EX-10.6



 Exhibit 10.6 
 EXECUTION COPY 
 FIFTH THIRD AUTO TRUST 2013-A 

AMENDED AND RESTATED TRUST AGREEMENT 
 between 
 FIFTH THIRD HOLDINGS FUNDING, LLC, 

as the Depositor 
 and 
 WILMINGTON TRUST, NATIONAL ASSOCIATION, 

as the Owner Trustee 
 Dated as of March 28, 2013 







 TABLE OF CONTENTS 

 

							
	 	 	 	  	Page	 
			
	 ARTICLE I
	 	 DEFINITIONS
	  	 	1	  
			
	 SECTION 1.1
	 	 Capitalized Terms
	  	 	1	  
	 SECTION 1.2
	 	 Other Interpretive Provisions
	  	 	1	  
			
	 ARTICLE II
	 	 ORGANIZATION
	  	 	2	  
			
	 SECTION 2.1
	 	 Name
	  	 	2	  
	 SECTION 2.2
	 	 Office
	  	 	2	  
	 SECTION 2.3
	 	 Purposes and Powers
	  	 	2	  
	 SECTION 2.4
	 	 Appointment of the Owner Trustee
	  	 	3	  
	 SECTION 2.5
	 	 Initial Capital Contribution of Trust Estate
	  	 	3	  
	 SECTION 2.6
	 	 Declaration of Trust
	  	 	3	  
	 SECTION 2.7
	 	 Organizational Expenses; Liabilities of the Holders
	  	 	4	  
	 SECTION 2.8
	 	 Title to the Trust Estate
	  	 	4	  
	 SECTION 2.9
	 	 Representations and Warranties of the Depositor
	  	 	4	  
			
	 ARTICLE III
	 	 CERTIFICATES AND TRANSFER OF CERTIFICATES
	  	 	5	  
			
	 SECTION 3.1
	 	 Initial Ownership
	  	 	5	  
	 SECTION 3.2
	 	 Authentication of Certificates
	  	 	6	  
	 SECTION 3.3
	 	 Form of the Certificates
	  	 	6	  
	 SECTION 3.4
	 	 Registration of Certificates
	  	 	6	  
	 SECTION 3.5
	 	 Transfer of Certificates
	  	 	6	  
	 SECTION 3.6
	 	 Lost, Stolen, Mutilated or Destroyed Certificates
	  	 	11	  
	 SECTION 3.7
	 	 Appointment of the Certificate Paying Agent
	  	 	11	  
	 SECTION 3.8
	 	 Maintenance of Office or Agency
	  	 	12	  
			
	 ARTICLE IV
	 	 ACTIONS BY OWNER TRUSTEE
	  	 	12	  
			
	 SECTION 4.1
	 	 Prior Notice to Certificateholders with Respect to Certain Matters
	  	 	12	  
	 SECTION 4.2
	 	 Action by Certificateholders with Respect to Certain Matters
	  	 	13	  
	 SECTION 4.3
	 	 Action by Certificateholders with Respect to Bankruptcy
	  	 	13	  
	 SECTION 4.4
	 	 Restrictions on Certificateholders’ Power
	  	 	13	  
	 SECTION 4.5
	 	 Acts of Certificateholders; Majority Control
	  	 	13	  
	 SECTION 4.6
	 	 Compliance with the FDIC Rule
	  	 	14	  
			
	 ARTICLE V
	 	 APPLICATION OF TRUST FUNDS; CERTAIN DUTIES
	  	 	14	  
			
	 SECTION 5.1
	 	 Application of Trust Funds
	  	 	14	  
	 SECTION 5.2
	 	 Sarbanes-Oxley Act
	  	 	15	  
	 SECTION 5.3
	 	 Signature on Returns
	  	 	15	  
	 SECTION 5.4
	 	 Accounting and Reports to Certificateholders, the Internal Revenue Service and Others
	  	 	15	  


  

					
		 	-i-	 	 Amended and Restated
 Trust Agreement (2013-A)











 TABLE OF CONTENTS 

(continued) 
  


							
	 	 	 	  	Page	 
			
	 SECTION 5.5
	 	 Method of Payment
	  	 	16	  
	 SECTION 5.6
	 	 Certificate Distribution Account
	  	 	16	  
	 SECTION 5.7
	 	 No Reinvestment
	  	 	16	  
			
	 ARTICLE VI
	 	 AUTHORITY AND DUTIES OF OWNER TRUSTEE
	  	 	16	  
			
	 SECTION 6.1
	 	 General Authority
	  	 	16	  
	 SECTION 6.2
	 	 General Duties
	  	 	17	  
	 SECTION 6.3
	 	 Action upon Instruction
	  	 	17	  
	 SECTION 6.4
	 	 No Duties Except as Specified in this Agreement or in Instructions
	  	 	18	  
	 SECTION 6.5
	 	 No Action Except under Specified Documents or Instructions
	  	 	18	  
	 SECTION 6.6
	 	 Restrictions
	  	 	19	  
	 SECTION 6.7
	 	 Relevant Trustee
	  	 	19	  
	 SECTION 6.8
	 	 Reporting
	  	 	19	  
			
	 ARTICLE VII
	 	 CONCERNING OWNER TRUSTEE
	  	 	19	  
			
	 SECTION 7.1
	 	 Acceptance of Trusts and Duties
	  	 	19	  
	 SECTION 7.2
	 	 Preservation of Information; Communications to Certificateholders
	  	 	20	  
	 SECTION 7.3
	 	 Statements to Certificateholders
	  	 	20	  
	 SECTION 7.4
	 	 Notice of Events of Default
	  	 	21	  
	 SECTION 7.5
	 	 Representations and Warranties
	  	 	21	  
	 SECTION 7.6
	 	 Reliance; Advice of Counsel
	  	 	22	  
	 SECTION 7.7
	 	 Not Acting in Individual Capacity
	  	 	22	  
	 SECTION 7.8
	 	 The Owner Trustee May Own Notes
	  	 	23	  
	 SECTION 7.9
	 	 Rule 144A Information
	  	 	23	  
			
	 ARTICLE VIII
	 	 COMPENSATION AND INDEMNIFICATION OF OWNER TRUSTEE
	  	 	23	  
			
	 SECTION 8.1
	 	 The Owner Trustee’s Compensation
	  	 	23	  
	 SECTION 8.2
	 	 Indemnification
	  	 	23	  
	 SECTION 8.3
	 	 Payments to the Owner Trustee
	  	 	24	  
	 SECTION 8.4
	 	 Rights, Protections, Immunities and Indemnities of the Certificate Paying Agent Relevant Trustee and Paying
Agent
	  	 	24	  
			
	 ARTICLE IX
	 	 TERMINATION OF TRUST AGREEMENT
	  	 	24	  
			
	 SECTION 9.1
	 	 Termination of Trust Agreement
	  	 	24	  
	 SECTION 9.2
	 	 Dissolution of the Issuer
	  	 	25	  
	 SECTION 9.3
	 	 Limitations on Termination
	  	 	26	  


  

					
		 	-ii-	 	 Amended and Restated
 Trust Agreement (2013-A)











 TABLE OF CONTENTS 

(continued) 
  


							
	 	 	 	  	Page	 
			
	 ARTICLE X
	 	 SUCCESSOR OWNER TRUSTEES AND ADDITIONAL OWNER TRUSTEES
	  	 	26	  
			
	 SECTION 10.1
	 	 Eligibility Requirements for the Owner Trustee
	  	 	26	  
	 SECTION 10.2
	 	 Resignation or Removal of the Owner Trustee
	  	 	26	  
	 SECTION 10.3
	 	 Successor Owner Trustee
	  	 	27	  
	 SECTION 10.4
	 	 Merger or Consolidation of the Owner Trustee
	  	 	27	  
	 SECTION 10.5
	 	 Appointment of Co-Trustee or Separate Trustee
	  	 	28	  
			
	 ARTICLE XI
	 	 MISCELLANEOUS
	  	 	29	  
			
	 SECTION 11.1
	 	 Amendments
	  	 	29	  
	 SECTION 11.2
	 	 No Legal Title to Trust Estate in Certificateholders
	  	 	31	  
	 SECTION 11.3
	 	 Limitations on Rights of Others
	  	 	31	  
	 SECTION 11.4
	 	 Notices
	  	 	31	  
	 SECTION 11.5
	 	 Severability
	  	 	31	  
	 SECTION 11.6
	 	 Separate Counterparts
	  	 	31	  
	 SECTION 11.7
	 	 Successors and Assigns
	  	 	31	  
	 SECTION 11.8
	 	 No Petition
	  	 	32	  
	 SECTION 11.9
	 	 Headings
	  	 	33	  
	 SECTION 11.10
	 	 Governing Law
	  	 	33	  
	 SECTION 11.11
	 	 Waiver of Jury Trial
	  	 	33	  
	 SECTION 11.12
	 	 Information Requests
	  	 	33	  
	 SECTION 11.13
	 	 Form 10-D and Form 10-K Filings
	  	 	34	  
	 SECTION 11.14
	 	 Form 8-K Filings
	  	 	34	  
	 SECTION 11.15
	 	 Information to Be Provided by the Owner Trustee
	  	 	34	  

  

			
	Exhibit A	  	Form of Certificate
	Exhibit B	  	Form of Certificate Investor Representation Letter
	Exhibit C	  	Form of Notice Requests to Repurchase Receivables
	Exhibit D	  	Form of Registration of Certificate Transfer Direction Letter Pursuant to the Trust Agreement
	Exhibit E	  	Form of Owner Trustee’s Annual Certification Regarding Item 1117 and Item 1119 of Regulation AB


  

					
		 	-iii-	 	 Amended and Restated
 Trust Agreement (2013-A)










 This AMENDED AND RESTATED TRUST AGREEMENT is made as of March 28, 2013
(as amended, supplemented or otherwise modified and in effect from time to time, this “Agreement”) between FIFTH THIRD HOLDINGS FUNDING, LLC, a Delaware limited liability company, as the depositor (the
“Depositor”), and WILMINGTON TRUST, NATIONAL ASSOCIATION, a national banking association, as the owner trustee (in such capacity, the “Owner Trustee”). 

RECITALS 

WHEREAS, the Depositor and the Owner Trustee entered into that certain Trust Agreement, dated as of February 26, 2013 (the
“Original Trust Agreement”) and filed a certificate of trust with the Secretary of State of the State of Delaware, pursuant to which the Issuer (as defined below) was created; and 

WHEREAS, in connection with the issuance of the Notes, the parties have agreed to amend and restate the Original Trust Agreement;

 NOW THEREFORE, in consideration of the mutual agreements herein contained, and of other good and valuable consideration, the
receipt and adequacy of which are hereby acknowledged, the parties agree as follows: 
 ARTICLE I 

DEFINITIONS 
 SECTION 1.1 Capitalized Terms. Unless otherwise indicated, capitalized terms used in this Agreement 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 the Issuer and the Depositor, which contains rules as to usage that are applicable herein. 

SECTION 1.2 Other Interpretive Provisions. All terms defined in this Agreement shall have the defined meanings when used in any
certificate or other document delivered pursuant hereto unless otherwise defined therein. For purposes of this Agreement and all such certificates and other documents, 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 State of Delaware 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 or Exhibit
are references to Articles, Sections, Schedules 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 such variations thereof means “including without limitation”; (f) references to any law or regulation refer to that law or regulation as


  

					
		  		  	 Amended and Restated
 Trust Agreement (2013-A)










 
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. 
 ARTICLE II

 ORGANIZATION 
 SECTION 2.1 Name. The trust created under the Original Trust Agreement and continued hereby shall be known as “Fifth Third Auto Trust 2013-A” (the “Issuer”), in which
name the Owner Trustee may conduct the business of such trust, make and execute contracts and other instruments on behalf of such trust and sue and be sued. 
 SECTION 2.2 Office. The office of the Issuer shall be in care of the Owner Trustee at the applicable Corporate Trust Office or at such other address as the Owner Trustee may designate by written
notice to each Certificateholder, the Depositor and the Administrator. 
 SECTION 2.3 Purposes and Powers. The purpose of
the Issuer is, and the Issuer shall have the power and authority, to engage in the following activities: 
 (a)
to issue the Notes pursuant to the Indenture and to issue the Certificates pursuant to this Agreement, and to sell, transfer and exchange the Notes and the Certificates and to pay interest on and principal of the Notes to the Noteholders and to make
distributions to the Certificateholders; 
 (b) to acquire the property and assets set forth in the Sale
Agreement from the Depositor pursuant to the terms thereof, to make deposits to and withdrawals from the Collection Account, the Principal Distribution Account, the Certificate Distribution Account and the Reserve Account and to pay the
organizational, start-up and transactional expenses of the Issuer; 
 (c) to assign, Grant, transfer, pledge,
mortgage and convey the Trust Estate pursuant to the Indenture and to hold, manage and distribute to the Certificateholders any portion of the Trust Estate released from the lien of, and remitted to the Issuer pursuant to, the Indenture; 

(d) to enter into and perform its obligations under the Transaction Documents to which it is a party; 

(e) to engage in those activities, including entering into agreements, that are necessary, suitable or convenient to
accomplish the foregoing or are incidental thereto or connected therewith; and 
 (f) subject to compliance with
the Transaction Documents, to engage in such other activities as may be required in connection with conservation of the 

  

					
		 	2	 	 Amended and Restated
 Trust Agreement (2013-A)










 
Trust Estate and the making of distributions to the Certificateholders and the Noteholders. 
 The Owner Trustee is hereby authorized to engage in the foregoing activities on behalf of the Issuer. Neither the Issuer nor the Owner Trustee on behalf of the Issuer shall engage in any activity other
than in connection with the foregoing or other than as required or authorized by the terms of this Agreement or the other Transaction Documents. 
 SECTION 2.4 Appointment of the Owner Trustee. The Depositor hereby appoints the Owner Trustee as trustee of the Issuer effective as of the date hereof, to have all the rights, powers and duties set
forth herein. 
 SECTION 2.5 Initial Capital Contribution of Trust Estate. As of the date of the Original Trust
Agreement, the Depositor sold, assigned, transferred, conveyed and set over to the Owner Trustee the sum of $1. The Owner Trustee hereby acknowledges receipt in trust from the Depositor, as of such date, of the foregoing contribution, which shall
constitute the initial Trust Estate. 
 SECTION 2.6 Declaration of Trust. The Owner Trustee hereby declares that it will
hold the Trust Estate in trust upon and subject to the conditions set forth herein for the use and benefit of the Certificateholders, subject to the obligations of the Issuer under the Transaction Documents. It is the intention of the parties hereto
that the Issuer constitute a statutory trust under the Statutory Trust Act and that (i) this Agreement constitute the governing instrument of such statutory trust and (ii) for United States federal, state and local income, franchise and
value added tax purposes, the Issuer shall be treated as a grantor trust of the type described in Treasury Regulation section 301.7701-4(c), with the assets of the Issuer constituting the Receivables and other assets held by the Issuer, and the
Notes constituting non-recourse debt of the Certificateholder(s), provided that if it is successfully asserted by the appropriate tax authorities that the Issuer is not properly characterized as a grantor trust of the type described in Treasury
Regulation section 301.7701-4(c), the Issuer shall be treated, for United States federal, state and local income, franchise and value added tax purposes, as (A) a disregarded entity if there is only one beneficial owner of the Certificates and
any Notes that are treated as equity in the Issuer, or (B) a partnership (other than an association or publicly traded partnership taxable as a corporation) if there is more than one beneficial owner of the Certificates and any Notes that are
treated as equity in the Issuer, with the assets of the partnership being the Receivables and other assets held by the Issuer, the partners of the partnership being the Certificateholders and the holders of the Notes that are treated as equity in
the Issuer, and the remaining Notes constituting indebtedness of the partnership. The parties hereto and each Certificateholder, by acceptance of a Certificate, agree to treat the Issuer in accordance with the intention that the Issuer be
characterized as a grantor trust of the type described in Treasury Regulation section 301.7701-4(c) and, unless otherwise required by appropriate taxing authorities or by law, not to take any action or, direct any other party to take any action,
inconsistent therewith, including, but not limited to, modifying, or directing any other party to modify, the terms of a Receivable unless the modification is a Permitted Modification. The provisions of this Trust Agreement shall be interpreted
consistent with and to further this intention of the parties. The parties agree that, unless otherwise required by appropriate tax authorities, the Issuer will file or cause to be filed 

  

					
		 	3	 	 Amended and Restated
 Trust Agreement (2013-A)










 
annual or other necessary tax returns, reports and other forms consistent with the foregoing characterization of the Issuer for United States federal, state and local income, franchise and value
added tax purposes. No election will be made by or on behalf of the Issuer to be classified as an association taxable as a corporation for United States federal income tax purposes. Effective as of the date hereof, the Owner Trustee shall have all
rights, powers and duties set forth herein and, to the extent not inconsistent herewith, in the Statutory Trust Act with respect to accomplishing the purposes of the Issuer. The Owner Trustee filed the Certificate of Trust with the Secretary of
State of the State of Delaware as required by Section 3810(a) of the Statutory Trust Act, such filing hereby being ratified and approved in all respects. Notwithstanding anything herein or in the Statutory Trust Act to the contrary, it is the
intention of the parties hereto that the Issuer constitute a “business trust” within the meaning of Section 101(9)(A)(v) of the Bankruptcy Code. 
 SECTION 2.7 Organizational Expenses; Liabilities of the Holders. 
 (a) The Servicer shall pay organizational expenses of the Issuer as they may arise. 
 (b) No Certificateholder (including the Depositor) shall have any personal liability for any liability or obligation of the Issuer. 

