receivables described on Schedules III
and IV hereto.) Such representations and warranties shall survive the sale of the Receivables to the Seller under the Purchase Agreement, the sale of the Receivables by the Seller to the Issuer under the Sale Agreement, and the Grant of the
Receivables by the Issuer to the Indenture Trustee pursuant to the Indenture. 

  

					
		 	-3-	  	 Receivables Sale Agreement
 (2013-A)










 
Notwithstanding any statement to the contrary contained herein or in any other Transaction Document, the Bank shall not be required to notify any insurer with respect to any Insurance Policy
obtained by an Obligor or to notify any Dealer about any aspect of the transaction contemplated by the Transaction Documents. 

SECTION 3.3 Repurchase upon Breach. Upon discovery by or notice to FTH LLC or the Bank of a breach of any of the representations
and warranties set forth in Section 3.2 at the time such representations and warranties were made which materially and adversely affects the interests of the Issuer or the Noteholders, the party discovering such breach or receiving such
notice shall give prompt written notice thereof to the other party; provided, that delivery of a Servicer’s Certificate which identifies the Receivables that are being or have been repurchased shall be deemed to constitute prompt notice
of such breach; provided, further, that the failure to give such notice shall not affect any obligation of the Bank hereunder. If the breach materially and adversely affects the interests of the Issuer or the Noteholders, then the Bank
shall either (a) correct or cure such breach or (b) repurchase such Receivable from FTH LLC, in either case on or before the Payment Date following the end of the Collection Period which includes the 60th day (or, if the Bank elects, an
earlier date) after the date that the Bank became aware or was notified of such breach. Any such breach or failure will be deemed not to have a material and adverse effect if such breach or failure does not affect the ability of FTH LLC (or its
assignee) to receive and retain timely payment in full on such Receivable. Any such purchase by the Bank shall be at a price equal to the Repurchase Price. In consideration for such repurchase, the Bank shall make (or shall cause to be made) a
payment to FTH LLC equal to the Repurchase Price by depositing such amount into the Collection Account prior to 11:00 a.m., New York City time on the date of such repurchase, if such repurchase date is not a Payment Date or, if such repurchase date
is a Payment Date, then prior to the close of business on the Business Day prior to such repurchase date. Upon payment of such Repurchase Price by the Bank, FTH LLC 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 Bank to evidence such release, transfer or assignment or more effectively vest in the Bank or its designee any Receivable and the related Bank
Transferred Assets repurchased pursuant hereto. It is understood and agreed that the obligation of the Bank to purchase any Receivable as described above shall constitute the sole remedy respecting such breach available to FTH LLC. 

SECTION 3.4 Protection of Title. 
 (a) The Bank shall authorize and file such financing statements and cause to be authorized and filed such continuation and other statements, all in such manner and in such places as may be required by law
fully to preserve, maintain and protect the interest of FTH LLC under this Agreement in the Receivables (other than any Related Security with respect thereto, to the extent that the interest of FTH LLC therein cannot be perfected by the filing of a
financing statement). The Bank shall deliver (or cause to be delivered) to FTH LLC file-stamped copies of, or filing receipts for, any document filed as provided above, as soon as available following such filing. 

(b) The Bank will notify FTH LLC in writing within ten (10) days following the occurrence of (i) any change in the Bank’s
organizational structure as a banking corporation, (ii) any change in the Bank’s “location” (within the meaning of Section 9-307 of the UCC of all 

  

					
		 	-4-	 	 Receivables Sale Agreement
 (2013-A)










 
applicable jurisdictions) and (iii) any change in the Bank’s name 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 in the opinion of FTH LLC to amend all previously filed financing statements or continuation statements
described in paragraph (a) above. The Bank will at all times maintain its “location” within the United States. 

(c) The Bank 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 FTH LLC (or any subsequent assignee of FTH LLC) in such Receivable and
that such Receivable is owned by such Person. Indication of such Person’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. 
 (d) If at any time the Bank 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 Bank 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 FTH LLC (or any subsequent assignee of FTH LLC). 

