Exhibit 10.3

  

  Execution Version

    

  

  

  

  

  

  
    DEPOSIT ACCOUNT CONTROL AGREEMENT

    

    

    (Access Restricted after
        Notice)

     

     
     

       

     
    Servicer

     
     

       

     
     

    This Deposit Account Control Agreement (the “Agreement”), dated as of the date specified on the page immediately before the initial signature page of this
      Agreement, is entered into by and among Exeter Automobile Receivables Trust 2022-3, a Delaware statutory trust (“Company”), Exeter Finance LLC, a Delaware limited
      liability company (“Servicer”), Citibank, N.A., as indenture trustee for the benefit of certain noteholders (in such capacity, “Secured Party”) under an indenture dated as of May 30, 2022 (the


      "Indenture"), and Wells Fargo Bank, National Association (“Bank”), and sets forth the rights of Secured Party and the obligations of Bank with respect to the deposit accounts of Company at Bank
      identified at the end of this Agreement as the Collateral Accounts (each hereinafter referred to individually as a “Collateral Account” and collectively as the “Collateral Accounts”).  Each account designated as a Collateral Account
      includes, for purposes of this Agreement, and without the necessity of separately listing subaccount numbers, all subaccounts presently existing or hereafter established for deposit reporting purposes and integrated with the Collateral Account by an
      arrangement in which deposits made through subaccounts are posted only to the Collateral Account.

    

    

    	1.	
            Secured Party’s Interest in Collateral Accounts.  Secured Party represents that it is either (i) a lender who has extended credit to Company and has been
              granted a security interest in the Collateral Accounts or (ii) a trustee for a lender or noteholders and has been granted a security interest in the Collateral Accounts.  Company hereby confirms the security interest granted by Company to
              Secured Party in all of Company’s right, title and interest in and to the Collateral Accounts and all sums now or hereafter on deposit in or payable or withdrawable from the Collateral Accounts (the “Collateral Account Funds”).  In
              furtherance of the intentions of the parties hereto, this Agreement constitutes written notice by Secured Party to Bank of Secured Party's security interest in the Collateral Accounts.

          


    

    

    	2.	
            Secured Party Control.  Bank, Secured Party, Company, and Servicer each agree that Bank will comply with instructions given to Bank by Secured Party
              directing disposition of funds in the Collateral Accounts (“Disposition Instructions”) without further consent by Company or Servicer.  Except as otherwise required by law, Bank will not agree with any third party to comply with
              instructions for disposition of funds in the Collateral Accounts originated by such third party.

          


    

    

    	3.	
            Company Access to Collateral Accounts.  Notwithstanding the provisions of the “Secured Party Control” section of this Agreement, Secured Party agrees that
              Company and Servicer will be allowed access to the Collateral Accounts and Collateral Account Funds until Bank receives, and has had a reasonable opportunity to act on, written notice from Secured Party directing that Company and Servicer no
              longer have access to any Collateral Accounts or Collateral Account Funds (an “Access Termination Notice”).  Company and Servicer irrevocably authorize Bank to comply with any Access Termination Notice and/or Disposition Instructions
              even if Company or Servicer objects to them in any way, and agrees that Bank may pay any and all Collateral

          


     

    

    
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            Account Funds to Secured Party in response to any Disposition Instructions.  Company and Servicer further agree that after Bank receives an Access Termination Notice, neither Company nor Servicer
              will have access to any Collateral Accounts or Collateral Account Funds.

          


    

    

    	4.	
            Transfers in Response to Disposition Instructions.  Notwithstanding the provisions of the “Secured Party Control” section of this Agreement, unless Bank
              separately agrees in writing to the contrary, Bank will have no obligation to disburse funds in response to Disposition Instructions other than by automatic standing wire.  Bank agrees that on each Business Day after it receives and has had a
              reasonable opportunity to act on an Access Termination Notice and corresponding Disposition Instructions it will transfer to the account specified at the end of this Agreement as the Destination Account or, if no account is specified, to such
              account as Secured Party specifies in the Access Termination Notice (in either case, the “Destination Account”) the full amount of the collected and available balance in the Collateral Accounts at the beginning of such Business Day. 
              Any disposition of funds which Bank makes in response to Disposition Instructions is subject to Bank’s standard policies, procedures and documentation governing the type of disposition made; provided, however, that in no circumstances will
              any such disposition require Company’s or Servicer’s consent.  To the extent any Collateral Account is a certificate of deposit or time deposit, Bank will be entitled to deduct any applicable early withdrawal penalty prior to disbursing funds
              from such account in response to Disposition Instructions.  To the extent Secured Party requests that funds be transferred from any Collateral Account in a currency different from the currency denomination of the Collateral Account, the funds
              transfer will be made after currency conversion at Bank’s then current buying rate for exchange applicable to the new currency.