SECTION 2.8 Title to the Trust Estate. Legal title to all the Trust Estate shall be vested at all times in the Issuer as a
separate legal entity. 
 SECTION 2.9 Representations and Warranties of the Depositor. The Depositor hereby represents
and warrants to the Owner Trustee that: 
 (a) Existence and Power. The Depositor is a limited liability
company validly existing and in good standing under the laws of the State of Delaware and has, in all material respects, all power and authority required to carry on its business as now conducted. The Depositor 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 Depositor to perform its obligations under the Transaction Documents. 

(b) Authorization and No Contravention. The execution, delivery and performance by the Depositor of each
Transaction Document to which it is a party (i) have been duly authorized by all necessary action on the part of the Depositor and (ii) do not contravene or constitute a default under (A) any applicable law, rule or regulation,
(B) its organizational instruments or (C) any material agreement, contract, order or other instrument to which it is a party or its property is subject (other than violations of such laws, rules, regulations, indenture 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 Depositor’s ability to perform its
obligations under, the Transaction Documents to which it is a party). 

  

					
		 	4	 	 Amended and Restated
 Trust Agreement (2013-A)










 (c) No Consent Required. No approval, authorization or other action
by, or filing with, any Governmental Authority is required in connection with the execution, delivery and performance by the Depositor of any Transaction Document other than (i) UCC filings, (ii) approvals and authorizations that have
previously been obtained and filings which 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 ability of the Depositor to perform its
obligations under the Transaction Documents to which it is a party. 
 (d) Binding Effect. Each
Transaction Document to which the Depositor is a party constitutes the legal, valid and binding obligation of the Depositor enforceable against the Depositor 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’ 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 or other similar laws of general application relating to or affecting the enforcement of creditors’ rights generally and subject to general principles of equity. 

(e) No Proceedings. There is no action, suit, Proceeding or investigation pending or, to the knowledge of the
Depositor, threatened against the Depositor which, either in any one instance or in the aggregate, would result in any material adverse change in the business, operations, financial condition, properties or assets of the Depositor, or in any
material impairment of the right or ability of the Depositor to carry on its business substantially as now conducted, or in any material liability on the part of the Depositor, or which would render invalid this Agreement or the Receivables or the
obligations of the Depositor contemplated herein, or which would materially impair the ability of the Depositor to perform under the terms of this Agreement or any other Transaction Document. 

(f) Situs of Issuer. The Issuer shall be located in the State of Delaware (it being understood that the Issuer may
have bank accounts located and maintained outside of Delaware). 
 ARTICLE III 

CERTIFICATES AND TRANSFER OF CERTIFICATES 
 SECTION 3.1 Initial Ownership. Upon the formation of the Issuer and until the issuance of the Certificates, the Depositor shall be the sole beneficiary of the Issuer; and upon the issuance of the
initial Certificate, the Depositor will no longer be a beneficiary of the Issuer, except to the extent that the Depositor is a Certificateholder. 

  

					
		 	5	 	 Amended and Restated
 Trust Agreement (2013-A)










 SECTION 3.2 Authentication of Certificates. (a) Concurrently with the sale of
the Transferred Assets to the Issuer pursuant to the Sale Agreement, the Owner Trustee shall cause the initial Certificate to be executed on behalf of the Issuer, authenticated and delivered to or upon the written order of the Depositor, signed by
its chairman of the board, its president, its chief financial officer, its chief accounting officer, any vice president, its secretary, any assistant secretary, its treasurer or any assistant treasurer, without further corporate action by the
Depositor. 
 (b) The Certificates shall represent 100% of the beneficial interest in the Issuer and shall, to
the fullest extent permitted by applicable law, be fully paid and nonassessable. 
 SECTION 3.3 Form of the Certificates.
The initial Certificate, upon issuance, will be a typewritten, definitive Certificate, substantially in the form of Exhibit A hereto and shall be registered in the name of Fifth Third Holdings Funding, LLC or its nominee as the initial
registered owner thereof. 
 SECTION 3.4 Registration of Certificates. The Owner Trustee, in its capacity as
“Certificate Registrar” shall maintain at its office referred to in Section 2.2, or at the office of any agent appointed by it and approved in writing by the Certificateholders at the time of such appointment, a register (the
“Certificate Register”) for the registration and transfer of any Certificate, and the Owner Trustee or such agent shall promptly notify the Indenture Trustee of any change in the registered ownership of a Certificate. Prior to the
presentment for registration of transfer of any Certificate, the Owner Trustee and the Indenture Trustee or any agent of the Owner Trustee, the Indenture Trustee and the Depositor may treat the Person in whose name any Certificate is registered (as
of the applicable Record Date) as the owner of such Certificate for the purpose of receiving distributions on such Certificate and for all other purposes whatsoever and unless the Certificate Register is notified of such change in ownership the only
available recourse such transferee shall have shall be to the person in whose name the related Certificate is registered. For the avoidance of doubt, the records maintained by the Owner Trustee in the Certificate Register with respect to each
Certificate and its related registered owner are intended to cause the Certificates to be issued in registered form, within the meaning of Treasury Regulation section 5f.103-1(c), and shall record (a) the Percentage Interest in all of the
assets of and the right to distributions from, the Issuer evidenced by each Certificate and (b) all distributions made to each Certificateholder with respect to the Issuer’s assets. 

SECTION 3.5 Transfer of Certificates. (a) Any Certificateholder may assign, convey or otherwise transfer all or any of its
right, title and interest in the related Certificate; provided, that: 
 (i) (a) such transferee is either
an Affiliate of the Depositor or (b) (1) is a Qualified Institutional Buyer, (2) is aware that the sale of the Certificates to it is being made in reliance on the exemption from registration provided by Rule 144A, and (3) is
acquiring the Certificates 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 or for resale pursuant to Rule 144A; 

  

					
		 	6	 	 Amended and Restated
 Trust Agreement (2013-A)










 (ii) such transferee understands that the Certificates will bear the
applicable legends set forth in Section 3.5(g); 
 (iii) such transferee understands that the
Certificates 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 Certificates 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 Certificates, such Certificates may only be offered, resold, pledged or otherwise transferred in accordance with this Agreement and the applicable legend on such
Certificates set forth below; 
 (iv) such transferee understands that an investment in the Certificates 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 Certificates as it deemed
necessary or appropriate in order to make an informed investment decision with respect to its purchase of the Certificates. The transferee has such knowledge and experience in financial and business matters that the transferee is capable of
evaluating the merits and risks of its investment in the Certificates, and the transferee and any accounts for which it is acting are each able to bear the economic risk of the holder’s or of its investment; 

(v) such transferee will not offer, transfer, pledge, sell or otherwise dispose of the Certificates or any interest in the
Certificates to any Person in any manner, or solicit any offer to buy, transfer, pledge or otherwise dispose of the Certificates or any interest in the Certificates from any Person in any manner, or make any general solicitation by means of general
advertising or in any other manner, or take any other action that would constitute a distribution of the Certificates under the Securities Act or that would render the disposition of the Certificates a violation of Section 5 of the Securities
Act or any other applicable securities laws or require registration pursuant thereto, and will not authorize any Person to act on its behalf, in such manner with respect to the Certificates; 

(vi) the Owner Trustee and the Issuer determine (based on the advice of counsel or such other information as they deem
necessary or advisable) that the transfer complies with the requirements of clauses (d) and (e) of this Section 3.5; 
 (vii) such Certificate may not be acquired by or for the account of or with the assets of a Benefit Plan or a governmental, church, non-U.S. or other plan which is subject to any Similar Law; 

(viii) the transferee provides a Certificate Investor Representation Letter substantially in the form of Exhibit B;
and 
 (ix) such transferee acknowledges that the Issuer, the Owner Trustee, the Placement Agent and others will
rely upon the truth and accuracy of the 

  

					
		 	7	 	 Amended and Restated
 Trust Agreement (2013-A)










 
acknowledgements, representations, warranties and agreements in this Section 3.5 and agrees that if any of the acknowledgements, representations, warranties or agreements made by it
in connection with its purchase of the Certificates are no longer accurate, the transferee will promptly notify the Issuer, the Owner Trustee and the Placement Agent. 
 Each Certificateholder will represent and warrant that it is not (and will not be) a Benefit Plan or a governmental, church, non-U.S. or other plan which is subject to any Similar Law and is not (and will
not be) accepting or holding such Certificate (or any interest therein) on behalf of or with assets of a Benefit Plan or a governmental, non-U.S. or church plan which is subject to Similar Law. The Owner Trustee shall have no duty to independently
determine that the requirement in (vi) above is met and shall incur no liability to any Person in the event the Certificateholder does not comply with such restrictions. Subject to the transfer restrictions contained herein and in the
Certificates, any Certificateholder may transfer all or any portion of the Percentage Interest evidenced by such Certificate upon surrender thereof to the Owner Trustee accompanied by the documents required by this Section. Such transfer may be made
by a registered Certificateholder in person or by his attorney duly authorized in writing upon surrender of the Certificate to the Owner Trustee accompanied by (a) a written instrument of transfer in the form of the “Assignment”
attached to the Form of Certificate attached hereto as Exhibit A and with such signature guarantees and evidence of authority of the Persons signing the instrument of transfer as the Owner Trustee may reasonably require; provided,
however, that the Owner Trustee shall not require the signature of the Depositor to be medallion guaranteed for the transfers from the Depositor to the applicable transferees on the date hereof, (b) an executed direction letter regarding
registration of such transfer in the form attached hereto as Exhibit D, and (c) the documents required by Sections 3.5(a)(viii) and 3.5(e) hereof. Promptly upon the receipt of such documents and receipt by the Owner Trustee
of the transferor’s Certificate, the Owner Trustee shall record the name of such transferee as a Certificateholder and its Percentage Interest in the Certificate Register and issue, execute and deliver to such Certificateholder a Certificate
evidencing such Percentage Interest. In the event a transferor transfers only a portion of its Percentage Interest, the Owner Trustee shall register and issue to such transferor a new Certificate evidencing such transferor’s new Percentage
Interest and shall issue, execute and deliver to such transferee a new Certificate evidencing such transferee’s Percentage Interest. Subsequent to each transfer of beneficial interest and upon the issuance of the new Certificate or
Certificates, the Owner Trustee shall cancel and destroy the Certificate surrendered to it in connection with such transfer. The Owner Trustee may treat, for all purposes whatsoever (other than for purposes of clauses (d) and
(e) of this Section 3.5), the Person in whose name any Certificate is registered as the sole owner of the Percentage Interest evidenced by such Certificate. 

(b) As a condition precedent to any registration of transfer under this Section 3.5, the Owner Trustee may require the
payment of a sum sufficient to cover the payment of any tax or taxes or other governmental charges required to be paid in connection with such transfer. 
 (c) The Owner Trustee shall not be obligated to register any transfer of a Certificate unless the transferee has certified to the Owner Trustee that such transfer does not


  

					
		 	8	 	 Amended and Restated
 Trust Agreement (2013-A)










 
violate any of the transfer restrictions stated herein including, but not limited to clauses (d) and (e) of this Section 3.5. The Owner Trustee shall not be
liable to any Person for registering any transfer based on such certifications. 
 (d) No transfer shall be permitted if such
transfer is effected through an established securities market or secondary market (or the substantial equivalent thereof) within the meaning of Code section 7704 and any proposed, temporary or final Treasury regulations thereunder. 

(e) Each registered owner of and, if different, each owner of a beneficial interest in, a Certificate that is a “United States
person” (as defined in Code section 7701(a)(30)) shall deliver to the Owner Trustee, the Administrator and the Certificate Paying Agent two properly completed and duly executed originals of U.S. Internal Revenue Service Form W-9 (or applicable
successor form) certifying that it is not subject to backup withholding. Each registered owner of and, if different, each owner of a beneficial interest in, a Certificate that is not a “United States person” shall deliver to the Owner
Trustee, the Administrator and the Certificate Paying Agent two properly completed and duly executed originals of U.S. Internal Revenue Service Form W-8BEN (Certification of Foreign Status as Beneficial Owner), IRS Form W-8IMY (Certification of
Foreign Intermediary Status) or IRS Form W-8ECI (Certification of Foreign Person’s Claim for Exemption from Withholding on Income Effectively Connected with Conduct of a U.S. Trade or Business), or any successors to such IRS forms (i) to
permit the Owner Trustee, the Administrator and the Certificate Paying Agent to make payments to the purchaser without, or at a reduced rate of, withholding, (ii) to enable the Issuer to qualify for a reduced rate of withholding in any
jurisdiction from or through which the Issuer receives payments on its assets, or (iii) to enable the Owner Trustee, the Administrator and the Certificate Paying Agent to satisfy any reporting or other obligations under any applicable tax law,
and will update or replace such form, certification or other information as necessary in accordance with its terms or its subsequent amendments. 
 The applicable Internal Revenue Service forms required to be delivered, as described above, shall be delivered on or prior to the date on which a Certificateholder becomes a Certificateholder under this
Agreement and from time to time thereafter as prescribed by applicable law or upon the request of the Certificate Paying Agent. 