SECTION 3.5 Other Liens or Interests. Except for the conveyances and grants of security interests pursuant to this Agreement and
the other Transaction Documents, the Bank shall not sell, pledge, assign or transfer the Receivables or other property transferred to FTH LLC 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 Bank shall defend the right, title and interest of FTH LLC in, to and under such Receivables or other property transferred to FTH LLC against all claims of third parties claiming through or under the Bank.

 SECTION 3.6 Perfection Representations, Warranties and Covenants. The Bank hereby makes the perfection
representations, warranties and covenants set forth on Schedule II hereto to FTH LLC and FTH LLC shall be deemed to have relied on such representations, warranties and covenants in acquiring the Bank Transferred Assets. 

SECTION 3.7 Official Record. So long as the Notes remain outstanding, this Agreement shall be treated as an official record of the
Bank within the meaning of Section 13(e) of the Federal Deposit Insurance Act (12 U.S.C. Section 1823(e)). 
 SECTION
3.8 Compliance with the FDIC Rule. The Bank (i) shall perform the covenants set forth in Article XII of the Indenture applicable to it and (ii) shall facilitate compliance with Article XII of the Indenture by the Fifth
Third Parties. 
 SECTION 3.9 Merger or Consolidation of, or Assumption of the Obligations of, the Bank. Any Person
(i) into which the Bank 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, (ii) resulting from any merger, sale, transfer
conversion, or consolidation to which the 

  

					
		 	-5-	  	 Receivables Sale Agreement
 (2013-A)










 
Bank shall be a party, (iii) succeeding to the business of the Bank, or (iv) 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 Fifth Third Bancorp, which Person in any of the foregoing cases executes an agreement of assumption to perform every obligation of the Bank under this Agreement, will be the successor to the Bank under this Agreement
without the execution or filing of any document or any further act on the part of any of the parties to this Agreement anything herein to the contrary notwithstanding. Notwithstanding the foregoing, if the Bank enters into any of the foregoing
transactions and is not the surviving entity, the Bank will 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 and the Indenture Trustee, respectively, in the Receivables, or (B) stating that, in the opinion of such counsel, no such action is
necessary to preserve and protect such interest. 
 SECTION 3.10 Bank May Own Notes. The Bank, and any Affiliate of the
Bank, 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 Bank 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 Bank 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 Bank, the Servicer, the Administrator or any of their respective Affiliates, any Notes owned by the Issuer, the Bank, 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.

 ARTICLE IV 
 MISCELLANEOUS 
 SECTION 4.1 Transfers Intended as Sale; Security Interest.

 (a) 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 and contributions 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 Bank Transferred Assets shall not be part of the Bank’s estate in the event of a bankruptcy or insolvency of the Bank. The sales and transfers by the Bank of the Receivables and related the Bank Transferred Assets
hereunder are and shall be without recourse to, or representation or warranty (express or implied) by, the Bank, except as otherwise specifically provided herein. The limited rights of recourse specified herein against the Bank are intended to
provide a remedy for breach of representations and warranties relating to the condition of the property sold, rather than to the collectibility of the Receivables. 
 (b) Notwithstanding the foregoing, in the event that the Receivables and other Bank Transferred Assets are held to be property of the Bank, or if for any reason this Agreement is


  

					
		 	-6-	  	 Receivables Sale Agreement
 (2013-A)










 
held or deemed to create indebtedness or a security interest in the Receivables and other Bank Transferred Assets, then it is intended that: 

(i) 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; 
 (ii) The conveyance provided for in Section 2.1
shall be deemed to be a grant by the Bank of, and the Bank hereby grants to FTH LLC, 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 Bank Transferred Assets, to secure such indebtedness and the performance of the obligations of the Bank hereunder; 
 (iii) The possession by FTH LLC 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 “possession
by the secured party” or possession by FTH LLC or a Person designated by FTH LLC, for purposes of perfecting the security interest pursuant to the New York UCC and the UCC of any other applicable jurisdiction; and 

(iv) 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 FTH LLC for the purpose of perfecting such security interest under applicable law. 

SECTION 4.2 Notices, Etc. 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, by facsimile or, if so provided on Schedule II to the Sale Agreement, by electronic transmission, and addressed in each
case as specified on Schedule II to the Sale 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 Agreement shall
be conclusively presumed to have been duly given, whether or not the Noteholder shall receive such notice. 

