EX-10.21



 Exhibit 10.21 

ENFORCEMENT PARTY SUPPLEMENT TO 

MASTER COLLECTION ACCOUNT TRUST AGREEMENT 

This ENFORCEMENT PARTY SUPPLEMENT to the Master Collection Account Trust Agreement, dated as of February 8, 2012 (as heretofore amended,
restated, supplemented or otherwise modified from time to time in accordance with the terms thereof, the “Master Collection Account Trust Agreement”), among CarFinance Capital LLC (“CF Capital”), CFC Funding LLC,
Wells Fargo Bank, National Association, as the Master Collection Account Trustee, the CF Finance Parties party thereto and the Enforcement Parties party thereto, is entered into as of April 27, 2015, among CF Capital, the Master Collection
Account Trustee, Wells Fargo Bank, National Association, as Administrative Agent under the Warehouse Agreement (as such terms are defined below), as an Enforcement Party (the “New Enforcement Party”), as the assignee of FCA Funding
I LLC, as borrower, pursuant to the Warehouse Agreement, and each CF Finance Party specified in Section 4 below. 
 WHEREAS, CF
Capital, the Master Collection Account Trustee, the various CF Finance Parties and the various Enforcement Parties have entered into the Master Collection Account Trust Agreement and now desire to add an additional party to such Agreement. 

NOW, THEREFORE, the parties hereto agree as follows: 

SECTION 1. Definitions. All capitalized terms used but not defined herein shall have the meanings assigned to such terms in the Master
Collection Account Trust Agreement. 
 SECTION 2. Master Collection Account Trust Agreement. The New Enforcement Party hereby
acknowledges receipt of a copy of the executed Master Collection Account Trust Agreement. The New Enforcement Party hereby becomes (and is hereby designated by CF Capital) an Enforcement Party under the Master Collection Account Trust Agreement. The
New Enforcement Party agrees to be bound by the terms thereof and hereby authorizes the Master Collection Account Trustee to act on its behalf under the Master Collection Account Trust Agreement with respect to its Master Collection Account
Collateral. 
 SECTION 3. Financing Documents. The New Enforcement Party is party to that certain Warehouse Agreement, dated as of
the date hereof (as amended, restated or otherwise modified from time to time, the “Warehouse Agreement”), among FCA Funding I LLC, as borrower, Flagship Credit Acceptance LLC, as servicer, CarFinance Capital LLC, as subservicer,
the conduit lenders from time to time party thereto, the committed lenders from time to time party thereto, the lender group agents from time to time party thereto, Wells Fargo Bank, National Association, as paying agent, backup servicer and
securities intermediary, Deutsche Bank National Trust Company, as collateral custodian (the “Collateral Custodian”), Wells Fargo Bank, National Association, as administrative agent (the “Administrative Agent”) and
Deutsche Bank Securities Inc. and Wells Fargo Securities, LLC, as joint structuring and syndication agents. 
 SECTION 4. CF Finance
Parties. The CF Finance Parties with respect to the New Enforcement Party are FCA Funding I LLC, CF Capital and FC Funding LLC, and each such party hereby so acknowledges. To the extent that any such CF Finance Party is not already a party to
the Master Collection Account Trust Agreement (any such party being referred to herein 







 as a “New CF Finance Party”), such New CF Finance Party hereby (i) acknowledges receipt of
a copy of the executed Master Collection Account Trust Agreement, (ii) becomes (and is hereby designated by CF Capital) a CF Finance Party under the Master Collection Account Trust Agreement, (iii) agrees to be bound by the terms of the
Master Collection Account Trust Agreement and (iv) hereby authorizes the Master Collection Account Trustee to act as contemplated in the Master Collection Account Trust Agreement with respect to the Master Collection Account Collateral. 

SECTION 5. Notice Addresses. Any notice to be given to the New Enforcement Party or any New CF Finance Party shall be sent as set forth
in the Master Collection Account Trust Agreement to the New Enforcement Party or such New CF Finance Party, as applicable, at the address set forth on the signature pages of this Enforcement Party Supplement. 

SECTION 6. Counterparts. This Enforcement Party Supplement may be executed in separate counterparts and by the different parties on
different counterparts, each of which shall constitute an original and all of which when taken together shall constitute one and the same agreement. 