In addition, each registered owner of and, if different, each owner of a beneficial interest in, a Certificate that is not a “United
States person” within the meaning of section 7701(a)(30) of the Code, shall submit a statement certifying that it is not a “controlled foreign corporation” that is related to the Issuer, within the meaning of section 881(c)(3)(C) of
the Code. 
 Each purchaser, beneficial owner and subsequent transferee of a Certificate or an interest therein shall provide to
the Issuer and the Owner Trustee, on or prior to, and after, the date of its acquisition of a Certificate or beneficial interest, any information requested by the Issuer and the Owner Trustee as is necessary (as determined in the sole discretion of
the Issuer or the Owner Trustee, as applicable) for the Issuer and the Owner Trustee to determine the obligations of any party under this Agreement pursuant to Code sections 1471-1474 (the “FATCA Provisions”), including whether such
purchaser, beneficial owner or transferee is a U.S. Person or a non-U.S. 

  

					
		 	9	 	 Amended and Restated
 Trust Agreement (2013-A)










 
person, and if such purchaser, beneficial owner or transferee is a non-U.S. person whether it is a foreign financial institution (“FFI”) as defined in Code section 1471(d)(4) or
a non-financial foreign entity as defined in Code section 1472(d) (“non-FFI”). 
 If a purchaser, beneficial
owner or transferee of a Certificate is, or would be, a FFI, such FFI shall represent (or shall be deemed by acceptance of its Certificate or interest therein to represent) to the Issuer and Owner Trustee that it has met (or will meet as soon as
applicable guidance is issued by the IRS) the reporting requirements of Code section 1471(b) (“FFI Reporting Obligations”), and such FFI shall further represent and agree that it shall continue to meet its FFI Reporting Obligations
and has not made (and will not make) the election to be withheld upon pursuant to Code section 1471(b)(3). If a purchaser, beneficial owner or transferee of a Certificate is, or would be, a non-FFI such non-FFI shall, when applicable law
requires a non-FFI to meet the reporting requirements of Code section 1472(b) either (i) represent (or shall be deemed by acceptance of its Certificate or interest therein to represent) to the Issuer and Owner Trustee that it does not have (or
will not have as soon as applicable guidance is issued by the U.S. Internal Revenue Service) any substantial United States owners within the meaning of Code section 1472(b)(1)(A) or (ii) provide to the Issuer and Owner Trustee the name,
address, and taxpayer identification number of each of its substantial United States owners and any other information required by Code section 1472. 
 Each purchaser, beneficial owner and subsequent transferee of Certificates or an interest therein will be required or deemed to acknowledge that the Issuer may provide such information and any other
information concerning its investment in the Certificates to the U.S. Internal Revenue Service. In addition, each purchaser, beneficial owner and subsequent transferee of Certificates or an interest therein will be required or deemed to understand
and acknowledge that the Issuer has the right, hereunder, to withhold on any beneficial owner of an interest in a Certificate that fails to comply with the foregoing requirements. 

(f) If a Responsible Officer of Owner Trustee becomes aware that (1) a transfer or attempted or purported transfer of any
Certificate or interest therein was consummated in compliance with the provisions of this Section 3.5 on the basis of a materially incorrect certification from the transferor or purported transferee, (2) a transferee failed to deliver to
the Owner Trustee the certificate required to be delivered under Section 3.5(a)(viii) or (3) the Certificateholder of any Certificate or interest therein is in material breach of any representation or agreement set forth in any certificate
or any deemed representation or agreement of such Certificateholder, the Owner Trustee will direct the Certificate Registrar not to register such attempted or purported transfer and, if a transfer has been registered, such transfer shall be
absolutely null and void ab initio and shall not operate to transfer any rights to the purported transferee (such purported transferee, a “Disqualified Transferee”) and the last preceding Certificateholder of such Certificateholder that
was not a Disqualified Transferee shall be restored to all rights as a Certificateholder thereof retroactively to the date of the purported transfer of such Certificate by such Certificateholder. 

(g) Each Certificate will bear a legend to the following effect: 

  

					
		 	10	 	 Amended and Restated
 Trust Agreement (2013-A)










 “THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED
(THE “SECURITIES ACT”) OR ANY OTHER APPLICABLE SECURITIES OR “BLUE SKY” LAWS OF ANY STATE OR OTHER JURISDICTION. THE HOLDER HEREOF, BY PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE MAY BE RESOLD, ASSIGNED, PLEDGED OR
OTHERWISE TRANSFERRED ONLY IN COMPLIANCE WITH THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT OR ANY OTHER APPLICABLE SECURITIES OR “BLUE SKY” LAWS AND ONLY PURSUANT TO RULE 144A UNDER THE SECURITIES ACT (“RULE 144A”) TO A
PERSON THAT THE HOLDER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A “QIB”), PURCHASING FOR ITS OWN ACCOUNT OR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED THAT THE REOFFER, RESALE OR OTHER
TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A.” 
 SECTION 3.6 Lost, Stolen, Mutilated or Destroyed Certificates.
If (i) any mutilated Certificate is surrendered to the Owner Trustee, or (ii) the Owner Trustee receives evidence to its satisfaction that any Certificate has been destroyed, lost or stolen, and upon proof of ownership satisfactory to the
Owner Trustee together with such security or indemnity on behalf of the Issuer as may be requested by the Owner Trustee to save it harmless, then, in the absence of notice to the Owner Trustee that such Certificate has been acquired by a protected
purchaser, the Owner Trustee shall execute and deliver a new Certificate for the same Percentage Interest in the Issuer as the Certificate so mutilated, destroyed, lost or stolen, of like tenor and bearing a different issue number, with such
notations, if any, as the Owner Trustee shall determine. Upon the issuance of any new Certificate under this Section 3.6, the Issuer or Owner Trustee may require the payment of a sum sufficient to cover any tax or other governmental
charge that may be imposed in connection with any transfer or exchange of the Certificate and any other reasonable expenses (including the reasonable fees and expenses of the Issuer and the Owner Trustee) connected therewith. If, after the delivery
of such new Certificate a protected purchaser of the original Certificate in lieu of which such new Certificate was issued presents such original Certificate for transfer or payment, the Issuer and Owner Trustee shall be entitled to recover such new
Certificate from the Person to whom it was delivered or any Person taking title therefrom, except a protected purchaser, and the Issuer and Owner Trustee shall be entitled to recover upon the security or indemnity provided therefor to the extent of
any loss, damage, cost or expense incurred by the Issuer and Owner Trustee, in connection therewith. Any duplicate Certificate issued pursuant to this Section 3.6 shall constitute complete and indefeasible evidence of ownership in the
Issuer, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time. The provisions of this Section 3.6 are exclusive and shall preclude (to the extent lawful) all other rights and remedies with
respect to the replacement or payment of mutilated, defaced, destroyed, lost or stolen Certificates. 
 SECTION 3.7
Appointment of the Certificate Paying Agent. The Certificate Paying Agent shall make distributions to Certificateholders from the Certificate Distribution Account pursuant to Section 5.5 and shall report the amounts of such
distributions to the Owner Trustee and the Servicer. Any Certificate Paying Agent shall have the revocable power to withdraw funds from the Certificate Distribution Account for the purpose of making the distributions referred to above. The Owner
Trustee may revoke such power and remove the Certificate 

  

					
		 	11	 	 Amended and Restated
 Trust Agreement (2013-A)










 
Paying Agent if the Owner Trustee determines in its sole discretion that the Certificate Paying Agent shall have failed to perform its obligations under this Agreement in any material respect.
The Certificate Paying Agent shall initially be Wilmington Trust, National Association, and any co-paying agent chosen by the Certificate Paying Agent. Wilmington Trust, National Association shall be permitted to resign as Certificate Paying Agent
upon thirty (30) days’ written notice to the Owner Trustee. If Wilmington Trust, National Association shall no longer be the Certificate Paying Agent, the Administrator shall appoint a successor to act as Certificate Paying Agent (which
shall be a bank or a trust company). The Administrator shall cause such successor Certificate Paying Agent or any additional Certificate Paying Agent appointed by the Administrator to execute and deliver to the Owner Trustee a written agreement in
which such successor Certificate Paying Agent or additional Certificate Paying Agent shall agree with the Owner Trustee that, as Certificate Paying Agent, such successor Certificate Paying Agent or additional Certificate Paying Agent shall hold all
sums, if any, held by it for payment to the Certificateholders in trust for the benefit of the Certificateholders entitled thereto until such sums shall be paid to such Certificateholders. Subject to applicable laws, with respect to the escheat of
funds, the Certificate Paying Agent shall return all funds that have remained unclaimed by a Certificateholder for two years to the Owner Trustee. Immediately upon its removal, a Certificate Paying Agent shall return all funds (including any
unclaimed funds) in its possession to the Owner Trustee. The rights, protections and indemnities of the Owner Trustee under Article VII and Section 8.2 and 9.2 of this Agreement shall apply to the Owner Trustee also in its
role as Certificate Paying Agent for so long as the Owner Trustee shall act as Certificate Paying Agent and, to the extent applicable, to any other paying agent appointed hereunder. Any reference in this Agreement to the Certificate Paying Agent
shall include any co-paying agent unless the context requires otherwise. 
 SECTION 3.8 Maintenance of Office or Agency.
As long as any of the Certificates remain Outstanding, the Issuer shall maintain at the applicable Corporate Trust Office, an office or agency where Certificates may be surrendered for registration of transfer or exchange, and where notices and
demands to or upon the Issuer in respect of the Certificates and this Agreement may be served. The Issuer hereby initially appoints the Owner Trustee to serve as its agent for the foregoing purposes. The Issuer shall give prompt written notice to
the Owner 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 Owner Trustee with the address thereof, such
surrenders, notices and demands may be made or served at the applicable Corporate Trust Office, and the Issuer hereby appoints the Owner Trustee as its agent to receive all such surrenders, notices and demands. 

ARTICLE IV 

ACTIONS BY OWNER TRUSTEE 
 SECTION 4.1 Prior Notice to Certificateholders with Respect to Certain Matters. With respect to the following matters, unless the Indenture, the Sale Agreement or the Servicing Agreement, as
applicable, provides that the consent of the Certificateholders shall not be required, the Owner Trustee shall not take action unless at least 30 days before the taking of such action (or such shorter notice acceptable to the
Certificateholders), the Owner Trustee shall have 

  

					
		 	12	 	 Amended and Restated
 Trust Agreement (2013-A)










 
notified each Certificateholder in writing of the proposed action and each Certificateholder shall not have notified the Owner Trustee in writing prior to the 30th day (or such shorter notice
acceptable to the Certificateholders) after such notice is given that such Certificateholder has withheld consent or provided alternative direction: 
 (a) the appointment pursuant to the Indenture of a successor Indenture Trustee; 
 (b) the appointment pursuant to the Servicing Agreement of a successor Servicer; or 
 (c) the consent to the assignment by the Note Registrar or the Indenture Trustee of its obligations under the Indenture or this Agreement. 

SECTION 4.2 Action by Certificateholders with Respect to Certain Matters. The Owner Trustee shall not have the power, except upon
the direction of the Majority Certificateholders, to (a) except as expressly provided in the Transaction Documents, sell the Collateral after the termination of the Indenture in accordance with its terms, (b) remove the Administrator under
the Administration Agreement pursuant to Section 8 thereof or (c) appoint a successor Administrator pursuant to Section 8 of the Administration Agreement. The Owner Trustee shall take the actions referred to in the
preceding sentence only upon written instructions signed by the Majority Certificateholders at the time of such action. 

SECTION 4.3 Action by Certificateholders with Respect to Bankruptcy. The Owner Trustee shall not have the power to commence a
voluntary Proceeding in bankruptcy relating to the Issuer until one year and one day after the Note Balance of all Notes has been reduced to zero without the prior written approval of each Certificateholder and the delivery to the Owner Trustee by
each Certificateholder of a certificate certifying that such Certificateholders reasonably believe that the Issuer is insolvent. 
 SECTION 4.4 Restrictions on Certificateholders’ Power. No Certificateholder shall direct the Owner Trustee to take or refrain from taking any action if such action or inaction would be
contrary to any obligation of the Issuer or the Owner Trustee under this Agreement or any of the Transaction Documents or would be contrary to Section 2.3, nor shall the Owner Trustee be obligated to follow any such direction, if given.

 SECTION 4.5 Acts of Certificateholders; Majority Control. (a) Any request, demand, authorization, direction,
notice, consent, waiver or other action provided by this Agreement to be given or taken by Certificateholders may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by such Certificateholders 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 Owner 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 “Act” of the Certificateholders 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 

  

					
		 	13	 	 Amended and Restated
 Trust Agreement (2013-A)










 
Agreement and (subject to Article VI) conclusive in favor of the Owner Trustee and the Issuer, if made in the manner provided in this Section. 

(b) The fact and date of the execution by any person of any such instrument or writing may be proved in any manner that the Owner Trustee
deems sufficient. 
 (c) The ownership of Certificates shall be proved by the Certificate Register. 

(d) Any request, demand, authorization, direction, notice, consent, waiver or other action by any Certificateholder shall bind the Holder
of every Certificate 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 Owner Trustee or the Issuer in reliance thereon, whether or not notation of such
action is made upon such Certificate. 
 (e) Except as otherwise provided herein, to the extent that there is more than one
Certificateholder, any action which may be taken or consent or instructions which may be given by the Certificateholder under this Agreement may be taken by the Majority Certificateholders at the time of such action. 

SECTION 4.6 Compliance with the FDIC Rule. The Owner Trustee shall (i) perform the covenants sets forth in Article XII of the
Indenture applicable to it and (ii) use reasonable efforts to comply with any request of the Depositor or the Servicer to facilitate compliance with Article XII of the Indenture by the Fifth Third Parties. 