SECTION 4.3 Choice of Law. 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. 

  

					
		 	-7-	  	 Receivables Sale Agreement
 (2013-A)










 SECTION 4.4 Headings. The section headings hereof have been inserted for convenience
only and shall not be construed to affect the meaning, construction or effect of this Agreement. 
 SECTION 4.5
Counterparts. This Agreement may be executed in any number of counterparts, each of which so executed shall be deemed to be an original, regardless of whether delivered in physical or electronic form, but all of such counterparts shall
together constitute but one and the same instrument. 
 SECTION 4.6 Amendment. 

(a) Any term or provision of this Agreement may be amended by the Bank and FTH LLC without the consent of the Indenture Trustee, the
Issuer, any Noteholder, the Owner Trustee or any other Person subject to the satisfaction of one of the following conditions: 
 (i) The Bank or FTH LLC delivers an Opinion of Counsel or an Officer’s Certificate to the Indenture Trustee to the effect that such amendment will not materially and adversely affect the interests of
the Noteholders; or 
 (ii) The Rating Agency Condition is satisfied with respect to such amendment and the Bank
or FTH LLC notifies the Indenture Trustee in writing that the Rating Agency Condition is satisfied with respect to such amendment. 
 (b) This Agreement may also be amended from time to time by the Bank and FTH LLC, with the consent of (i) the Holders of Notes evidencing not less than a majority of the Outstanding Note Balance of
the Controlling Class and (ii) the Majority Certificateholders, 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 or the Certificateholders. It will not be necessary for the consent of Noteholders or Certificateholders 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 and Certificateholders provided for in this Agreement) and of evidencing the authorization of the execution thereof by Noteholders and Certificateholders
will be subject to such reasonable requirements as the Indenture Trustee and Owner Trustee may prescribe, including the establishment of record dates pursuant to the Note Depository Agreement. 

(c) Prior to the execution of any amendment pursuant to this Section 4.6, the Bank or FTH LLC shall provide written
notification of the substance of such amendment to each Rating Agency; and promptly after the execution of any such amendment, the Bank or FTH LLC shall furnish a copy of such amendment to each Rating Agency, the Issuer and the Indenture Trustee;
provided, that no amendment pursuant to this Section 4.6 shall be effective which materially and adversely affects the rights, protections or duties of the Indenture Trustee or the Owner Trustee without the prior written consent
of such Person. 
 (d) 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 

  

					
		 	-8-	  	 Receivables Sale Agreement
 (2013-A)










 
Agreement and an Officer’s Certificate from the Depositor or the Administrator 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 materially and adversely affects the Owner Trustee’s or the Indenture Trustee’s, as applicable, own rights, privileges, indemnities,
duties or obligations under this Agreement, the Transaction Documents or otherwise. 
 (e) Notwithstanding subsection
(a) of this Section 4.6, this Agreement may only be amended by the Bank and FTH LLC if (i) the Majority Certificateholders consent to such amendment or (ii) such amendment shall not, as evidenced by an Officer’s
Certificate of the Bank or FTH LLC or an Opinion of Counsel delivered to the Indenture Trustee and the Owner Trustee, materially and adversely affect the interests of the Certificateholders. 

SECTION 4.7 Waivers. No failure or delay on the part of FTH LLC, the Servicer, the Bank, 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 FTH LLC or the Bank 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.

 SECTION 4.8 Entire Agreement. 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. 
 SECTION 4.9 Severability of Provisions. 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. 

SECTION 4.10 Binding Effect. 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. 
 SECTION 4.11 Acknowledgment and Agreement. By execution below, the Bank expressly acknowledges and
consents to the sale of the Bank Transferred Assets and the assignment of all rights and obligations of the Bank related thereto by FTH LLC to the Depositor pursuant to the Purchase Agreement and by the Depositor to the Issuer pursuant to the Sale
Agreement and the Grant of a security interest in the Receivables and the other Bank Transferred 

  

					
		 	-9-	  	 Receivables Sale Agreement
 (2013-A)










 
Assets by the Issuer to the Indenture Trustee pursuant to the Indenture for the benefit of the Noteholders. In addition, the Bank 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 FTH LLC under this Agreement in the event that FTH LLC shall fail to exercise the same. 