          


    

    

    Company confirms to Secured Party and to Bank, that Company has engaged Servicer as its agent for purposes of acting for Company in accordance with the terms of this
      Agreement.  Company  and Servicer represent and warrant to the Bank that, pursuant to the terms and provisions of agreements between the Company and Servicer, Servicer is the agent for Company, and that as such agent, Servicer is duly authorized to
      exercise all of the rights of Company under this Agreement until such time as Bank shall have received notice from Company delivered in accordance with Section 18 that Servicer no longer has authority to act on Company’s behalf under this Agreement
      and Bank shall have had a reasonable opportunity to act upon such notice.  Notwithstanding the provisions of the preceding sentence, prior to receipt by Bank of an Access Termination Notice and Bank having had a reasonable opportunity to act on such
      Access Termination Notice, Bank shall be entitled to honor and follow any instruction that Bank shall receive directly from Company in connection with this Agreement rather than through Servicer or if such instruction by Servicer shall be contrary to
      or different from any instruction that Bank shall receive from Company. The liability of Company and Servicer under this Agreement shall be joint and several.

    

    

    	5.	
            Lockboxes.  To the extent items deposited to a Collateral Account have been received in one or more post office lockboxes maintained for Company by Bank
              (each a “Lockbox”) and processed by Bank for deposit, Company acknowledges that Company has granted Secured Party a security interest in all such items (the “Remittances”).  Company and Servicer agree that after Bank receives an
              Access Termination Notice, neither Company nor Servicer will have any further right or ability to instruct Bank regarding the receipt, processing or deposit of Remittances, and that Secured Party alone will have the right and ability to so
              instruct Bank.  Company, Servicer and Secured Party acknowledge and agree that Bank’s operation of each Lockbox, and the receipt, retrieval, processing and deposit of Remittances, will at all times be governed by Bank’s Master Agreement for
              Treasury Management Services or other applicable

          


     

    

    
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            treasury management services agreement, and by Bank’s applicable standard lockbox Service Description.

          


    

    

    	6.	
            Balance Reports and Bank Statements.  Bank agrees, at the request of Secured Party on any day on which Bank is open to conduct its regular banking
              business, other than a Saturday, Sunday or public holiday (each a “Business Day”), to make available to Secured Party a report (“Balance Report”) showing the opening available balance in the Collateral Accounts as of the
              beginning of such Business Day, by a transmission method determined by Bank, in Bank’s sole discretion.  Company and Servicer expressly consent to this transmission of information.  After Bank receives an Access Termination Notice, Bank will,
              on receiving a written request from Secured Party, send to Secured Party by United States mail, at the address indicated for Secured Party after its signature to this Agreement, duplicate copies of all periodic statements on the Collateral
              Accounts which are subsequently sent to Company.

          


    

    

    	7.	
            Returned Items.  Secured Party, Company and Servicer understand and agree that the face amount (“Returned Item Amount”) of each Returned Item will
              be paid by Bank debiting the Collateral Account to which the Returned Item was originally credited, without prior notice to Secured Party, Company or Servicer.  As used in this Agreement, the term “Returned Item” means (i) any item
              deposited to a Collateral Account and returned unpaid, whether for insufficient funds or for any other reason, and without regard to timeliness of the return or the occurrence or timeliness of any drawee’s notice of non-payment; (ii) any item
              subject to a claim against Bank of breach of transfer or presentment warranty under the Uniform Commercial Code (as adopted in the applicable state) or Regulation CC (12 C.F.R. §229), as in effect from time to time; (iii) any automated
              clearing house (“ACH”) entry credited to a Collateral Account and returned unpaid or subject to an adjustment entry under applicable clearing house rules, whether for insufficient funds or for any other reason, and without regard to
              timeliness of the return or adjustment; (iv) any credit to a Collateral Account from a merchant card transaction, against which a contractual demand for chargeback has been made; and (v) any credit to a Collateral Account made in error. 
              Company and Servicer agree to pay all Returned Item Amounts immediately on demand, without setoff or counterclaim, to the extent there are not sufficient funds in the applicable Collateral Account to cover the Returned Item Amounts on the day
              Bank attempts to debit them from the Collateral Account.  After Bank receives an Access Termination Notice, Secured Party agrees to pay all Returned Item Amounts within fifteen (15) calendar days after demand, without setoff or counterclaim,
              to the extent that (i) the Returned Item Amounts are not paid in full by Company or Servicer within five (5) calendar days after demand on Company and Servicer by Bank, and (ii) Secured Party has received proceeds from the corresponding
              Returned Items under this Agreement.