ARTICLE V 

APPLICATION OF TRUST FUNDS; CERTAIN DUTIES 
 SECTION 5.1 Application of Trust Funds. Deposits into the Certificate Distribution Account shall be made in accordance with the provisions of the Indenture and this Agreement. On each Payment Date,
the Certificate Paying Agent shall withdraw from the Certificate Distribution Account and distribute to the Certificateholders, pro rata based on the Percentage Interest of each Certificateholder, all funds received in accordance with the provisions
of the Indenture and this Agreement. Subject to the lien of the Indenture, the Certificate Paying Agent shall promptly distribute to the Certificateholders all other amounts (if any) received by the Certificate Paying Agent on behalf of the Issuer
in respect of the Trust Estate (pro rata based on the Percentage Interest of each such Certificateholder). After the termination of the Indenture in accordance with its terms, the Certificate Paying Agent shall distribute all amounts received (if
any) by the Owner Trustee on behalf of the Issuer in respect of the Trust Estate in accordance with the provisions of this Agreement. If any withholding tax is imposed on any Issuer payment to, or is imposed on any allocable Issuer income of, a
Certificateholder, such tax shall reduce the amount otherwise distributable to the Certificateholder in accordance with this Section 5.1; provided that the Owner Trustee shall not have an obligation to withhold any such amount if
and for so long as the Depositor is the sole Certificateholder. The Owner Trustee is hereby authorized and directed to withhold from amounts otherwise allocable or distributable to the Certificateholders sufficient funds for the payment of any tax
that is legally owed by the Issuer 

  

					
		 	14	 	 Amended and Restated
 Trust Agreement (2013-A)










 
(but such authorization shall not prevent the Owner Trustee from contesting any such tax in appropriate proceedings and withholding payment of such tax, if permitted by law, pending the outcome
of such proceedings). The amount of any withholding tax imposed with respect to a Certificateholder shall be treated as cash distributed to such Certificateholder at the time it is withheld by the Issuer and remitted to the appropriate taxing
authority. If there is a possibility that withholding tax is payable with respect to a distribution or income allocation, the Owner Trustee may in its sole discretion withhold such amounts in accordance with this Section 5.1. If a
Certificateholder wishes to apply for a refund of any such withholding tax, the Owner Trustee shall reasonably cooperate with such Certificateholder in making such claim so long as such Certificateholder agrees to reimburse the Owner Trustee for any
out-of-pocket expenses incurred. 
 SECTION 5.2 Sarbanes-Oxley Act. Notwithstanding anything to the contrary herein or in
any Transaction Document, the Owner Trustee shall not be required to execute, deliver or certify in accordance with the provisions of the Sarbanes-Oxley Act on behalf of the Issuer or any other Person, any periodic reports filed pursuant to the
Exchange Act, or any other documents pursuant to the Sarbanes-Oxley Act. 
 SECTION 5.3 Signature on Returns. The Owner
Trustee shall prepare (or cause to be prepared) and shall sign, on behalf of the Issuer, the Issuer’s tax returns, if any, unless applicable law requires a Certificateholder to sign such documents. In the event that the Issuer is required to be
treated as a partnership for United States federal income tax purposes, the Certificateholder that is a United States Person within the meaning of Section 7701(a)(30) holding the largest Certificate Percentage Interest shall be designated the
“tax matters partner” of the Issuer pursuant to Code section 6231(a)(7)(A) of the Code and shall sign the tax return of the Issuer. In the event that two or more Certificateholders would be described in the preceding sentence then
Certificateholder with the alphabetically first name shall be so designated and in the event that no Certificateholder is a United States Person within the meaning of Section 7701(a)(30), the requirements of this Section 5.3 shall
be applied without regard to such consideration. 
 SECTION 5.4 Accounting and Reports to Certificateholders, the Internal
Revenue Service and Others. The Owner Trustee shall (a) maintain (or cause to be maintained) the books of the Issuer on a calendar year basis and the accrual method of accounting, (b) deliver (or cause to be delivered) to each
Certificateholder, as may be required by the Code and applicable Treasury Regulations, such information as may be required (including, if applicable, Schedule K-1) to enable each Certificateholder to prepare its federal and state income tax returns,
(c) prepare (or cause to be prepared), file (or cause to be filed) such tax returns relating to the Issuer (including, if applicable, a trust return IRS Form 1041, reporting for widely held fixed investment trusts under Treasury Regulations
Section 1.671-5, or a partnership information return, IRS Form 1065 if the Issuer is treated as a partnership for United States federal income tax purposes) and make such elections as from time to time may be required or appropriate under any
applicable state or federal statute or any rule or regulation thereunder so as to maintain the Issuer’s tax characterization as described in Section 2.6 hereof, (d) cause applicable tax returns to be signed in the manner
required by law and (e) collect or cause to be collected any withholding tax as described in and in accordance with Section 5.1 with respect to income or distributions to Certificateholders. 

  

					
		 	15	 	 Amended and Restated
 Trust Agreement (2013-A)










 SECTION 5.5 Method of Payment. Subject to the Indenture, distributions required to be
made to a Certificateholder on any Payment Date and all amounts received by the Issuer or the Owner Trustee on any other date that are payable to a Certificateholder pursuant to this Agreement or any other Transaction Document shall be made to such
Certificateholder by wire transfer, in immediately available funds, to the account of such Certificateholder designated by such Certificateholder to the Owner Trustee in writing. 

SECTION 5.6 Certificate Distribution Account. The Certificate Distribution Account shall be established pursuant to
Section 8.2 of the Indenture. The Certificateholders shall possess all right, title and interest in and to all funds on deposit from time to time in the Certificate Distribution Account and all proceeds thereof. Except as otherwise provided
herein or in the Indenture, the Certificate Distribution Account shall be under the sole dominion and control of the Certificate Paying Agent for the benefit of the Certificateholders. If, at any time, the Certificate Distribution Account ceases to
be an Eligible Account, the Owner Trustee (or the Servicer on behalf of the Owner Trustee, if the Certificate Distribution Account is not then held by the Owner Trustee or an Affiliate thereof) shall within ten (10) Business Days establish a
new Certificate Distribution Account as an Eligible Account and shall transfer any cash then on deposit in the Certificate Distribution Account to such new Certificate Distribution Account. 

SECTION 5.7 No Reinvestment. The Certificate Paying Agent shall distribute all amounts collected in respect of the assets of the
Issuer and neither the Certificate Paying Agent nor the Owner Trustee shall apply any such amounts toward the purchase of additional assets on behalf of the Issuer; provided, however, that such amounts may be invested in Permitted Investments but
only until the next Payment Date, when they shall be distributed. 
 ARTICLE VI  

AUTHORITY AND DUTIES OF OWNER TRUSTEE 
 SECTION 6.1 General Authority. The Owner Trustee is authorized and directed to execute and deliver the Transaction Documents to which the Issuer is named as a party, and each certificate or other
document attached as an exhibit to or contemplated by the Transaction Documents to which the Issuer or the Owner Trustee is named as a party and any amendment thereto, in each case, in such form as the Depositor shall approve, as evidenced
conclusively by the Owner Trustee’s execution thereof, and at the written direction of the Depositor, to execute on behalf of the Issuer and to direct the Indenture Trustee to authenticate and deliver Class A-1 Notes in the aggregate
principal amount of $114,000,000, Class A-2 Notes in the aggregate principal amount of $155,000,000, Class A-3 Notes in the aggregate principal amount of $157,000,000, Class A-4 Notes in the aggregate principal amount of $55,250,000,
Class B Notes in the aggregate principal amount of $10,000,000 and Class C Notes in the aggregate principal amount of $8,754,000. In addition to the foregoing, the Owner Trustee is authorized, but shall not be obligated, to take all actions required
of the Issuer pursuant to the Transaction Documents. The Owner Trustee is further authorized from time to time to take such action as the Depositor, the Administrator or a Majority of the Certificateholders recommends or directs in writing with
respect to the Transaction Documents, except to the extent that this Agreement expressly requires the consent of each Certificateholder for such action. 

  

					
		 	16	 	 Amended and Restated
 Trust Agreement (2013-A)










 SECTION 6.2 General Duties. It shall be the duty of the Owner Trustee to discharge
(or cause to be discharged) all of its responsibilities pursuant to the terms of this Agreement and the other Transaction Documents and to administer the Issuer in the interest of the Certificateholders, subject to Transaction Documents, and in
accordance with the provisions of this Agreement. Notwithstanding the foregoing, the Owner Trustee shall be deemed to have discharged its duties and responsibilities hereunder and under the Transaction Documents to the extent the Administrator has
agreed in the Administration Agreement to perform any act or to discharge any duty of the Issuer or the Owner Trustee hereunder or under any Transaction Document, and the Owner Trustee shall not be liable for the default or failure of the
Administrator to carry out its obligations under the Administration Agreement and shall have no duty to monitor the performance of the Administrator or any other Person under the Administration Agreement or any other document. The Owner Trustee
shall have no obligation to administer, service or collect the Receivables or to maintain, monitor or otherwise supervise the administration, servicing or collection of the Receivables. For the avoidance of doubt, the Owner Trustee shall not be
required to perform any of the obligations of the Issuer under any Transaction Document that are required to be performed by the Sponsor, the Servicer, the Depositor, the Administrator or the Indenture Trustee. 

SECTION 6.3 Action upon Instruction. (a) Subject to Article IV, and in accordance with the Transaction Documents, the
Certificateholders may, by written instruction, direct the Owner Trustee in the management of the Issuer. Such direction may be exercised at any time by written instruction of the Certificateholders pursuant to Article IV. 

(b) Subject to Section 7.1, the Owner Trustee shall not be required to take any action hereunder or under any
Transaction Document if the Owner Trustee shall have reasonably determined or been advised by counsel that such action is likely to result in liability on the part of the Owner Trustee or is contrary to the terms hereof or of any Transaction
Document or is otherwise contrary to law. 
 (c) Whenever the Owner Trustee is unable to decide between
alternative courses of action permitted or required by the terms of this Agreement or any Transaction Document or is unsure as to the application of any provision of this Agreement or any Transaction Document or any such provision is ambiguous as to
its application, or is, or appears to be, in conflict with any other applicable provision, or in the event that this Agreement permits any determination by the Owner Trustee or is silent or is incomplete as to the course of action that the Owner
Trustee is required to take with respect to a particular set of facts, the Owner Trustee shall promptly give notice (in such form as shall be appropriate under the circumstances) to the Certificateholders requesting instruction as to the course of
action to be adopted or application of such provision, and to the extent the Owner Trustee acts or refrains from acting in good faith in accordance with any written instruction of the Majority Certificateholders (or, if specifically required, all
Certificateholders) received, the Owner Trustee shall not be liable on account of such action or inaction to any Person. If the Owner Trustee shall not have received appropriate instruction within ten days of such notice (or within


  

					
		 	17	 	 Amended and Restated
 Trust Agreement (2013-A)










 
such shorter period of time as reasonably may be specified in such notice or may be necessary under the circumstances) it may, but shall be under no duty to, take or refrain from taking such
action, not inconsistent with this Agreement or the Transaction Documents, as it shall deem to be in the best interests of the Certificateholders, and shall have no liability to any Person for such action or inaction. 

(d) The Owner Trustee shall be under no obligation to exercise any of the rights or powers vested in it by this Agreement,
or to institute, conduct or defend any litigation, at the request, order or direction of any Certificateholder or any other Person, unless such Certificateholder or such Person has offered to the Owner Trustee security or indemnity satisfactory to
it against the costs, expenses and liabilities that may be incurred by the Owner Trustee (including, without limitation, the reasonable fees and expenses of its counsel) therein or thereby, including such advances as the Owner Trustee shall
reasonably request. 
 (e) The Owner Trustee shall not be personally liable for any distribution made in
accordance with the provisions set forth in Section 9.1(c). 
 SECTION 6.4 No Duties Except as Specified in this
Agreement or in Instructions. The Owner Trustee shall not have any duty or obligation to manage, make any payment with respect to, register, record, sell, dispose of, or otherwise deal with the Trust Estate, or to otherwise take or refrain from
taking any action under, or in connection with, any document contemplated hereby to which the Issuer or the Owner Trustee is a party, except as expressly provided by the terms of this Agreement or in any document or written instruction received by
the Owner Trustee pursuant to Section 6.3; and no implied duties or obligations shall be read into this Agreement or any Transaction Document against the Owner Trustee. The Owner Trustee shall have no responsibility for filing any
financing or continuation statement in any public office at any time or to otherwise perfect or maintain the perfection of any security interest or Lien granted to it hereunder or to prepare or file any Commission filing (including any filings
required under the Sarbanes-Oxley Act) for the Issuer or to record this Agreement or any Transaction Document. Wilmington Trust, National Association nevertheless agrees that it will, at its own cost and expense, promptly take all action as may be
necessary to discharge any Liens on any part of the Trust Estate that result from actions by, or claims against, Wilmington Trust, National Association that are not related to the ownership or the administration of the Trust Estate. The Owner
Trustee shall have no responsibility or liability for or with respect to the genuineness, value, sufficiency or validity of the Trust Estate. 
 SECTION 6.5 No Action Except under Specified Documents or Instructions. The Owner Trustee shall not manage, control, use, sell, dispose of or otherwise deal with any part of the Trust Estate except
(i) in accordance with the powers granted to and the authority conferred upon the Owner Trustee pursuant to this Agreement, (ii) in accordance with the Transaction Documents and (iii) in accordance with any document or instruction
delivered to the Owner Trustee pursuant to Section 6.3. 

  

					
		 	18	 	 Amended and Restated
 Trust Agreement (2013-A)










 SECTION 6.6 Restrictions. The Owner Trustee shall not take any action (a) that
is inconsistent with the purposes of the Issuer set forth in Section 2.3 or (b) that, to the actual knowledge of a Responsible Officer of the Owner Trustee, would for United States federal income, state and local income and
franchise tax purposes, (i) affect the treatment of the Notes as indebtedness, (ii) be deemed to cause a taxable exchange of the Notes or (iii) cause the Issuer or any portion thereof to be treated as an association or publicly traded
partnership taxable as a corporation, or cause the Issuer to be treated as other than a grantor trust of the type described in Treasury Regulation section 301.7701-4(c). No Certificateholder shall direct the Owner Trustee to take action that would
violate the provisions of this Section 6.6. 
 SECTION 6.7 Relevant Trustee. Following the payment in full of
principal and interest on the Notes, the Owner Trustee shall assume the role of Relevant Trustee for all purposes under the Transaction Documents and shall perform the obligations of the Relevant Trustee under the Indenture. In furtherance of the
foregoing, Article 7, Article 8 and Article 12 of the Indenture are hereby incorporated by reference into this Agreement. 
 SECTION 6.8 Reporting. Upon receipt by the Owner Trustee from the Depositor of any reports or general loan data, the Owner Trustee will forward such reports in the form received to the
Certificateholders. The Owner Trustee shall have no duty or obligations to review, verify or confirm the reports or any information contained therein, and shall have no liability in connection therewith. Delivery of the Monthly Servicer Report to
the Owner Trustee, as provided for in the Transaction Documents, is for informational purposes only and the Owner Trustee’s receipt of such shall not constitute constructive notice of any information contained therein or determinable from
information contained therein, including the Issuer’s compliance with any of its covenants hereunder (as to which the Owner Trustee is entitled to rely exclusively on Officer’s Certificates). 

ARTICLE VII  
 CONCERNING OWNER TRUSTEE 
 SECTION 7.1 Acceptance of Trusts and Duties. The
Owner Trustee accepts the trusts hereby created and agrees to perform its duties hereunder with respect to such trusts but only upon the terms of this Agreement. The Owner Trustee also agrees to disburse all moneys actually received by it
constituting part of the Trust Estate upon the terms of the Transaction Documents and this Agreement. The Owner Trustee shall not be personally liable or accountable hereunder or under any Transaction Document under any circumstances notwithstanding
anything herein or in the Transaction Documents to the contrary, except (i) for its own willful misconduct, bad faith or gross negligence, (ii) in the case of the inaccuracy of any representation or warranty contained in
Section 7.5 expressly made by Wilmington Trust, National Association in its individual capacity, (iii) for liabilities arising from the failure of Wilmington Trust, National Association to perform obligations expressly undertaken by
it in the third sentence of Section 6.4 or (iv) for taxes, fees or other charges on, based on or measured by, any fees, commissions or compensation received by the Owner Trustee. In particular, but not by way of limitation (and
subject to the exceptions set forth in the preceding sentence) of the foregoing: 

  

					
		 	19	 	 Amended and Restated
 Trust Agreement (2013-A)










 (a) The Owner Trustee shall not be personally liable for any error of
judgment made in good faith by any of its officers or employees unless it is proved that such Persons were grossly negligent in ascertaining the pertinent facts; 

(b) No provision of this Agreement shall require the Owner Trustee to expend or risk its personal funds or otherwise incur
any financial liability in the exercise of its rights or powers hereunder; 
 (c) Under no circumstances shall
the Owner Trustee be personally liable for any representation, warranty, covenant, obligation or indebtedness of the Issuer; and 
 (d) The Owner Trustee shall not be personally responsible for or in respect of the validity or sufficiency of this Agreement or for the due execution hereof by any Person other than the Owner Trustee.