SECTION 4.12 Cumulative Remedies. The remedies herein provided are cumulative and not exclusive of any remedies provided by law.

 SECTION 4.13 Nonpetition Covenant. 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 or join with any other Person in commencing 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 Section shall survive the termination of this Agreement. 
 SECTION 4.14 Submission to Jurisdiction; Waiver of Jury Trial. Each of the parties hereto hereby irrevocably and unconditionally: 

(a) submits for itself and its property in any legal action or 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; 
 (b) consents that any such action or Proceeding may be brought in
such courts and waives any objection that it may now or hereafter have to the venue of such action or Proceeding in any such court or that such action or Proceeding was brought in an inconvenient court and agrees not to plead or claim the same;

 (c) agrees that service of process in any such action or 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 Section 4.2 of this Agreement; 

(d) 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 

  

					
		 	-10-	  	 Receivables Sale Agreement
 (2013-A)










 (e) to the extent permitted by applicable law, each party hereto irrevocably
waives all right of trial by jury in any action, 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. 

SECTION 4.15 Not Applicable to the Bank in Other Capacities. Nothing in this Agreement shall affect any obligation the Bank may
have in any other capacity. 
 [Remainder of Page Intentionally Left Blank] 

  

					
		 	-11-	  	 Receivables Sale Agreement
 (2013-A)










 IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year
first written above. 
  

			
	FIFTH THIRD BANK
		
	By:	 	 /s/ Neil J. Prendergast

	Name:	 	Neil J. Prendergast
	Title:	 	Senior Vice President
	
	FIFTH THIRD HOLDINGS, LLC
		
	By:	 	 /s/ Neil J. Prendergast

	Name:	 	Neil J. Prendergast
	Title:	 	Senior Vice President



  

					
		 	S-1	 	 Receivables Sale Agreement
 (2013-A)










 EXHIBIT A 
 FORM OF 
 ASSIGNMENT PURSUANT TO RECEIVABLES SALE AGREEMENT

 March 28, 2013 
 For value received, in accordance with the Receivables Sale Agreement, dated as of March 28, 2013 (the “Agreement”), between Fifth Third Bank (the “Bank”), and Fifth
Third Holdings, LLC, a Delaware limited liability company (“FTH LLC”), on the terms and subject to the conditions set forth in the Agreement, the Bank does hereby transfer, assign, set over, sell, contribute and otherwise
convey to FTH LLC without recourse (subject to the obligations in the Agreement) on the Closing Date, all of its right, title, interest, claims and demands in, to and under the Receivables set forth on the schedule of Receivables delivered by the
Bank to FTH LLC on the date hereof, the Collections after the Cut-Off Date, the Receivable Files and the Related Security relating thereto. 
 The foregoing sale does not constitute and is not intended to result in an assumption by FTH LLC of any obligation of the undersigned or the Originator to the Obligors, the Dealers, 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. 
 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. 

Capitalized terms used herein and not otherwise defined shall have the respective meanings assigned to them in the Agreement or, if not
defined in the Agreement, in Appendix A to the Sale Agreement, dated as of March 28, 2013, between Fifth Third Auto Trust 2013-A and Fifth Third Holdings Funding, LLC. 

[Remainder of page intentionally left blank] 

  

					
		 	A-1	 	 Receivables Sale Agreement
 (2013-A)










 IN WITNESS WHEREOF, the undersigned has caused this assignment to be duly executed as of the
date first above written. 
  

			
	FIFTH THIRD BANK
		
	By:	 	  

	Name:	 	
	Title:	 	



  

					
		 	A-2	 	 Receivables Sale Agreement
 (2013-A)










 SCHEDULE I 
 REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE RECEIVABLES 
 DESCRIBED
ON SCHEDULE III AND TRANSFERRED BY OHIO BANK TO FTH LLC 
  

	(a)	Characteristics of Receivables. As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable: 


 

	 	(i)	has been fully and properly executed or electronically authenticated by the Obligor thereto; 


 