          


    

    

    	8.	
            Settlement Items.  Secured Party, Company and Servicer understand and agree that the face amount (“Settlement Item Amount”) of each Settlement Item
              will be paid by Bank debiting the applicable Collateral Account, without prior notice to Secured Party, Company or Servicer.  As used in this Agreement, the term “Settlement Item” means (i) each check or other payment order drawn on or
              payable against any controlled disbursement account or other deposit account at any time linked to any Collateral Account by a zero balance account connection or other automated funding mechanism (each a “Linked Account”), which Bank
              cashes or exchanges for a cashier’s check or official check in the ordinary course of business prior to receiving an Access Termination Notice and having had a reasonable opportunity to act on it, and which is presented for settlement against
              the Collateral Account (after having been presented against the Linked Account) after Bank receives the Access Termination Notice, (ii) each check or other payment order drawn on or payable against a Collateral Account, which, on the Business
              Day Bank receives an Access Termination Notice, Bank cashes or exchanges for a cashier’s check or official check in the ordinary course of business after Bank’s cutoff time for posting, (iii) each ACH credit entry initiated by Bank, as
              originating depository financial

          


     

    

    
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            institution, on behalf of Company, as originator, prior to Bank having received an Access Termination Notice and having had a reasonable opportunity to act on it, which ACH credit entry settles
              after Bank receives an Access Termination Notice, and (iv) any other payment order drawn on or payable against a Collateral Account or any Linked Account, which Bank has paid or funded prior to receiving an Access Termination Notice and
              having had a reasonable opportunity to act on it, and which is first presented for settlement against the Collateral Account in the ordinary course of business after Bank receives the Access Termination Notice and has transferred Collateral
              Account Funds to Secured Party under this Agreement.  Company and Servicer agree to pay all Settlement Item Amounts immediately on demand, without setoff or counterclaim, to the extent there are not sufficient funds in the applicable
              Collateral Account to cover the Settlement Item Amounts on the day they are to be debited from the Collateral Account.  Secured Party agrees to pay all Settlement Item Amounts within fifteen (15) calendar days after demand, without setoff or
              counterclaim, to the extent that (i) the Settlement Item Amounts are not paid in full by Company or Servicer within five (5) calendar days after demand on Company and Servicer by Bank, and (ii) Secured Party has received Collateral Account
              Funds under this Agreement.

          


    

    

    	9.	
            Bank Fees.  Company and Servicer agree to pay all Bank’s fees and charges for the maintenance and administration of the Collateral Accounts and for the
              treasury management and other account services provided with respect to the Collateral Accounts and any Lockboxes (collectively “Bank Fees”), including, but not limited to, the fees for (a) Balance Reports provided on the Collateral
              Accounts, (b) funds transfer services received with respect to the Collateral Accounts, (c) lockbox processing services, (d) Returned Items, (e) funds advanced to cover overdrafts in the Collateral Accounts (but without Bank being in any way
              obligated to make any such advances), and (f) duplicate bank statements.  The Bank Fees will be paid by Bank debiting Servicer's deposit account No. 4122039233 with Bank (the "Servicing Account") on the Business Day that the Bank Fees are
              due, without notice to Secured Party, Company or Servicer.  To the extent there are not sufficient funds in the Servicing Account to pay in full all Bank Fees, the Bank Fees will be paid by Bank debiting one or more of the Collateral Accounts
              on the Business Day that the Bank Fees are due, without notice to Secured Party, Company or Servicer.  If there are not sufficient funds in the Servicing Account or the Collateral Accounts to cover fully the Bank Fees on the Business Day Bank
              attempts to debit them from the Servicing Account or the Collateral Accounts, such shortfall or the amount of such Bank Fees will be paid by Company or Servicer to Bank, without setoff or counterclaim, within five (5) calendar days after
              demand from Bank.  Secured Party agrees to pay any Bank Fees within fifteen (15) calendar days after demand, without setoff or counterclaim, to the extent such Bank Fees are not paid in full by Company or Servicer within five (5) calendar
              days after demand on Company and Servicer by Bank.