 SECTION 7.2 Preservation of Information; Communications to Certificateholders. (a) The Owner Trustee shall
preserve, in as current a form as is reasonably practicable, the names and addresses of Certificateholders received by the Owner Trustee in its capacity as the Certificate Registrar; provided, however, that so long as the Owner Trustee
is the Certificate Registrar, no list separate from the Certificate Register shall be required to be preserved or maintained. 
 (b) The Certificateholders may communicate with other Certificateholders with respect to their rights under this Agreement or under the Certificates. Upon receipt by the Owner Trustee of any written
request by three or more Certificateholders or by one or more Certificateholders holding in the aggregate more than 25% of the Percentage Interests to receive a copy of the most current list of Certificateholders together with a copy of the
communication that the applicant proposes to send, the Owner Trustee shall distribute such list to the requesting Certificateholders; provided that the Owner Trustee may elect not to afford the requesting Certificateholders access to the list
of Certificateholders if it agrees to mail the desired communication or proxy, on behalf of and at the expense of the requesting Certificateholders, to all Certificateholders. Each Certificateholder, by receiving and holding a Certificate,
shall be deemed to have agreed not to hold the Owner Trustee accountable by reason of the disclosure of its name and address, regardless of the source from which such information was derived. 

SECTION 7.3 Statements to Certificateholders. (a) The Owner Trustee shall promptly give notice to each Certificateholder of
any change in the Indenture Trustee’s website pursuant to which the Relevant Trustee’s certificate is made available of which it has been provided notice pursuant to Section 7.4(c) of the Indenture. 

  

					
		 	20	 	 Amended and Restated
 Trust Agreement (2013-A)










 (b) To the extent the Owner Trustee has assumed the role of Relevant Trustee
pursuant to the terms of Section 6.7, the Owner Trustee may make all reports or notices required to be provided by the Owner Trustee under Section 7.4 of the Indenture available via its web-based collaborative internet workspace
known as an “eRoom”; provided, however, that the Owner Trustee shall, if requested by the Administrator, deliver any such reports or notices in writing to the Administrator. Any information that is disseminated in accordance
with the provisions of this Section 7.3 shall not be required to be disseminated in any other form or manner. The Owner Trustee will make no representations or warranties as to the accuracy or completeness of such documents and will
assume no responsibility therefor. 
 (c) The Owner Trustee’s eRoom website shall be initially located at
https://cyberservices.wilmingtontrust.com/eRoom/ or at such other address as shall be specified by the Owner Trustee from time to time in writing to the Certificateholders, the Servicer, the Issuer or any Paying Agent. In connection with providing
access to the Owner Trustee’s eRoom, the Owner Trustee may require registration and the acceptance of a disclaimer. The Owner Trustee shall not be liable for the dissemination of information in accordance with this Agreement. The Owner Trustee
shall notify Certificateholders in writing of any changes in the address or means of access to the eRoom where the reports are accessible. Assistance in access to the eRoom can be obtained by calling the Owner Trustee’s customer service desk at
302-636-6286. 
 SECTION 7.4 Notice of Events of Default. The Owner Trustee shall promptly give notice to each
Certificateholder of any (a) Default or Event of Default of which it has been provided notice pursuant to Section 6.5 of the Indenture and (b) Servicer Replacement Event of which it has been provided notice pursuant to
Section 6.1 of the Servicing Agreement. 
 SECTION 7.5 Representations and Warranties. Wilmington Trust, National
Association hereby represents and warrants to the Depositor for the benefit of the Certificateholders, that: 

(a) It is a national banking association formed and validly existing in good standing under the federal laws of the United
States of America and having its principal place of business within the State of Delaware. It has all requisite corporate power and authority to execute, deliver and perform its obligations under this Agreement. 

(b) It has taken all corporate action necessary to authorize the execution and delivery by it of this Agreement, and this
Agreement will be executed and delivered by one of its officers who is duly authorized to execute and deliver this Agreement on its behalf. 
 (c) This Agreement constitutes a legal, valid and binding obligation of the Owner Trustee, enforceable against the Owner Trustee in accordance with its


  

					
		 	21	 	 Amended and Restated
 Trust Agreement (2013-A)










 
terms, subject, as to enforceability, to applicable bankruptcy, insolvency, reorganization, conservatorship, receivership, liquidation and other similar laws affecting enforcement of the rights
of creditors of banks generally and to equitable limitations on the availability of specific remedies. 
 (d)
Neither the execution nor the delivery by it of this Agreement, nor the consummation by it of the transactions contemplated hereby nor compliance by it with any of the terms or provisions hereof will contravene any federal or Delaware law,
governmental rule or regulation governing the banking or trust powers of the Owner Trustee or any judgment or order binding on it, or constitute any default under its charter documents or by-laws. 

SECTION 7.6 Reliance; Advice of Counsel. (a) The Owner Trustee shall incur no personal liability to anyone in acting upon any
signature, instrument, notice, resolution, request, consent, order, certificate, report, opinion, bond or other document or paper believed by it to be genuine and believed by it to be signed by the proper party or parties. The Owner Trustee may
accept a certified copy of a resolution of the board of directors or other governing body of any corporate party as conclusive evidence that such resolution has been duly adopted by such body and that the same is in full force and effect. As to any
fact or matter the method of the determination of which is not specifically prescribed herein, the Owner Trustee may for all purposes hereof rely on a certificate, signed by the president or any vice president or by the treasurer, secretary or other
Authorized Officers of the relevant party, as to such fact or matter, and such certificate shall constitute full protection to the Owner Trustee for any action taken or omitted to be taken by it in good faith in reliance thereon. 

(b) In the exercise or administration of the trusts hereunder and in the performance of its duties and obligations under
this Agreement or the Transaction Documents, the Owner Trustee (i) may act directly or through its agents or attorneys pursuant to agreements entered into with any of them, but the Owner Trustee shall not be personally liable for the conduct or
misconduct of such agents, custodians, nominees (including Persons acting under a power of attorney) or attorneys selected in good faith and without gross negligence and (ii) may consult with counsel, accountants and other skilled Persons
knowledgeable in the relevant area to be selected in good faith and without gross negligence and employed by it at the expense of the Issuer. The Owner Trustee shall not be personally liable for anything done, suffered or omitted in good faith by it
in accordance with the written opinion or advice of any such counsel, accountants or other such Persons. 
 SECTION 7.7 Not
Acting in Individual Capacity. Except as provided in this Article VII, in accepting the trusts hereby created, Wilmington Trust, National Association acts solely as the Owner Trustee hereunder and not in its individual capacity and all
Persons having any claim against the Owner Trustee by reason of the transactions contemplated by this Agreement or any Transaction Document shall look only to the Trust Estate for payment or satisfaction thereof. 

  

					
		  	22	  	 Amended and Restated
 Trust Agreement (2013-A)










 SECTION 7.8 The Owner Trustee May Own Notes. The Owner Trustee in its individual or
any other capacity may become the owner or pledgee of Notes. The Owner Trustee may deal with the Depositor, the Indenture Trustee, the Administrator and their respective Affiliates in banking transactions with the same rights as it would have if it
were not the Owner Trustee, and the Depositor, the Indenture Trustee, the Administrator and their respective Affiliates may maintain normal commercial banking relationships with the Owner Trustee and its Affiliates. 

SECTION 7.9 Rule 144A Information. At any time when the Issuer is not subject to Section 13 or 15(d) of the Securities
Exchange Act and is not exempt from reporting pursuant to Rule 12g3-2(b) under the Securities Exchange Act, upon the request of a Certificateholder, the Depositor shall promptly furnish or cause to be furnished Rule 144A Information (as defined
below) to such Certificateholder, to a prospective purchaser of such Certificate designated by such Certificateholder or to the Owner Trustee for delivery to such Certificateholder or a prospective purchaser designated by such Certificateholder, as
the case may be, in order to permit compliance by such Certificateholder and the Issuer with Rule 144A in connection with the resale of such Certificate by such Certificateholder. “Rule 144A Information” shall be such information as
is specified pursuant to Rule 144A(d)(4) under the Securities Act (or any successor provision thereto). 
 ARTICLE VIII

 COMPENSATION AND INDEMNIFICATION OF OWNER TRUSTEE 

SECTION 8.1 The Owner Trustee’s Compensation. The Depositor shall cause the Servicer to pay to Wilmington Trust, National
Association pursuant to Section 3.12 of the Servicing Agreement from time to time compensation for all services rendered by the Owner Trustee and the Certificate Paying Agent under this Agreement pursuant to a fee letter between the
Servicer and the Owner Trustee and the Certificate Paying Agent (which compensation shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust). The Servicer, pursuant to Section 3.12
of the Servicing Agreement and the fee letter between the Servicer and the Owner Trustee, shall reimburse the Owner Trustee and the Certificate Paying Agent upon its request for all reasonable expenses, disbursements and advances incurred or made by
the Owner Trustee and the Certificate Paying Agent in accordance with any provision of this Agreement (including the reasonable compensation, expenses and disbursements of such agents, experts and counsel as the Owner Trustee and the Certificate
Paying Agent may employ in connection with the exercise and performance of its rights and its duties hereunder), except any such expense as may be attributable to its willful misconduct, gross negligence (other than an error in judgment) or bad
faith. To the extent not paid by the Servicer, such fees and reasonable expenses shall be paid in accordance with Sections 8.5 or 5.4(b) of the Indenture, as applicable. 

SECTION 8.2 Indemnification. The Depositor shall cause the Servicer to agree to indemnify the Owner Trustee and the Certificate
Paying Agent in its individual capacity and as trustee and its successors, assigns, directors, officers, employees and agents (the “Indemnified Parties”) from and against, any and all loss, liability, expense, tax, penalty, action,
suit, cost or claim (including reasonable legal fees and expenses) of any kind and nature whatsoever which 

  

					
		  	23	  	 Amended and Restated
 Trust Agreement (2013-A)










 
may at any time be imposed on, incurred by, or asserted against Wilmington Trust, National Association in its individual capacity and as trustee or any Indemnified Party in any way relating to or
arising out of this Agreement, the Transaction Documents, the Trust Estate, the administration of the Trust Estate or the action or inaction of Wilmington Trust, National Association hereunder; provided, however, that neither the
Depositor nor the Servicer shall be liable for or required to indemnify Wilmington Trust, National Association from and against any of the foregoing expenses arising or resulting from (i) Wilmington Trust, National Association’s own
willful misconduct, bad faith or gross negligence, (ii) the inaccuracy of any representation or warranty expressly made by Wilmington Trust, National Association in its individual capacity or any representation or warranty made by Wilmington
Trust, National Association in accordance with Section 11.13 or Section 11.14, (iii) liabilities arising from the failure of Wilmington Trust, National Association to perform obligations expressly undertaken by it in the
third sentence of Section 6.4 or (iv) taxes, fees or other charges on, based on or measured by, any fees, commissions or compensation received by the Owner Trustee. To the extent not paid by the Servicer, such indemnification shall
be paid in accordance with Sections 8.5 or 5.4(b) of the Indenture, as applicable. 
 SECTION 8.3
Payments to the Owner Trustee. Any amounts paid to the Owner Trustee pursuant to this Article VIII and Section 8.2(c) of the Indenture shall be deemed not to be a part of the Trust Estate immediately after such payment. 

SECTION 8.4 Rights, Protections, Immunities and Indemnities of the Certificate Paying Agent Relevant Trustee and Paying Agent. The
rights, protections, immunities and indemnities of the Owner Trustee under this Agreement are hereby extended to the Certificate Paying Agent, the Owner Trustee as Relevant Trustee, and the Certificate Paying Agent as Paying Agent under all of the
Transaction Documents. 
 ARTICLE IX 
 TERMINATION OF TRUST AGREEMENT 
 SECTION 9.1 Termination of Trust
Agreement. (a) The Issuer shall wind up, dissolve and terminate and this Agreement shall terminate (other than provisions hereof which by their terms survive termination) upon the final distribution by the Certificate Paying Agent of all
moneys or other property or proceeds of the Trust Estate in accordance with the terms of the Indenture, the Servicing Agreement and Article V of this Agreement. The bankruptcy, liquidation, dissolution, death or incapacity of any
Certificateholder shall not (x) operate to terminate this Agreement or the Issuer, nor (y) entitle any such Certificateholder’s legal representatives or heirs to claim an accounting or to take any action or Proceeding in any court for
a partition or winding up of all or any part of the Issuer or Trust Estate nor (z) otherwise affect the rights, obligations and liabilities of the parties hereto. 

(b) Notice of any dissolution and termination of the Issuer, specifying the Payment Date upon which Certificateholders
shall surrender their Certificates to the Owner Trustee for payment of the final distribution and cancellation, shall be given by the Owner Trustee to Certificateholders, and if the Owner Trustee is


  

					
		  	24	  	 Amended and Restated
 Trust Agreement (2013-A)










 
notified of a redemption of the Notes by the Administrator or the Issuer pursuant to Section 10.1(c) of the Indenture, such notice shall be mailed within five (5) Business Days
of the Owner Trustee’s receipt of such notice from the Issuer or Administrator. Each such notice to a Certificateholder shall state (i) the Payment Date upon or with respect to which final payment of the Certificates shall be made upon
presentation and surrender of the Certificates at the office of the Owner Trustee therein designated, (ii) the amount of any such final payment and (iii) that the Record Date otherwise applicable to such Payment Date is not applicable and
that payments are being made only upon presentation and surrender of the Certificates at the office of the Owner Trustee therein specified. The Owner Trustee shall give such notice to the Certificate Registrar (if other than the Owner Trustee) and
the Certificate Paying Agent at the time such notice is given to Certificateholders. Upon presentation and surrender of each Certificate, the Certificate Paying Agent shall cause to be distributed to such Certificateholders, subject to
Section 3808 of the Delaware Statutory Trust Act, amounts distributable on such Payment Date pursuant to Article V. 
 (c) In the event that any of the Certificateholders shall not surrender their Certificates for cancellation within six months after the date specified in the above mentioned written notice, the Owner
Trustee shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within one year after the second notice any of the
Certificates shall not have been surrendered for cancellation, the Owner Trustee may take appropriate steps, or may appoint an agent to take appropriate steps, to contact the remaining Certificateholders concerning surrender of their Certificates
and the cost thereof shall be paid out of the funds and other assets that shall remain subject to this Agreement. Subject to applicable escheat laws, any funds remaining in the Trust Estate after exhaustion of such remedies shall be distributed by
the Certificate Paying Agent to the last Certificateholder of record identified in the Certificate Register for each such remaining Certificate. 
 SECTION 9.2 Dissolution of the Issuer. Upon dissolution of the Issuer, the Administrator shall wind up the business and affairs of the Issuer as required by Section 3808 of the Statutory Trust
Act. Upon the satisfaction and discharge of the Indenture, and receipt of a certificate from the Indenture Trustee stating that all Noteholders have been paid in full and that the Indenture Trustee is aware of no claims remaining against the Issuer
in respect of the Indenture and the Notes, the Administrator, in the absence of actual knowledge of any other claim against the Issuer, shall be deemed to have made reasonable provision to pay all claims and obligations (including conditional,
contingent or unmatured obligations) for purposes of Section 3808(e) of the Statutory Trust Act. At the direction of the Administrator, the Owner Trustee, upon surrender of the outstanding Certificates or as otherwise provided in
Section 9.1(c), shall cause the Certificate Paying Agent to distribute the remaining Trust Estate (if any) in accordance with Section 9.1 hereof and shall cause the Certificate of Trust to be cancelled by filing a certificate
of cancellation with the Delaware Secretary of State in accordance with the 

  

					
		  	25	  	 Amended and Restated
 Trust Agreement (2013-A)










 
provisions of Section 3810 of the Statutory Trust Act, at which time the Issuer shall terminate and this Agreement (other than Article VIII) shall be of no further force or effect.