	 	(ii)	has either (A) been originated by a Dealer in the ordinary course of such Dealer’s business to finance the retail sale by a Dealer of the related Financed
Vehicle and has been purchased by the Bank in the ordinary course of its respective business or (B) has been originated or acquired directly by the Bank in accordance with its customary practices; 


 

	 	(iii)	as of the Closing Date, is secured by a first priority validly perfected security interest in the Financed Vehicle in favor of the Bank, 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 Bank, as secured party, which security interest, in either case, is assignable and has been so assigned (x) by
the Bank to FTH LLC, (y) by FTH LLC to the Seller and (z) by the Seller to the Issuer; 

  

	 	(iv)	contains customary and enforceable provisions such that the rights and remedies of the holder thereof are adequate for realization against the collateral of the
benefits of the security; 

  

	 	(v)	provided, at origination, for level monthly payments which fully amortize the initial Outstanding Principal Balance over the original term; provided, that the
amount of the first or last payment may be different from the level payment but in no event more than three times the level monthly payment; 

  

	 	(vi)	provides for interest at the Contract Rate specified in the Schedule of Receivables; and 


 

	 	(vii)	was originated in the United States. 

  

	(b)	Individual Characteristics. As of the Cut-Off Date (or such other date as may be specifically set forth below), each Receivable has the following individual
characteristics: 

  

	 	(i)	each Receivable is secured by a new or used automobile, light-duty truck, van or other motor vehicle; 


 

	 	(ii)	each Receivable has a Contract Rate of no less than 0.90% and not more than 3.88%; 


  

					
		 	Schedule I-1	 	 Receivables Sale Agreement
 (2013-A)











	 	(iii)	each Receivable had an original term to maturity of not more than 75 months and not less than 12 months and each Receivable has a remaining term to maturity, as of
the Cut-Off Date, of not more than 74 months and not less than 2 months; 

  

	 	(iv)	each Receivable has an Outstanding Principal Balance as of the Cut-Off Date of at least $1,055.45; 


 

	 	(v)	no Receivable has a scheduled maturity date later than June 26, 2019; 


 

	 	(vi)	no Receivable was more than 30 days past due as of the Cut-Off Date; 

  

	 	(vii)	as of the Cut-Off Date, no Receivable was noted in the records of the Servicer as being the subject of any pending bankruptcy or insolvency Proceeding;


  

	 	(viii)	each Receivable is a Simple Interest Receivable; 

  

	 	(ix)	each of the Receivables were selected using selection procedures that were not known or intended by the Bank to be adverse to FTH LLC; and 


 

	 	(x)	the Dealer of the Financed Vehicle has no participation in, or other right to receive, any proceeds of such Receivable. 


 

	(c)	Schedule of Receivables. The information with respect to each Receivable transferred on the Closing Date set forth in the Schedule of Receivables was true and
correct in all material respects as of the Cut-Off Date. 

  

	(d)	Compliance with Law. Each 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, including, to the extent applicable, usury laws, the Federal Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Federal Trade Commission Act, the Fair Debt
Collection Practices Act, the Fair Credit Billing Act, the Magnuson-Moss Warranty Act, Consumer Financial Protection Bureau’s Regulations B and Z, the Servicemembers Civil Relief Act of 2003, state adaptations of the National Consumer Act and
of the Uniform Consumer Credit Code and any other consumer credit, equal opportunity and disclosure laws applicable to that Receivable. 

  

	(e)	Binding Obligation. Each Receivable constitutes the legal, valid and binding payment obligation in writing of the Obligor, enforceable in all respects 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’ rights generally and (ii) as such Receivable may be modified by the application after the Cut-Off Date of the Servicemembers Civil Relief Act of 2003, as amended, to the extent applicable to the related Obligor.



  

					
		 	Schedule I-2	 	 Receivables Sale Agreement
 (2013-A)











	(f)	Receivable in Force. Each Receivable has not been satisfied, subordinated or rescinded nor has the related Financed Vehicle been released from the lien granted
by the Receivable in whole or in part. 

  

	(g)	No Default; No Waivers. 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 had arisen as of the Cut-Off Date and the Bank has not waived any of the foregoing. 


 

	(h)	Insurance. Each Receivable requires the Obligor thereunder to insure the Financed Vehicle under a physical damage insurance policy. 