          


    

    

    	10.	
            Account Documentation.  Except as specifically provided in this Agreement, Secured Party, Company and Servicer agree that the Collateral Accounts will be
              subject to, and Bank’s operation of the Collateral Accounts will be in accordance with, the terms of Bank’s applicable deposit account agreement governing the Collateral Accounts (“Account Agreement”). All documentation referenced in
              this Agreement as governing any Collateral Account or the processing of any Remittances is hereinafter collectively referred to as the “Account Documentation”.

          


    

    

    	11.	
            Partial Subordination of Bank’s Rights.  Bank hereby subordinates to the security interest of Secured Party in the Collateral Accounts (i) any security
              interest which Bank may have or acquire in the Collateral Accounts, and (ii) any right which Bank may have or acquire to set off or otherwise apply any Collateral Account Funds against the payment of any indebtedness from time to time owing
              to Bank from Company, except for debits to the Collateral Accounts

          


     

    

    
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            permitted under this Agreement for the payment of Returned Item Amounts, Settlement Item Amounts or Bank Fees.

          


    

    

    	12.	
            Bankruptcy Notice; Effect of Filing.  If Bank at any time receives notice of the commencement of a bankruptcy case or other insolvency or liquidation
              proceeding by or against Company or Servicer, Bank will continue to comply with its obligations under this Agreement, except to the extent that any action required of Bank under this Agreement is prohibited under applicable bankruptcy laws or
              regulations or is stayed pursuant to the automatic stay imposed under the United States Bankruptcy Code or by order of any court or agency.  With respect to any obligation of Secured Party hereunder which requires prior demand on Company or
              Servicer, the commencement of a bankruptcy case or other insolvency or liquidation proceeding by or against Company or Servicer will automatically eliminate the necessity of such demand on Company or Servicer by Bank, and will immediately
              entitle Bank to make demand on Secured Party with the same effect as if demand had been made on Company or Servicer and the time for Company’s or Servicer’s performance had expired.

          


    

    

    	13.	
            Legal Process, Legal Notices and Court Orders.  Bank will comply with any legal process, legal notice or court order it receives in relation to a
              Collateral Account if Bank determines in its sole discretion that the legal process, legal notice or court order is legally binding on it.

          


    

    

    	14.	
            Indemnification.  Company and Servicer will indemnify, defend and hold harmless Bank, its officers, directors, employees, and agents (collectively, the “Indemnified


                Parties”) from and against any and all claims, demands, losses, liabilities, damages, costs and expenses (including reasonable attorneys’ fees) (collectively “Losses and Liabilities”) Bank may suffer or incur as a result of or in
              connection with (a) Bank complying with any binding legal process, legal notice or court order referred to in the immediately preceding section of this Agreement, (b) Bank following any instruction or request of Secured Party, including but
              not limited to any Access Termination Notice or Disposition Instructions, or (c) Bank complying with its obligations under this Agreement, except to the extent such Losses and Liabilities are caused by Bank’s gross negligence or willful
              misconduct.  To the extent such obligations of indemnity are not satisfied by Company or Servicer within five (5) days after demand on Company and Servicer by Bank, Secured Party will indemnify, defend and hold harmless Bank and the other
              Indemnified Parties against any and all Losses and Liabilities Bank may suffer or incur as a result of or in connection with Bank following any instruction or request of Secured Party, except to the extent such Losses and Liabilities are
              caused by Bank’s gross negligence or willful misconduct.