 SECTION 9.3 Limitations on Termination. Except as provided in Section 9.1, neither the Depositor nor any
Certificateholder shall be entitled to revoke or terminate the Issuer. 
 ARTICLE X 

SUCCESSOR OWNER TRUSTEES AND ADDITIONAL 
 OWNER TRUSTEES 
 SECTION 10.1 Eligibility Requirements for the Owner
Trustee. The Owner Trustee shall at all times be a bank (i) authorized to exercise corporate trust powers, (ii) having a combined capital and surplus of at least $50,000,000 and (iii) subject to supervision or examination by
Federal or state authorities. If such bank shall publish reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purpose of this Section, the combined capital
and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. The Owner Trustee shall at all times be an institution satisfying the provisions of
Section 3807(a) of the Statutory Trust Act. In case at any time the Owner Trustee shall cease to be eligible in accordance with the provisions of this Section, the Owner Trustee shall resign immediately in the manner and with the effect
specified in Section 10.2. 
 SECTION 10.2 Resignation or Removal of the Owner Trustee. The Owner Trustee may
at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Depositor, the Administrator, the Servicer, the Indenture Trustee and each Certificateholder. Upon receiving such notice of resignation, the
Depositor and the Administrator, acting jointly, shall promptly appoint a successor Owner Trustee which satisfies the eligibility requirements set forth in Section 10.1 by written instrument, in duplicate, one copy of which instrument
shall be delivered to the resigning Owner Trustee and one copy to the successor Owner Trustee. If no successor Owner Trustee shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of
resignation, the resigning Owner Trustee may petition any court of competent jurisdiction for the appointment of a successor Owner Trustee; provided, however, that such right to appoint or to petition for the appointment of any such
successor shall in no event relieve the resigning Owner Trustee from any obligations otherwise imposed on it under the Transaction Documents until such successor has in fact assumed such appointment. 

If at any time the Owner Trustee shall cease to be eligible in accordance with the provisions of Section 10.1 and shall fail
to resign after written request therefor by the Depositor or the Administrator, or if at any time the Owner Trustee shall be legally unable to act, or shall be adjudged bankrupt or insolvent, or a receiver of the Owner Trustee or of its property
shall be appointed, or any public officer shall take charge or control of the Owner Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Depositor or the Administrator may remove the Owner
Trustee. If the Depositor or the Administrator shall remove the Owner Trustee under the authority of the immediately preceding 

  

					
		  	26	  	 Amended and Restated
 Trust Agreement (2013-A)










 
sentence, the Depositor and the Administrator, acting jointly, shall promptly appoint a successor Owner Trustee by written instrument, in duplicate, one copy of which instrument shall be
delivered to the outgoing Owner Trustee so removed and one copy to the successor Owner Trustee and shall pay all fees owed to the outgoing Owner Trustee. 
 Any resignation or removal of the Owner Trustee and appointment of a successor Owner Trustee pursuant to any of the provisions of this Section shall not become effective until acceptance of appointment by
the successor Owner Trustee pursuant to Section 10.3 and payment of all fees and expenses owed to the outgoing Owner Trustee. The Depositor shall provide (or shall cause to be provided) notice of such resignation or removal of the Owner
Trustee to each of the Rating Agencies. 
 SECTION 10.3 Successor Owner Trustee. Any successor Owner Trustee appointed
pursuant to Section 10.2 shall execute, acknowledge and deliver to the Depositor, the Administrator and to its predecessor Owner Trustee an instrument accepting such appointment under this Agreement, and thereupon the resignation or
removal of the predecessor Owner Trustee shall become effective and such successor Owner Trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor under
this Agreement, with like effect as if originally named as the Owner Trustee. The predecessor Owner Trustee shall upon payment of its fees and expenses deliver to the successor Owner Trustee all documents and statements and monies held by it under
this Agreement; and the Depositor and the predecessor Owner Trustee shall execute and deliver such instruments and do such other things as may reasonably be required for fully and certainly vesting and confirming in the successor Owner Trustee all
such rights, powers, duties and obligations. 
 No successor Owner Trustee shall accept appointment as provided in this Section
unless at the time of such acceptance such successor Owner Trustee shall be eligible pursuant to Section 10.1. 

Upon acceptance of appointment by a successor Owner Trustee pursuant to this Section, the Depositor shall mail (or shall cause to be
mailed) notice of the successor of such Owner Trustee to each Certificateholder, Indenture Trustee, the Noteholders and each of the Rating Agencies. If the Depositor shall fail to mail (or cause to be mailed) such notice within 10 days after
acceptance of appointment by the successor Owner Trustee, the successor Owner Trustee shall cause such notice to be mailed at the expense of the Depositor. Any successor Owner Trustee appointed pursuant to Section 10.2 shall promptly
file an amendment to the Certificate of Trust with the Secretary of State identifying the name and the principal place of business of such successor Owner Trustee in the State of Delaware. 

SECTION 10.4 Merger or Consolidation of the Owner Trustee. Any Person into which the Owner Trustee may be merged or converted or
with which it may be consolidated, or any Person resulting from any merger, conversion or consolidation to which the Owner Trustee shall be a party, or any Person succeeding to all or substantially all of the corporate trust business of the Owner
Trustee, shall, without the execution or filing of any instrument or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding, be the 

  

					
		  	27	  	 Amended and Restated
 Trust Agreement (2013-A)










 
successor of the Owner Trustee hereunder; provided, that such Person shall be eligible pursuant to Section 10.1; and provided, further that the Owner Trustee
shall file an amendment to the Certificate of Trust of the Issuer, if required by applicable law, and mail notice of such merger or consolidation to the Depositor, the Administrator and all Certificateholders. 

SECTION 10.5 Appointment of Co-Trustee or Separate Trustee. Notwithstanding any other provisions of this Agreement, at any time,
for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Estate may at the time be located, the Depositor and the Owner Trustee acting jointly shall have the power and shall execute and deliver all
instruments to appoint one or more Persons approved by the Owner Trustee to act as co-trustee, jointly with the Owner Trustee, or separate trustee or separate trustees, of all or any part of the Trust Estate, and to vest in such Person, in such
capacity, such title to the Issuer, or any part thereof, and, subject to the other provisions of this Section, such powers, duties, obligations, rights and trusts as the Depositor and the Owner Trustee may consider necessary or desirable. If the
Depositor shall not have joined in such appointment within 15 days after the receipt by it of a request so to do, the Owner Trustee alone shall have the power to make such appointment. No co-trustee or separate trustee under this Agreement shall be
required to meet the terms of eligibility as a successor trustee pursuant to Section 10.1 and no notice of the appointment of any co-trustee or separate trustee shall be required pursuant to Section 10.3. 

Each separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions and
conditions: 
 (i) all rights, powers, duties and obligations conferred or imposed upon the Owner Trustee shall
be conferred upon and exercised or performed by the Owner Trustee and such separate trustee or co-trustee jointly (it being understood that such separate trustee or co-trustee is not authorized to act separately without the Owner 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 Owner 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 Issuer 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 Owner Trustee;

 (ii) no trustee under this Agreement shall be personally liable by reason of any act or omission of any other
trustee under this Agreement; and 
 (iii) the Depositor and the Owner Trustee acting jointly may at any time
accept the resignation of or remove any separate trustee or co-trustee. 
 Any notice, request or other writing given to the
Owner Trustee shall be deemed to have been given to each of the then 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 Agreement and the
conditions of this Article. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its 

  

					
		  	28	  	 Amended and Restated
 Trust Agreement (2013-A)










 
instrument of appointment, either jointly with the Owner Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision
of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Owner Trustee. Each such instrument shall be filed with the Owner Trustee and copies thereof given to the Depositor and the Administrator.

 Any separate trustee or co-trustee may at any time appoint the Owner Trustee, 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 Agreement on its behalf and in its name. If any separate trustee or co-trustee shall 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 Owner Trustee, to the extent permitted by law, without the appointment of a new or successor trustee. The Owner Trustee shall have no obligation to determine
whether a co-trustee or separate trustee is legally required in any jurisdiction in which any part of the Trust Estate may be located. 
 ARTICLE XI 
 MISCELLANEOUS 

SECTION 11.1 Amendments. 
 (a) Any term or provision of this Agreement may be amended by the Depositor and the Owner Trustee, at the direction of the Administrator, without the consent of the Indenture Trustee, any Noteholder, any
Certificateholder, the Issuer or any other Person subject to the satisfaction of one of the following conditions: 
 (i) The Depositor 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
Depositor 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 Depositor and the Owner Trustee, 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 

  

					
		  	29	  	 Amended and Restated
 Trust Agreement (2013-A)










 
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 11.1, the Depositor shall
provide written notification of the substance of such amendment to each Rating Agency; and promptly after the execution of any such amendment, the Depositor 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 11.1 shall be effective which materially and adversely affects the rights, protections or duties of the Indenture Trustee without the prior written consent of such
Person. 
 (d) Prior to the execution of any amendment to this Agreement, the Owner 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 an Officer’s Certificate from the Depositor or the Administrator stating that all conditions
precedent to the execution and delivery of such amendment have been satisfied. The Owner Trustee may, but shall not be obligated to, enter into any such amendment which materially and adversely affects the Owner Trustee’s own rights, duties or
immunities under this Agreement. 
 (e) Notwithstanding subsection (a) of this Section 11.1,
this Agreement may only be amended by the Depositor if (i) the Majority Certificateholders consent to such amendment or (ii) such amendment shall not, as evidenced by an Officer’s Certificate of the Depositor or an Opinion of Counsel
delivered to the Owner Trustee, materially and adversely affect the interests of the Certificateholders. 
 (f)
Notwithstanding anything herein to the contrary and for purposes of classifying the Issuer as a grantor trust under the Code, no amendment shall be made to this Agreement that would result in a variation of the investment of the beneficial owners of
the Certificates for purposes of the United States Treasury Regulation section 301.7701-4(c) without the consent of all Certificateholders, or cause the Issuer (or any part thereof) to be classified as other than a grantor trust of the type
described in Treasury Regulation section 301.7701-4(c). 

  

					
		  	30	  	 Amended and Restated
 Trust Agreement (2013-A)










 SECTION 11.2 No Legal Title to Trust Estate in Certificateholders. Neither the
Depositor nor any Certificateholder shall have legal title to any part of the Trust Estate. Each Certificateholder shall be entitled to receive distributions with respect to its undivided beneficial interest therein only in accordance with
Articles V and IX. No transfer, by operation of law or otherwise, of any right, title or interest of a Certificateholder to and in its ownership interest in the Trust Estate shall operate to terminate this Agreement or the trusts
hereunder or entitle any transferee to an accounting or to the transfer to it of legal title to any part of the Trust Estate. 

SECTION 11.3 Limitations on Rights of Others. The provisions of this Agreement are solely for the benefit of the Owner Trustee,
the Depositor, the Administrator, the Certificateholders and, to the extent expressly provided herein, the Indenture Trustee and the Noteholders, and nothing in this Agreement, whether express or implied, shall be construed to give to any other
Person any legal or equitable right, remedy or claim in the Trust Estate or under or in respect of this Agreement or any covenants, conditions or provisions contained herein. 
 SECTION 11.4 Notices. (a) Unless otherwise expressly specified or permitted by the terms hereof, all notices 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. 

(b) Any notice required or permitted to be given to any Certificateholder shall be given by first-class mail, postage
prepaid, at the address shown in the Certificate Registrar. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not such Certificateholder receives such notice.

 SECTION 11.5 Severability. Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction
shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or
render unenforceable such provision in any other jurisdiction. 
 SECTION 11.6 Separate Counterparts. This Agreement may
be executed by the parties hereto in separate counterparts, each of which when so executed and delivered shall be an original, regardless of whether delivered in physical or electronic form, but all such counterparts shall together constitute but
one and the same instrument. 
 SECTION 11.7 Successors and Assigns. All covenants and agreements contained herein shall
be binding upon, and inure to the benefit of, the Depositor, the Owner Trustee and its successors and each Certificateholder and its successors and permitted assigns, all as herein provided. Any request, notice, direction, consent, waiver or other
instrument or action by a Certificateholder shall bind the successors and assigns of such Certificateholder. 

  

					
		  	31	  	 Amended and Restated
 Trust Agreement (2013-A)










 SECTION 11.8 No Petition. 

(a) To the fullest extent permitted by applicable law, each of the Owner Trustee (in its individual capacity and as the
Owner Trustee), by entering into this Agreement, the Depositor, each Certificateholder, by accepting a Certificate, and the Indenture Trustee and each Noteholder or Note Owner by accepting the benefits of this Agreement, 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 or institute against, 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. Without limiting the foregoing, in no event shall the Owner Trustee authorize, institute or join in any
bankruptcy or similar Proceeding described in the preceding sentence other than in accordance with Section 4.3. 
 (b) The Depositor’s obligations under this Agreement are obligations solely of the Depositor and will not constitute a claim against the Depositor to the extent that the Depositor 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 entering into or accepting this Agreement, each
Certificateholder, by accepting a Certificate, and the Indenture Trustee and each Noteholder or Note Owner, by accepting the benefits of this Agreement, hereby acknowledges and agrees that such Person has no right, title or interest in or to the
Other Assets of the Depositor. 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 each 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 

  

					
		  	32	  	 Amended and Restated
 Trust Agreement (2013-A)










 
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 Depositor), 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 Owner Trustee (in its individual capacity and as the Owner Trustee), by entering into or accepting this Agreement, each
Certificateholder, by accepting a Certificate, and the Indenture Trustee and each Noteholder or Note Owner, by accepting the benefits of this Agreement, hereby further acknowledges and agrees that no adequate remedy at law exists for a breach of
this Section and the terms of this Section may be enforced by an action for specific performance. The provisions of this Section will be for the third party benefit of those entitled to rely thereon and will survive the termination of this
Agreement. 
 SECTION 11.9 Headings. The headings of the various Articles and Sections herein are for convenience of
reference only and shall not define or limit any of the terms or provisions hereof. 
 SECTION 11.10 Governing
Law. THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN
ACCORDANCE WITH SUCH LAWS. 
 SECTION 11.11 Waiver of Jury Trial. 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 11.12 Information Requests. The parties hereto shall provide any information reasonably requested
by the Seller, the Servicer, the Issuer, the Depositor or any of their Affiliates at the expense of the Seller, the Servicer, the Issuer, the Depositor or any of their Affiliates, as applicable, in order to comply with or obtain more favorable
treatment under any current or future law, rule, regulation, accounting rule or principle. 

  

					
		  	33	  	 Amended and Restated
 Trust Agreement (2013-A)










 SECTION 11.13 Form 10-D and Form 10-K Filings. So long as the Depositor is filing
Exchange Act Reports with respect to the Issuer and until the Depositor notifies the Owner Trustee that such action is no longer required (i) no later than each Payment Date, the Owner Trustee shall notify the Depositor of any Form 10-D
Disclosure Item with respect to the Owner Trustee, together with a description of any such Form 10-D Disclosure Item in form and substance reasonably acceptable to the Depositor; provided that such notification may be electronic so long as
there has been no change to such Form 10-D Disclosure Items from those disclosed on the previous Payment Date, and (ii) on or before March 15 of each calendar year for so long as the Depositor is filing Exchange Act Reports with
respect to the Issuer, commencing on March 15, 2014, the Owner Trustee shall deliver to the Depositor the certification substantially in the form attached hereto as Exhibit E or such form as mutually agreed upon by the Depositor and the
Owner Trustee regarding any affiliations or relationships (as contemplated in Item 1119 of Regulation AB) between the Owner Trustee and any Item 1119 Party and any Form 10-D Disclosure Item. 