 

	(i)	No Government Obligor. The Obligor on each Receivable is not the United States of America or any state thereof or any local government, or any agency,
department, political subdivision or instrumentality of the United States of America or any state thereof or any local government. 

  

	(j)	Assignment. No Receivable has been 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. The Bank has not entered into any agreement with any Obligor that prohibits, restricts or conditions the assignment of the related Receivable. 


 

	(k)	Good Title. It is the intention of the Bank that the sale, contribution, transfer, assignment and conveyance herein contemplated constitute an absolute sale,
contribution, transfer, assignment and conveyance of the Receivables and that the Receivables not be part of the Bank’s estate in the event of the filing of a bankruptcy petition by or against the Bank under any bankruptcy law. As of the
Closing Date, no Receivable has been sold, transferred, assigned, conveyed or pledged to any Person other than pursuant to the Transaction Documents. As of the Closing Date, and immediately prior to the sale and transfer herein contemplated, the
Bank had good and marketable title to each Receivable free and clear of all Liens (except any Lien which will be released prior to the sale and transfer of such Receivables to FTH LLC) and, immediately upon the sale and transfer thereof, FTH LLC
will have good and marketable title to each Receivable, free and clear of all Liens (other than Permitted Liens). 

  

	(l)	Filings. All filings (including, without limitation, UCC filings) necessary in any jurisdiction to give FTH LLC a first priority, validly perfected ownership
interest in the Receivables (other than the Related Security with respect thereto, to the extent that the interest of the Issuer therein cannot be perfected by the filing of a financing statement), and to give the Indenture Trustee a first priority
perfected security interest therein, will be submitted for filing on the Closing Date. 


  

					
		 	Schedule I-3	 	 Receivables Sale Agreement
 (2013-A)











	(m)	Priority. The Receivable is not pledged, assigned, sold, subject to a security interest, or otherwise conveyed other than pursuant to the Transaction Documents.
The Receivables Sale Agreement creates a valid and continuing security interest in the Receivable (other than the Related Security with respect thereto) in favor of FTH LLC 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 Bank. 

  

	(n)	Characterization of Receivables. Each Receivable constitutes either “electronic chattel paper,” “tangible chattel paper,” an
“instrument,” an “account,” a “promissory note,” a “general intangible” or a “payment intangible,” each as defined in the UCC. 


 

	(o)	One Original. There is only one executed original, electronically authenticated original or authoritative copy of the Contract (in each case within the meaning
of the UCC) related to each Receivable. If such original has been marked, then such original does not have any marks or notations indicating that it has been pledged, assigned or otherwise conveyed to any Person other than to a party to the
Transaction Documents. 

  

	(p)	No Defenses. The Bank has no knowledge either of any facts which would give rise to any right of rescission, set-off, counterclaim or defense, or of the same
being asserted or threatened, with respect to any Receivable. 

  

	(q)	No Repossession. As of the Cut-Off Date, no Financed Vehicle shall have been repossessed. 


 

	(r)	Pennsylvania Receivables. If such Receivable had an Obligor with a mailing address in Pennsylvania at origination, then such Receivable is not an
“installment sale contract” within the meaning of the Pennsylvania Motor Vehicles Sales Finance Act, 69 P.S. §601 et. seq. 

  

	(t)	Electronic Chattel Paper. As of the Cut-Off Date, such Receivable did not cause the aggregate Outstanding Principal Balance of all Receivables that constitute
“electronic chattel paper” (as defined in the UCC) to exceed 2.50% of the Net Pool Balance as of the Cut-Off Date. 

  

	(u)	Prepayments. The Receivable requires the Obligor thereunder to pay, upon any prepayment of such Receivable, an amount that is not less than the outstanding
principal balance of such Receivable plus interest accrued at the applicable Contract Rate to the date of the prepayment. 