          


    

    

    	15.	
            Bank’s Responsibility.  This Agreement does not create any obligations of Bank, and Bank makes no express or implied representations or warranties with
              respect to its obligations under this Agreement, except for those expressly set forth herein. In particular, Bank need not investigate whether Secured Party is entitled under Secured Party’s agreements with Company or Servicer to give an
              Access Termination Notice or Disposition Instructions.  Bank may rely on any and all notices and communications it believes are given by the appropriate party.  Bank will not be liable to Company, Servicer, Secured Party or any other party
              for any Losses and Liabilities caused by (i) circumstances beyond Bank’s reasonable control (including, without limitation, computer malfunctions, interruptions of communication facilities, labor difficulties, acts of God, wars, or terrorist
              attacks) or (ii) any other circumstances, except to the extent that such Losses and Liabilities are directly caused by Bank’s gross negligence or willful misconduct.  In no event will Bank be liable
              for any indirect, special, consequential or punitive damages, whether or not the likelihood of such damages was known to Bank, and regardless of the form of the claim or action, or the legal theory on which it is based.  Any action against
              Bank by

          


     

    

    
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            Company, Servicer or Secured Party under or related to this Agreement must be brought within twelve (12) months after the cause of action accrues.

          


    

    

    	16.	
            Termination.  This Agreement may be terminated by Secured Party or Bank at any time by either of them giving thirty (30) calendar days prior written notice
              of such termination to the other parties to this Agreement at their contact addresses specified after their signatures to this Agreement; provided, however, that this Agreement may be terminated immediately upon written notice (i) from Bank
              to Company, Servicer and Secured Party should Company, Servicer or Secured Party fail to make any payment when due to Bank from Company, Servicer or Secured Party under the terms of this Agreement, or (ii) from Secured Party to Bank on
              termination or release of Secured Party’s security interest in the Collateral Accounts; provided that any notice from Secured Party under clause (ii) of this sentence must contain Secured Party’s acknowledgement of the termination or release
              of its security interest in the Collateral Accounts.  Neither Company nor Servicer may terminate this Agreement without the prior written consent of Secured Party and Bank.  Company’s, Servicer’s and Secured Party’s respective obligations to
              report errors in funds transfers and bank statements and to pay Returned Item Amounts, Settlement Item Amounts, and Bank Fees, as well as the indemnifications made, and the limitations on the liability of Bank accepted, by Company, Servicer
              and Secured Party under this Agreement will continue after the termination of this Agreement with respect to all the circumstances to which they are applicable, existing or occurring before such termination, and any liability of any party to
              this Agreement, as determined under the provisions of this Agreement, with respect to acts or omissions of such party prior to such termination will also survive such termination.  Upon any termination of this Agreement which occurs after
              Bank has received an Access Termination Notice and has had a reasonable opportunity to act on it, (i) Bank will transfer all collected and available balances in the Collateral Accounts on the date of such termination in accordance with
              Secured Party’s written instructions, and (ii) Bank will close any Lockbox and forward any mail received at the Lockbox unopened to such address as is communicated to Bank by Secured Party under the notice provisions of this Agreement for a
              period of three (3) months after the effective termination date, unless otherwise arranged between Secured Party and Bank, provided that Bank’s fees with respect to such disposition must be prepaid directly to Bank at the time of termination
              by cashier’s check payable to Bank or other payment method acceptable to Bank in its sole discretion.

          


    

    

    	17.	
            Modifications, Amendments, and Waivers.  This Agreement may not be modified or amended, or any provision thereof waived, except in a writing signed by all
              the parties to this Agreement.

          


    

    

    	18.	
            Notices.  All notices from one party to another must be in writing, must be delivered to Company, Servicer, Secured Party and/or Bank at their contact
              addresses specified after their signatures to this Agreement, or any other address of any party communicated to the other parties in writing, and will be effective on receipt.  Any notice sent by a party to this Agreement to another party
              must also be sent to all other parties to this Agreement.  Bank is authorized by Company. Servicer and Secured Party to act on any instructions or notices received by Bank if (a) such instructions or notices purport to be made in the name of
              Secured Party, (b) Bank reasonably believes that they are so made, and (c) they do not conflict with the terms of this Agreement as such terms may be amended from time to time, unless such conflicting instructions or notices are supported by
              a court order.