SECTION 11.14 Form 8-K Filings. So long as the Depositor is filing Exchange Act Reports with respect to the Issuer and until the
Depositor notifies the Owner Trustee that such action is no longer required, the Owner Trustee shall promptly notify the Depositor, but in no event later than four (4) Business Days after its occurrence, of any Reportable Event described in
clause (e) of the definition thereof with respect to the Owner Trustee of which a Responsible Officer of the Owner Trustee has actual knowledge (other than a Reportable Event described in clause (e) of the definition thereof
as to which the Depositor or the Servicer has actual knowledge). The Owner Trustee shall be deemed to have actual knowledge of any such event to the extent that it relates to the Owner Trustee in its individual capacity or any action by the Owner
Trustee under this Agreement. 
 SECTION 11.15 Information to Be Provided by the Owner Trustee. The Owner Trustee shall
provide the Depositor and the Servicer (each, a “Transaction Party” and, collectively, the “Transaction Parties”) with (i) notification, as soon as practicable and in any event within five Business Days, of all
demands communicated to the Owner Trustee for the repurchase or replacement of any Receivable pursuant to Section 3.8 of the Sale Agreement, Section 3.3 of the Purchase Agreement, Section 3.6 of the Servicing
Agreement or Section 3.3 of the Receivables Sale Agreement, as applicable and (ii) promptly upon reasonable request in writing by a Transaction Party, any other information reasonably requested by a Transaction Party to facilitate
compliance by the Transaction Parties with Rule 15Ga-1 under the Exchange Act, and Items 1104(e) and 1121(c) of Regulation AB. In no event shall the Owner Trustee be deemed to be a “securitizer” as defined in Section 15G(a) of the
Exchange Act with respect to the transactions contemplated by the Transaction Documents, nor shall it have any responsibility for making any filing to be made by a securitizer under the Exchange Act or Regulation AB with respect to the transactions
contemplated by the Transaction Documents. A demand does not include general inquiries, including investor inquiries, regarding asset performance or possible breaches of representations or warranties. 

[Remainder of Page Intentionally Left Blank] 

  

					
		  	34	  	 Amended and Restated
 Trust Agreement (2013-A)










 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed by
their respective officers hereunto duly authorized as of the day and year first above written. 
  

			
	WILMINGTON TRUST, NATIONAL ASSOCIATION
		
	By:	 	 /s/ Erwin M. Soriano

	Name:	 	Erwin M. Soriano
	Title:	 	Assistant Vice President



  

					
		  	S-1	  	 Amended and Restated
 Trust Agreement (2013-A)










 
			
	FIFTH THIRD HOLDINGS FUNDING, LLC
		
	By:	 	 /s/ Neil J. Prendergast

	Name:	 	Neil J. Prendergast
	Title:	 	Senior Vice President



  

					
		  	S-2	  	 Amended and Restated
 Trust Agreement (2013-A)










 EXHIBIT A 
 FORM OF CERTIFICATE 
  

			
	NUMBER	 	    % PERCENTAGE INTEREST
	R-            	 	CUSIP NO.            
		 	ISIN            

 FIFTH THIRD AUTO TRUST 2013-A 
 CERTIFICATE 
 Evidencing the     % Percentage Interest in all
of the assets of the Issuer (as defined below), which consist primarily of motor vehicle receivables, including motor vehicle retail installment sales contracts and/or installment loans that are secured by new and used automobiles, light-duty trucks
and vans. 
 (This Certificate does not represent an interest in or obligation of Fifth Third Holdings, LLC, Fifth Third
Holdings Funding, LLC, Fifth Third Bank or any of their respective Affiliates, except to the extent described below.) 

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”) OR ANY
OTHER APPLICABLE SECURITIES OR “BLUE SKY” LAWS OF ANY STATE OR OTHER JURISDICTION. THE HOLDER HEREOF, BY PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE MAY BE RESOLD, ASSIGNED, PLEDGED OR OTHERWISE TRANSFERRED ONLY IN COMPLIANCE
WITH THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT OR ANY OTHER APPLICABLE SECURITIES OR “BLUE SKY” LAWS AND ONLY PURSUANT TO RULE 144A UNDER THE SECURITIES ACT (“RULE 144A”) TO A PERSON THAT THE HOLDER REASONABLY
BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A “QIB”), PURCHASING FOR ITS OWN ACCOUNT OR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED THAT THE REOFFER, RESALE OR OTHER TRANSFER IS BEING MADE IN
RELIANCE ON RULE 144A. 
 NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE ACQUIRED OR HELD (IN THE INITIAL ACQUISITION
OR THROUGH A TRANSFER) BY OR FOR THE ACCOUNT OF OR WITH THE ASSETS OF (A) AN EMPLOYEE BENEFIT PLAN AS DEFINED IN SECTION 3(3) OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”) WHICH IS SUBJECT TO TITLE I OF
ERISA, (B) A PLAN DESCRIBED BY SECTION 4975(e)(1) OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE “CODE”), WHICH IS SUBJECT TO SECTION 4975 OF THE CODE, (C) ANY ENTITY DEEMED TO HOLD THE PLAN ASSETS OF ANY OF THE FOREGOING
BY REASON OF AN EMPLOYEE BENEFIT PLAN’S OR OTHER PLAN’S INVESTMENT IN THE ENTITY (EACH A 

  

					
		 	A-1	 	 Amended and Restated
 Trust Agreement (2013-A)










 
“BENEFIT PLAN”) OR (D) A GOVERNMENTAL, CHURCH, NON-U.S. OR OTHER PLAN THAT IS SUBJECT TO ANY FEDERAL, STATE, LOCAL OR NON-U.S. LAW THAT IS SUBSTANTIALLY SIMILAR TO TITLE I OF ERISA
OR SECTION 4975 OF THE CODE (ANY SUCH FEDERAL, STATE OR LOCAL LAW, (A “SIMILAR LAW”)). 
 THIS CERTIFIES THAT
                     is the registered owner of a     % nonassessable, fully-paid, Percentage Interest in the Trust Estate of
FIFTH THIRD AUTO TRUST 2013-A, a Delaware statutory trust (the “Issuer”) formed by Fifth Third Holdings Funding, LLC, a Delaware limited liability company, as depositor (the “Depositor”). 

The Issuer was created pursuant to a Trust Agreement, dated as of February 26, 2013 (as amended and restated as of March 28,
2013) (the “Trust Agreement”), between the Depositor and Wilmington Trust, National Association, as owner trustee (the “Owner Trustee”), a summary of certain of the pertinent provisions of which is set forth below.
To the extent not otherwise defined herein, the capitalized terms used herein have the meanings assigned to them in Appendix A to the Sale Agreement, dated as of March 28, 2013, between the Depositor and the Issuer as the same may be
amended or supplemented from time to time. 
 This Certificate is issued under and is subject to the terms, provisions and
conditions of the Trust Agreement, to which Trust Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. The provisions and conditions of the Trust Agreement are hereby incorporated by
reference as though set forth in their entirety herein. 
 The Holder of this Certificate acknowledges and agrees that its
rights to receive distributions in respect of this Certificate are subordinated to the rights of the Noteholders as described in the Indenture, the Servicing Agreement and the Trust Agreement, as applicable. 

THIS CERTIFICATE SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, WITHOUT REFERENCE TO ITS CONFLICT OF LAW
PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
 By accepting this Certificate, the Certificateholder 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 any Bankruptcy Remote Party (i) such Person shall not authorize such 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 any party hereto or any other creditor of such Bankruptcy Remote Party, and (ii) such Person shall not
commence or join with any other Person 

  

					
		 	A-2	 	 Amended and Restated
 Trust Agreement (2013-A)










 
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.

 By accepting and holding this Certificate (or any interest herein), the Holder hereof shall be deemed to have represented and
warranted that it is not a Benefit Plan or a governmental, church, non-U.S. or other plan which is subject to any Similar Law and is not purchasing on behalf of a Benefit Plan or a governmental, church, non-U.S. or other plan which is subject to any
Similar Law. 
 It is the intention of the parties to the Trust Agreement that, for purposes of United States federal, state and
local income, franchise and value added tax purposes, the Issuer will be treated as a grantor trust of the type described in Treasury Regulation section 301.7701-4(c). By accepting this Certificate, the Certificateholder agrees to treat, and to take
no action inconsistent with the treatment of, the Certificates for such tax purposes as interests in a grantor trust unless otherwise required by applicable tax authorities. 
 By accepting this Certificate, the Certificateholder acknowledges that this Certificate represents a Percentage Interest only and does not represent interests in or obligations of the Depositor, the
Servicer, the Administrator, the Owner Trustee, the Indenture Trustee or any of their respective Affiliates and no recourse may be had against such parties or their assets, except as expressly set forth or contemplated in this Certificate, the Trust
Agreement or any other Transaction Document. 
 Each Certificateholder, by acceptance of this Certificate, acknowledges and
agrees that the purpose of Article XII of the Indenture is to facilitate compliance with the FDIC Rule by the Bank, the Depositor, the Servicer, FTH LLC and the Issuer (collectively, the “Fifth Third Parties”) and that the
interpretations of the requirements of the FDIC Rule may change over time, whether due to interpretive guidance provided by the FDIC or its staff, consensus among participants in the asset-backed securities markets, advice of counsel, or otherwise,
and agrees that the provisions set forth in Article XII of the Indenture shall have the effect and meanings that are appropriate under the FDIC Rule as such effect and meanings change over time on the basis of evolving interpretations of the
FDIC Rule. 

  

					
		 	A-3	 	 Amended and Restated
 Trust Agreement (2013-A)










 IN WITNESS WHEREOF, the Issuer has caused this Certificate to be duly executed. 

 

									
		 		 		 	FIFTH THIRD AUTO TRUST 2013-A
					
		 		 		 	By:	 	Wilmington Trust, National Association,
		 		 		 		 	not in its individual capacity, but solely as Owner Trustee
					
	Dated:	 	  
	 		 	By:	 	  

		 		 		 	Name:	 	
		 		 		 	Title:	 	


  

					
		 	A-4	 	 Amended and Restated
 Trust Agreement (2013-A)










 OWNER TRUSTEE’S CERTIFICATE OF AUTHENTICATION 

This is the Certificate referred to in the within-mentioned Trust Agreement. 

 

			
	Wilmington Trust, National Association,
	not in its individual capacity but solely as Owner Trustee
		
	By:	 	  

	Name:	 	
	Title:	 	



  

					
		 	A-5	 	 Amended and Restated
 Trust Agreement (2013-A)










 ASSIGNMENT 
 FOR VALUE RECEIVED the undersigned hereby sells, assigns and transfers unto 
 PLEASE INSERT SOCIAL
SECURITY 
 OR OTHER IDENTIFYING NUMBER OF ASSIGNEE 
 [                    ] 

 

	
	  

	(Please print or type name and address, including postal zip code, of assignee)
	
	  

	the within Certificate, (Asset Backed Certificate No. R-[    ] issued by Fifth Third Auto Trust 2013-A), and all rights thereunder, hereby irrevocably
constituting and appointing


                    Attorney to transfer said
Certificate on the books of the Certificate Registrar, with full power of substitution in the premises 
 Dated:
                    , [    ] 
  


			
	[TRANSFEROR]
		
	By:	 	  

	Name:	 	
	Title:	 	



  

					
		 	A-6	 	 Amended and Restated
 Trust Agreement (2013-A)










 EXHIBIT B 
 FORM OF CERTIFICATE INVESTOR REPRESENTATION LETTER 
 Relating to the

 Fifth Third Auto Trust 2013-A Asset Backed Certificates 

 

			
	Fifth Third Auto Trust 2013-A, as Issuer	  	Wilmington Trust, National Association, as
	c/o Wilmington Trust, National Association	  	Owner Trustee
	Rodney Square North	  	Rodney Square North
	1100 North Market Street	  	1100 North Market Street
	Wilmington, DE 19890-0001	  	Wilmington, Delaware 19890-0001
	Attention: Corporate Trust Administration	  	Attention: Corporate Trust Administration
		
	Credit Suisse Securities (USA) LLC	  	[Transferor]
	Eleven Madison Avenue	  	[Address]
	New York, New York 10010	  	

 Ladies and Gentlemen: 
 In connection with the purchase or acquisition of one or more certificates issued by Fifth Third Auto Trust 2013-A (the “Certificates”) pursuant to the Amended and Restated Trust
Agreement, dated as of March 28, 2013 (the “Trust Agreement”), between Fifth Third Holdings Funding, LLC, a Delaware limited liability company, as the depositor (the “Depositor”), and Wilmington
Trust, National Association, a national banking association, as the owner trustee (the “Owner Trustee”), the transferee named below (the “Transferee”) hereby represents, warrants, covenants and agrees
as follows (terms used but not defined herein have the respective meanings given to such terms in the Trust Agreement): 
  

	 	1.	The Transferee understands that the Certificates are being offered only in a transaction not involving any public offering in the United States within the meaning of
the Securities Act of 1933, as amended (the “Act”), none of the certificates have been or will be registered under the Act and if in the future, the Transferee decides to offer, resell, pledge or otherwise transfer the
certificates, such certificates may only be offered, resold, pledged or otherwise transferred in accordance with the Trust Agreement and the legend set forth in paragraph 11 below. 


 

	 	2.	The Transferee understands that an investment in the Certificates involves certain risks, including the risk of loss of all or a substantial part of its investment
under certain circumstances. 

  

	 	3.	 The Transferee has such knowledge and experience in financial and business matters that the Transferee is capable of evaluating the merits and risks of
investments in the 



  

					
		 	B-1	 	 Amended and Restated
 Trust Agreement (2013-A)











	 	
Certificates, and the Transferee and any accounts for which it is acting are each able to bear the economic risk of the holder’s or of its investment. 


 

	 	4.	The Transferee has had access to such financial and other information concerning the Issuer and the Certificates as it deemed necessary or appropriate in order to make
an informed investment decision with respect to its purchase of the Certificates. 

  

	 	5.	The Transferee will not offer, transfer, pledge, sell or otherwise dispose of the Certificates or any interest in the Certificates to any person in any manner, or
solicit any offer to buy, transfer, pledge or otherwise dispose of the Certificates or any interest in the Certificates from any person in any manner, or make any general solicitation by means of general advertising or in any other manner, or take
any other action that would constitute a distribution of the Certificates under the Act or that would render the disposition of the Certificates a violation of Section 5 of the Act or any other applicable securities laws or require registration
pursuant thereto, and will not authorize any person to act on its behalf, in such manner with respect to the Certificates. 

  

	 	6.	The Transferee is either (a) an affiliate of the Depositor or (b) (i) a “qualified institutional buyer” as that term is defined in Rule 144A
under the Act (a “Qualified Institutional Buyer”), (ii) aware that the sale of the Certificates to it is being made in reliance on the exemption from registration provided by Rule 144A under the Act, and (iii) is
acquiring the Certificates for its own account or for one or more accounts, each of which is a Qualified Institutional Buyer, and as to each of which it exercises sole investment discretion or for resale pursuant to Rule 144A under the Act.


  

	 	7.	The Transferee agrees that it will not offer or sell, or otherwise transfer the Certificates to any person unless the transferee of the Certificates has executed a
Certificate Investor Representation Letter. 