SECTION 7. Bankruptcy Petition Against FCA Funding I LLC. Each of the parties hereto hereby covenants and agrees that, prior to the
date which is one year and one day after the payment in full of all outstanding senior indebtedness of FCA Funding I LLC, such party will not institute against, or join any other Person in instituting against FCA Funding I LLC any bankruptcy,
reorganization, arrangement, insolvency or liquidation proceedings or other similar proceeding under the laws of the United States or any state of the United States. 

SECTION 8. GOVERNING LAW. THE PROVISIONS OF THIS ENFORCEMENT PARTY SUPPLEMENT AND THE MASTER COLLECTION ACCOUNT TRUST AGREEMENT
CREATING A TRUST FOR THE BENEFIT OF THE ENFORCEMENT PARTIES AND SETTING FORTH THE RIGHTS, DUTIES, OBLIGATIONS AND RESPONSIBILITIES OF THE MASTER COLLECTION ACCOUNT TRUSTEE HEREUNDER AND UNDER THE MASTER COLLECTION ACCOUNT TRUST AGREEMENT SHALL BE
GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES. 







 
			
	CARF1NANCE CAPITAL LLC
		
	By:		 /s/ Jeffrey Butcher

	Name:		Jeffrey Butcher
	Title:		Chief Financial Officer
	
	CarFinance Capital LLC
	Attention:		Jeff Butcher
			7525 Irvine Center Drive, Suite 250
			Irvine, California 92618
	Facsimile:		(888) 878-8126
	E-mail:		jeff@carfinance.com


 [FCA Syndicated Warehouse – FCA Funding I LLC Enforcement Party Supplement to MCA] 







 
			
	 WELLS FARGO BANK, NATIONAL ASSOCIATION,

not in its individual capacity but solely as Master
 Collection
Account Trustee

		
	By:		 /s/ Brett Hudson

	Name:		Brett Hudson
	Title:		Vice President
		
	Address:		MAC N9311-161
			 Sixth Street and Marquette Ave.

Minneapolis, MN 55479

	Attention:		Corporate Trust Services –
	Asset-Backed		
			Administration
	Telephone:		(612) 667-8058
	Facsimile:		(612) 667-3464
	
	 WELLS FARGO BANK, NATIONAL ASSOCIATION, as

Administrative Agent

		
	By:		  

	Name:		
	Title:		
		
	Address:		
	Attention:		
	Telephone:		
	 Facsimile:
		


 [FCA Syndicated Warehouse – FCA Funding I LLC Enforcement Party Supplement to MCA] 







 
			
	 WELLS FARGO BANK, NATIONAL ASSOCIATION,

not in its individual capacity but solely as Master
 Collection
Account Trustee

		
	By:		  

	Name:		
	Title:		
		
	Address:		MAC N9311-161
			Sixth Street and Marquette Ave. Minneapolis, MN 55479
	Attention:		 Corporate Trust Services –

	Asset-Backed		
			Administration
	Telephone:		(612) 667-8058
	Facsimile:		(612) 667-3464
	
	 WELLS FARGO BANK, NATIONAL ASSOCIATION, as

Administrative Agent

		
	By:		 /s/ James B. Brinkley II

	Name:		James B. Brinkley II
	Title:		Director
		
	Notice Address:		
	
	 Wells Fargo Bank, National Association

550 S, Tryon Street, 5th Floor

MAC D1086-051
 Charlotte, North Carolina 28202

	 Attention:
		Leah Miller


 [FCA Syndicated Warehouse – FCA Funding I LLC Enforcement Party Supplement to MCA] 







 
			
	FCA FUNDING I LLC
		
	By:		 /s/ Kenneth J. Sicinski

	Name:		Kenneth J. Sicinski
	Title:		Vice President & Secretary
		
	Address:		3 Christy Drive, Suite 201 Chadds Ford, PA 19317
	Attention:		Kenneth J. Sicinski
	Telephone:  		610-717-1911
	Facsimile:		610-717-1919
	
	FC FUNDING LLC
		
	By:		 /s/ Kenneth J. Sicinski

	Name:		Kenneth J. Sicinski
	Title:		Manager
		
	Address:		3 Christy Drive, Suite 201 Chadds Ford, PA 19317
	Attention:		Kenneth J. Sicinski
	Telephone:		610-717-1911
	Facsimile:		610-717-1919


 [FCA Syndicated Warehouse – FCA Funding I LLC Enforcement Party Supplement to MCA]