          


    

    

    
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    	19.	
            Successors and Assigns.  Neither Company, Servicer nor Secured Party may assign or transfer its rights or obligations under this Agreement to any person or
              entity without the prior written consent of Bank, which consent will not be unreasonably withheld or delayed.  Notwithstanding the foregoing, Secured Party may transfer its rights and duties under this Agreement to (i) a transferee to which,
              by contract or operation of law, Secured Party transfers substantially all of its rights and duties under the financing or other arrangements between Secured Party, Servicer and Company, or (ii) if Secured Party is acting as a representative
              in whose favor a security interest is created or provided for, a transferee that is a successor representative; provided that as between Bank and Secured Party, Secured Party will not be released from its obligations under this Agreement
              unless and until Bank receives any such transferee’s binding written agreement to assume all of Secured Party’s obligations hereunder.  Bank may not assign or transfer its rights or obligations under this Agreement to any person or entity
              without the prior written consent of Secured Party, which consent will not be unreasonably withheld or delayed; provided, however, that no such consent will be required if such assignment or transfer takes place as part of a merger,
              acquisition or corporate reorganization affecting Bank.

          


    

    

    	20.	
            Governing Law.  This Agreement will be governed by and be construed in accordance with the laws of the State of New York,
                without regard to conflict of laws principles.  The State of New York will also be deemed to be Bank’s jurisdiction, for purposes of Article 9 of the Uniform Commercial Code as it applies to this Agreement.

          


    

    

    	21.	
            Severability.  To the extent that the terms of this Agreement are inconsistent with, or prohibited or unenforceable under, any applicable law or
              regulation, they will be deemed ineffective only to the extent of such prohibition or unenforceability, and will be deemed modified and applied in a manner consistent with such law or regulation.  Any provision of this Agreement which is
              deemed unenforceable or invalid in any jurisdiction will not affect the enforceability or validity of the remaining provisions of this Agreement or the same provision in any other jurisdiction.

          


    

    

    	22.	
            Counterparts.  This Agreement and any notices delivered under this Agreement, including, without limitation, an Access Termination Notice, may be executed
              by means of (a) an electronic signature that complies with the federal Electronic Signatures in Global and National Commerce Act, state enactments of the Uniform Electronic Transactions Act, or any other relevant and applicable electronic
              signatures law; (b) an original manual signature; or (c) a faxed, scanned, or photocopied manual signature.  Each electronic signature or faxed, scanned, or photocopied manual signature shall for all purposes have the same validity, legal
              effect, and admissibility in evidence as an original manual signature.  Bank reserves the right, in its sole discretion, to accept, deny, or condition acceptance of any electronic signature on this Agreement or on any notice delivered to Bank
              under this Agreement, including, without limitation, an Access Termination Notice.  This Agreement and any notices delivered under this Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original,
              but such counterparts shall, together, constitute only one instrument.  Delivery of an executed counterpart of a signature page of this Agreement and any notices as set forth herein will be as effective as delivery of a manually executed
              counterpart of the Agreement or notice.

          


    

    

    	23.	
            Entire Agreement.  This Agreement, together with the Account Documentation, contains the entire and only agreement among all the parties to this Agreement
              and between Bank and Company, Bank and Servicer, and Bank and Secured Party, with respect to (a) the interest of Secured Party in the Collateral Accounts and Collateral Account Funds, and (b) Bank’s

          


     

    

    
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            obligations to Secured Party in connection with the Collateral Accounts and Collateral Account Funds.

          


    

    

    	24.	
            Limitation of Liability of Wilmington Trust Company.  It is expressly understood and agreed by the parties hereto that (a) this Agreement is executed and
              delivered by Wilmington Trust Company not individually or personally but solely as trustee of Company, in the exercise of the powers and authority conferred and vested in it under the Amended and Restated Trust Agreement of Exeter Automobile
              Receivables Trust 2022-3 dated as of May 30, 2022, between EFCAR, LLC, as seller, and Wilmington Trust Company, as owner trustee, (b) each of the representations, undertakings and agreements herein made on the part of Company is made and
              intended not as personal representations, undertakings and agreements by Wilmington Trust Company but is made and intended for the purpose of binding only Company, (c) nothing herein contained shall be construed as creating any liability on
              Wilmington Trust Company, individually or personally, to perform any covenant either expressed or implied contained herein, all such liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or
              under the parties hereto, (d) Wilmington Trust Company has made no investigation as to the accuracy or completeness of any representations or warranties made by Company in this Agreement, and (e) under no circumstances shall Wilmington Trust
              Company be personally liable for the payment of any indebtedness or expenses of Company or be liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by Company under this Agreement or any
              other related documents.