  

	 	8.	The Transferee acknowledges and agrees that the Owner Trustee shall not be obligated to register any transfer of the Certificates unless the transferee has certified to
the Owner Trustee that such transfer does not violate any of the transfer restrictions stated in the Trust Agreement, and that the Owner Trustee shall not be liable to any Person for registering any transfer based on such certifications.


  

	 	9.	The Transferee acknowledges and agrees that no transfer of any Certificate shall be permitted if such transfer is effected through an established securities market or
secondary market (or the substantial equivalent thereof) within the meaning of Code (as defined below) section 7704 and any proposed, temporary or final United States Treasury regulations thereunder. 


 

	 	10.	 The Transferee understands that if Responsible Officer of Owner Trustee becomes aware that (a) a transfer or attempted or purported transfer of
any Certificate or interest therein was consummated in compliance with the provisions of the Trust Agreement on the basis of a materially incorrect certification from the transferor or purported transferee, (b) a transferee failed to deliver to
the Owner Trustee a Certificate Investor 



  

					
		 	B-2	 	 Amended and Restated
 Trust Agreement (2013-A)











	 	
Representation Letter or (c) the Certificateholder of any Certificate or interest therein is in material breach of any representation or agreement set forth in any certificate or any deemed
representation or agreement of such Certificateholder, the Owner Trustee will direct the Certificate Registrar not to register such attempted or purported transfer and, if a transfer has been registered, such transfer shall be absolutely null and
void ab initio and shall not operate to transfer any rights to the purported transferee (such purported transferee, a “Disqualified Transferee”) and the last preceding Certificateholder of such Certificateholder that
was not a Disqualified Transferee shall be restored to all rights as a Certificateholder thereof retroactively to the date of the purported transfer of such Certificate by such Certificateholder. 


 

	 	11.	The Transferee understands that the Certificates bear a legend to the following effect: 


“THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”) OR ANY OTHER
APPLICABLE SECURITIES OR “BLUE SKY” LAWS OF ANY STATE OR OTHER JURISDICTION. THE HOLDER HEREOF, BY PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE MAY BE RESOLD, ASSIGNED, PLEDGED OR OTHERWISE TRANSFERRED ONLY IN COMPLIANCE WITH
THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT OR ANY OTHER APPLICABLE SECURITIES OR “BLUE SKY” LAWS AND ONLY PURSUANT TO RULE 144A UNDER THE SECURITIES ACT (“RULE 144A”) TO A PERSON THAT THE HOLDER REASONABLY BELIEVES IS A
QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A “QIB”), PURCHASING FOR ITS OWN ACCOUNT OR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED THAT THE REOFFER, RESALE OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE
144A.” 
  

	 	12.	The Transferee is not purchasing or holding the Certificates (or any interest therein) by or for the account of or with the assets of (a) an employee benefit plan
(as defined in Section 3(3) of ERISA), which is subject to the provisions of Title I of ERISA, (b) a plan described in Section 4975 of the Code, which is subject to Section 4975 of the Code, (c) an entity whose underlying
assets include plan assets by reason of an employee benefit plan’s or plan’s investment in the entity or (d) a governmental, church, non-U.S. or other plan that is subject to any Similar Law. 


 

	 	13.	 The Transferee has provided to the Owner Trustee, the Administrator and the Certificate Paying Agent two properly completed and duly executed originals
of (i) U.S. Internal Revenue Service Form W-9 (or applicable successor form) certifying that it is not subject to backup withholding or (ii) the applicable U.S. Internal Revenue Form W-8BEN (Certification of Foreign Status as Beneficial
Owner), IRS Form W-8IMY (Certification of Foreign Intermediary Status) or IRS Form W-8ECI (Certification of Foreign Person’s Claim for Exemption from Withholding on Income Effectively Connected with Conduct of a U.S. Trade or Business), or any
successors to 



  

					
		 	B-3	 	 Amended and Restated
 Trust Agreement (2013-A)











	 	
such IRS forms, and a statement certifying that it is not a “controlled foreign corporation” that is related to the Issuer, within the meaning of section 881(c)(3)(C) of the Code.


  

	 	14.	The Transferee agrees to provide to the Issuer and the Owner Trustee, on or prior to, and after, the date of its acquisition of a Certificate or beneficial interest in
a Certificate, any information requested by the Issuer and the Owner Trustee as is necessary (as determined by the Issuer or the Owner Trustee, as applicable, based on the advice of counsel or such other information as they deem necessary or
advisable) for the Issuer and the Owner Trustee to determine the obligations of any party under the Trust Agreement pursuant to Code sections 1471-1474 (the “FATCA Provisions”), including whether such Transferee is a U.S.
Person or a non-U.S. person, and if such Transferee is a non-U.S. person whether it is a foreign financial institution (“FFI”) as defined in Code section 1471(d)(4) or a non-financial foreign entity as defined in Code section
1472(d) (“non-FFI”). 

  

	 	15.	The Transferee agrees that (A) if it is, or would be, a FFI, the Transferee represents to the Issuer and Owner Trustee that it has met (or will meet as soon as
applicable guidance is issued by the Internal Revenue Service) the reporting requirements of Code section 1471(b) (“FFI Reporting Obligations”), and the Transferee further represents and agrees that it shall continue to meet
its FFI Reporting Obligations and has not made (and will not make) the election to be withheld upon pursuant to Code section 1471(b)(3); or (B) if it is, or would be, a non-FFI the Transferee, when applicable law requires a non-FFI to
meet the reporting requirements of Code section 1472(b), either (i) hereby represents to the Issuer and Owner Trustee that it does not have (or will not have as soon as applicable guidance is issued by the Internal Revenue Service) any
substantial United States owners within the meaning of Code section 1472(b)(1)(A) or (ii) shall provide to the Issuer and Owner Trustee the name, address, and taxpayer identification number of each of its substantial United States owners and
any other information required by Code section 1472. 

  

	 	16.	The Transferee acknowledges that the Issuer may provide the information provided in paragraphs 14 and 15 above and any other information concerning the
Transferee’s investment in the Certificates to the U.S. Internal Revenue Service and the Transferee understands and acknowledges that the Issuer has the right, under the Trust Agreement, to withhold on any beneficial owner of an interest in a
Certificate that fails to comply with the foregoing requirements in paragraphs 14 and 15 above. 

  

	 	17.	The Transferee acknowledges that the Issuer, the Owner Trustee, the Placement Agent and others will rely upon the truth and accuracy of the foregoing acknowledgements,
representations, warranties and agreements and agrees that if any of the acknowledgments, representations, warranties or agreements made by it in connection with its purchase of the Certificates are no longer accurate, the Transferee will promptly
notify the Issuer, the Owner Trustee and the Placement Agent. 


  

					
		 	B-4	 	 Amended and Restated
 Trust Agreement (2013-A)











	 	18.	The Transferee hereby acknowledges and agrees that its purchase or acquisition of the Certificates is subject to the confidentiality terms set forth in a
confidentiality agreement in a form acceptable to the Depositor, the Bank and Credit Suisse Securities (USA) LLC to be attached hereto. 

 This letter is not a commitment by the Transferee to purchase any Certificate or a commitment by the Placement Agent, the Depositor or the Issuer to sell any Certificate to the Transferee.

 You are entitled to rely upon this letter and you are irrevocably authorized to produce this letter or a copy hereof to any interested
party in any administrative or legal proceeding or official inquiry with respect to the matters covered hereby. 
 [Signature
Page Follows] 

  

					
		 	B-5	 	 Amended and Restated
 Trust Agreement (2013-A)










 Any photocopy, facsimile or other copy of this letter shall be deemed of equal effect as a
signed original. 
  

							
		 		 	Executed by
			
		 		 	  

		 		 	Name of Transferee
				
		 		 	By:	 	  

		 		 	Name:	 	
		 		 	Title:	 	

  

									
			
	Transferee’s Address:	  	  
	 	
		  	  
	 	
		  	  
	 	
		  	  
	 	
	 Telephone:
	  	  
	 	
			
	 Facsimile:
	  	  
	 	


  

					
		 	B-6	 	 Amended and Restated
 Trust Agreement (2013-A)










 EXHIBIT C 
 FORM OF NOTICE OF REQUESTS TO REPURCHASE RECEIVABLES 

[                    
], 2013 
 [Depositor] 
 [Servicer]

  

	 	Re:	Fifth Third Auto Trust 2013-A – Notice of Requests to Repurchase Receivables 


Reference is hereby made to the Amended and Restated Trust Agreement, dated as of March 28, 2013 (the “Trust Agreement”),
between Fifth Third Holdings Funding, LLC, as depositor (the “Depositor”), and Wilmington Trust, National Association, as owner trustee (the “Owner Trustee”). Capitalized terms used herein and not otherwise defined shall have the
meanings assigned such terms in the Trust Agreement. This Notice is being delivered pursuant to Section 11.15 of the Trust Agreement. 
 The Owner Trustee hereby certifies as to the checked option below: 

[    ] During the period from and including
[                    ] to but excluding
[                    ], the Owner Trustee received no requests from the holders of any of the Notes or Certificates outstanding during that period
requesting that any Receivables be repurchased with respect to such Notes or Certificates. 
 [    ] During
the period from and including [                    ] to but excluding
[                    ], the Owner Trustee received one or more requests from the holders of any of the Notes or Certificates outstanding during that
period requesting that any Receivables be repurchased with respect to such Notes or Certificates. Copies of such requests received in writing are attached hereto, and details of any such requests received orally are as set forth below: 

Date of Request 

Number of Receivables 
 Aggregate Principal Balance of Receivables Subject to Request 
 [REMINDER OF PAGE
INTENTIONALLY LEFT BLANK] 

  

					
		 	C-1	 	 Amended and Restated
 Trust Agreement (2013-A)










 
			
	WILMINGTON TRUST, NATIONAL ASSOCIATION
	not in its individual capacity but solely as Owner Trustee
		
	By:	 	  

	Name:	 	
	Title:	 	



  

					
		 	C-2	 	 Amended and Restated
 Trust Agreement (2013-A)










 EXHIBIT D 
 FORM OF REGISTRATION OF CERTIFICATE TRANSFER DIRECTION LETTER 
 PURSUANT
TO THE TRUST AGREEMENT 

[                    ], 2013

 Wilmington Trust, National Association 
 as Certificate Registrar and Owner Trustee 
 of Fifth Third Auto Trust 2013-A 

Rodney Square North 
 1100 North Market Street

 Wilmington, DE 19890-0001 

Attention: Corporate Trust Administration 
 Reference is hereby made to the Amended and Restated Trust Agreement, dated as of March 28, 2013 (the “Trust Agreement”), between Fifth Third Holdings Funding, LLC, as Depositor (the
“Depositor”), and Wilmington Trust, National Association, as Owner Trustee (the “Owner Trustee”), governing Fifth Third Auto Trust 2013-A (the “Issuer”). Capitalized terms not defined herein shall have the
meanings assigned to such terms in the Trust Agreement. 
 You are hereby notified that [name of Transferor] (the
“Transferor”) has transferred its [    ]% beneficial interest in the Issuer evidenced by Certificate No.             . Enclosed, please find the
following documentation as required by the Trust Agreement: 
  

	 	1.	Original Certificate No. R-[    ] for cancellation; 

  

	 	2.	Written instrument of transfer executed by Transferor with signature medallion guaranteed;1 

  

	 	3.	Incumbency certificate of Transferor certified by an officer of the Transferor; 


 

	 	4.	Certificate Investor Representation Letter executed by Transferee; 

  

	 	5.	[FormW-9][Form W-8BEN][Form W-8ECI][Form W-8IMY][applicable successor form] of Transferee. 

 You are hereby directed, as Owner Trustee and Certificate Registrar, to take the following actions to register the certificate transfer in the order enumerated below: 

 

	 	(a)	cancel and dispose of, in accordance with the customary practices of the Owner Trustee, the Certificate representing [    ] Percentage


  

	1 	 [Please use form of Assignment attached to the back of the Form of Certificate on Exhibit A of the Trust Agreement.]




  

					
		 	D-1	 	 Amended and Restated
 Trust Agreement (2013-A)











	 	
Interest in the Issuer, bearing certificate number R-    , registered in the name of the Transferor; 


 

	 	(b)	execute and authenticate one or more Certificates, as specified in Schedule A hereto, representing the relevant Percentage Interest in the Issuer specified in
Schedule A hereto, bearing such appropriate certificate number as determined by the Certificate Registrar and to register said Certificate in the name of the Transferee specified in the corresponding column on Schedule A hereto; and


  

	 	(c)	to deliver said authenticated Certificates to the addresses specified in the corresponding column on Schedule A hereto. 


The wire instructions of each Certificateholder are set forth on Schedule A hereto. 

The undersigned Transferee hereby certifies to the Owner Trustee that (i) the transfer requested hereby does not violate any of the
transfer restrictions stated in the Trust Agreement, including but not limited to clauses (d) and (e) of Section 3.5 thereof and (ii) the Transferee is not a “controlled foreign corporation” described in
Section 881(c)(3)(C) of the Internal Revenue Code of 1986. 
 [Signature Page Follows] 

  

					
		 	D-2	 	 Amended and Restated
 Trust Agreement (2013-A)










 
			
	[TRANSFEROR]
		
	By:	 	  

	Name:	 	
	Title:	 	
	
	[TRANSFEREE]
		
	By:	 	  

	Name:	 	
	Title:	 	



  

					
		 	D-3	 	 Amended and Restated
 Trust Agreement (2013-A)










 SCHEDULE A 
 [To be updated] 
  

									
	 Name of
 Transferee
	  	 Tax ID Number

of Transferee
	  	 Percentage

Interest2
	  	 Delivery

Address
	  	 Wire

Instructions

		  		  		  		  	
		  		  		  		  	
		  		  		  		  	
		  		  		  		  	

  

	2 	Aggregate Percentage Interest of new Certificates must match the Percentage Interest of the transferred Certificate being cancelled pursuant to (a) above.



  

					
		 	D-4	 	 Amended and Restated
 Trust Agreement (2013-A)










 EXHIBIT E 
 FORM OF OWNER TRUSTEE’S ANNUAL CERTIFICATION 
 REGARDING
ITEM 1117 AND ITEM 1119 OF REGULATION AB 
 Reference is made to the Form 10-K of Fifth Third Auto Trust
2013-A (the “Form 10-K”) for the fiscal year ended December 31, 20[    ]. Capitalized terms used but not otherwise defined herein shall have the respective meanings given to them in the Form 10-K.

 Wilmington Trust, National Association, a national banking association (“WTNA”), does hereby certify to the
Sponsor, the Depositor and the Issuing Entity that: 
 1. As of the date of the Form 10-K, there are no pending legal
Proceedings against WTNA or Proceedings known to be contemplated by governmental authorities against WTNA that would be material to the investors in the Notes. 
 2. As of the date of the Form 10-K, there are no affiliations, as contemplated by Item 1119 of Regulation AB, between WTNA and any of Fifth Third Bank, Fifth Third Holdings, LLC, Fifth Third
Holdings Funding, LLC, Deutsche Bank Trust Company Americas (the “Indenture Trustee”) and the Issuing Entity, or any affiliates of such parties. 
 IN WITNESS WHEREOF, WTNA has caused this certificate to be executed in its corporate name by an officer thereunto duly authorized. 
 Dated:                     , 20[    ] 

 

			
	WILMINGTON TRUST, NATIONAL ASSOCIATION,
	as Owner Trustee
		
	By:	 	  

	Name:	 	
	Title:	 	



  

					
		 	E-1	 	 Amended and Restated
 Trust Agreement (2013-A)