  

					
		 	Schedule I-4	 	 Receivables Sale Agreement
 (2013-A)










 SCHEDULE II 
 PERFECTION REPRESENTATIONS, WARRANTIES AND COVENANTS 
 In addition to the
representations, warranties and covenants contained in the Agreement, the Bank hereby represents, warrants, and covenants to FTH LLC as follows on the Closing Date: 
 General 
 1. This Agreement creates a valid and continuing security
interest (as defined in the applicable UCC) in the Receivables and the other Bank Transferred Assets in favor of FTH LLC, which security interest is prior to all other Liens, and is enforceable as such against creditors of and purchasers from
the Bank. 
 2. The Receivables constitute “chattel paper” (including “electronic chattel paper” or
“tangible chattel paper”) “accounts,” “instruments”, “promissory notes”, “payment intangibles” or “general intangibles,” within the meaning of the applicable UCC. 

3. Immediately prior to the sale, transfer, contribution, assignment and/or conveyance of a Receivable, each Receivable is secured by a
first priority validly perfected and enforceable security interest in the related Financed Vehicle in favor of the Bank, 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 Bank, as secured party, subject, as to enforcement, to applicable bankruptcy, insolvency, reorganization, liquidation or other similar laws and equitable principles
relating to or affecting the enforcement of creditors’ rights generally. 
 Creation 

4. Immediately prior to the sale, transfer, contribution, assignment and/or conveyance of a Receivable by the Bank to FTH LLC, the Bank
owned and had good and marketable title to such Receivable free and clear of any Lien (other than any Liens in favor of FTH LLC) and immediately after the sale, transfer, assignment and conveyance of such Receivable to FTH LLC, FTH LLC will have
good and marketable title to such Receivable free and clear of any Lien. 
 5. The Bank has received all consents and approvals
to the sale of the Receivables hereunder to FTH LLC required by the terms of the Receivables that constitute instruments. 

  

					
		 	Schedule II-1	 	 Receivables Sale Agreement
 (2013-A)










 Perfection 

6. The Bank has submitted or will have caused to be submitted, on 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 Bank to FTH LLC and the security interest in the Receivables granted to FTH LLC
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: “A purchase of or security interest in any collateral described in this financing statement will violate the rights of the Secured Party/Purchaser.” 

7. With respect to Receivables that constitute an instrument or tangible chattel paper, either: 

 

	 	a.	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


  

	 	b.	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 


 

	 	c.	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, as pledgee of the Issuer. 

 Priority

 8. The Bank has not authorized the filing of, and is not aware of any financing statements against the Bank that
include a description of collateral covering the Receivables other than any financing statement (i) relating to the conveyance of the Receivables by the Bank to FTH LLC under the Receivables Sale Agreement, (ii) relating to the conveyance
of the Receivables by FTH LLC to the Seller under the Purchase Agreement, (iii) relating to the conveyance of the Receivables by the Seller to the Issuer under the Sale Agreement, (iv) relating to the security interest granted to the
Indenture Trustee under the Indenture or (v) that has been terminated. 
 9. The Bank is not aware of any material
judgment, ERISA or tax lien filings against the Bank. 
 10. Neither the Bank nor a custodian or vaulting agent thereof holding
any Receivable that is electronic chattel paper has communicated an “authoritative copy” (as such term is used in Section 9-105 of the UCC) of any loan agreement that constitutes or evidences such Receivable to any Person other than
the Servicer. 

  

					
		 	Schedule II-2	 	 Receivables Sale Agreement
 (2013-A)










 11. None of the instruments, electronic chattel paper or tangible chattel paper that
constitutes or evidences the Receivables has any marks or notations indicating that they have been pledged, assigned or otherwise conveyed to any Person other than FTH LLC, the Seller, the Issuer or the Indenture Trustee. 

Survival of Perfection Representations 
 12. Notwithstanding any other provision of this Agreement or any other Transaction Document, the perfection representations, warranties and covenants contained in this Schedule II 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. 
 No Waiver 
 13. The Bank shall provide the Rating Agencies with
prompt written notice of any material breach of the perfection representations, warranties and covenants contained in this Schedule II, and shall not, without satisfying the Rating Agency Condition, waive a breach of any of such
perfection representations, warranties or covenants. 

  

					
		 	Schedule II-3	 	 Receivables Sale Agreement
 (2013-A)










 SCHEDULE III 
 SCHEDULE OF BANK TRANSFERRED ASSETS 
 [On File With the Servicer]


  

					
		 	Schedule III-1	 	 Receivables Sale Agreement
 (2013-A)