          


    

    

    	25.	
            Liability of Citibank, N.A.  Notwithstanding anything herein or otherwise to the contrary, any amounts that may be
              due from Citibank, N.A. ("Citibank") to Bank hereunder are payable only from proceeds held by, or otherwise from the funds available to Citibank in its capacity as Indenture Trustee pursuant to the Indenture, and not from the individual or
              company assets of Citibank.

          


     

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    
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    This Agreement has been signed by the duly authorized officers or representatives of Company, Servicer, Secured Party and Bank on the date specified below.

    

    

    	
            Date:  June 22, 2022

             

          
	
            Collateral Account Numbers:

          	
            4673444170

          
	
            Destination Account Number:

          	
            13300000

          
	
            Bank of Destination Account:

              Account name:

              Reference Data:

              

              Frequency (Daily or Weekly):

              Balance (Intraday or Start of Day):

          	
            Citibank, N.A., ABA 021-000-089

            Exeter 2022-3 Collection Account

            Acct# 13300000 Exeter 2022-3 Collection Account, Attn: Marta Yackel-973.461.7167

            Daily

            Start of Day

             

            

          


    

    

    [SIGNATURE PAGES FOLLOW]

     

    

     

    

     

    

     

    

     

    

     

    

     

    

     

    

    

      

      

      

      

      

      

      

      

      

      

    

    
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            EXETER AUTOMOBILE RECEIVABLES TRUST 2022-3

             

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

          	 	
            CITIBANK, N.A., as Indenture Trustee, as Secured Party

          
	
            By:   /s/ Charlene Swinson

          	 	
            By:   /s/ Jennifer H. McCourt

          
	
            Name:  Charlene Swinson

          	 	
            Name:  Jennifer H. McCourt

          
	
            Title:  Assistant Vice President

            

          	 	
            Title:  Senior Trust Officer

          


    

    

    	
            Address for Notices:

          	 	
            Address for Notices:

          
	
            Exeter Automobile Receivables Trust 2022-3

          	 	
            Citi Agency & Trust

          
	
            2101 W. John Carpenter Freeway

          	 	
            17400 Brookhurst Street, Suite 207

          
	
            Irving, Texas  75063

          	 	
            Fountain Valley, California  92708

          
	
            Attn:  Brett Bradley

          	 	
            Attn:  Citibank Agency & Trust, EART 2022-3

          
	
            Fax:  214.572.6798

          	 	
            Fax:  None

          


    

    

    

    

    

    

    [SIGNATURE PAGES CONTINUE]

     

    

     

    

     

    

     

    

    
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            WELLS FARGO BANK, NATIONAL ASSOCIATION

          	 	
            EXETER FINANCE LLC, as Servicer

          
	
            By:   /s/ Timothy P. Olson

          	 	
            By:  /s/ Ben Miller

          
	
            Name:  Timothy P. Olson

            

          	 	
            Name:  Ben Miller

          
	
            Title:  Director

            

          	 	
            Title:  Executive Vice President and Treasurer

          


    

    

    	
            Address for Notices:

          	 	
            Address for Notices:

          
	
            Wells Fargo Bank, National Association

          	 	
            Exeter Finance LLC

          
	
            Mail Address Code:  D1129-072

          	 	
            2101 W. John Carpenter Freeway

          
	
            301 South Tryon Street, 7th Floor

          	 	
            Irving, Texas  75063

          
	
            Charlotte, North Carolina 28282-1915

          	 	
            Attn:  Brett Bradley

          
	
            Attn:  DACA Team

          	 	
            Fax:  214.572.6798

          
	
            Fax:  844.879.6857

          	 	 
	
                    with copy to:

          	 	 
	
            Wells Fargo Bank, National Association

          	 	 
	
            Mail Address Code:  N9305-06H

          	 	 
	
            90 S 7th Street, 6th Floor

          	 	 
	
            Minneapolis, Minnesota  55402

          	 	 
	
            Attn:  Timothy P. Olson

          	 	 
	
            Fax:  None

          	 	 


    

    

    

    

  

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