Document:

EX-10.1

 Exhibit 10.1 
 EXECUTION COPY 
  

 
 SALE AGREEMENT 

dated as of March 28, 2013 
 between 
 FIFTH THIRD HOLDINGS FUNDING, LLC 

and 
 FIFTH
THIRD AUTO TRUST 2013-A 
  
  

 TABLE OF CONTENTS 

 

									
	 	 	 	 	 	  	Page	 
			
	ARTICLE I	 	DEFINITIONS AND USAGE	  	 	1	  
				
		 	SECTION 1.1	 	Definitions	  	 	1	  
		 	SECTION 1.2	 	Other Interpretive Provisions	  	 	1	  
			
	ARTICLE II	 	PURCHASE	  	 	2	  
				
		 	SECTION 2.1	 	Conveyance of Transferred Assets	  	 	2	  
			
	ARTICLE III	 	REPRESENTATIONS, WARRANTIES AND COVENANTS	  	 	2	  
				
		 	SECTION 3.1	 	Representations and Warranties of Seller	  	 	2	  
		 	SECTION 3.2	 	Liability of the Seller	  	 	3	  
		 	SECTION 3.3	 	Merger or Consolidation of, or Assumption of the Obligations of, Seller	  	 	4	  
		 	SECTION 3.4	 	Seller May Own Notes	  	 	5	  
		 	SECTION 3.5	 	Sarbanes-Oxley Act Requirements	  	 	5	  
		 	SECTION 3.6	 	Compliance with Organizational Documents	  	 	5	  
		 	SECTION 3.7	 	Representations and Warranties of the Seller as to each Receivable	  	 	5	  
		 	SECTION 3.8	 	Repurchase upon Breach	  	 	5	  
		 	SECTION 3.9	 	Protection of Title	  	 	6	  
		 	SECTION 3.10	 	Other Liens or Interests	  	 	7	  
		 	SECTION 3.11	 	Perfection Representations, Warranties and Covenants	  	 	7	  
		 	SECTION 3.12	 	Compliance with the FDIC Rule	  	 	7	  
			
	ARTICLE IV	 	MISCELLANEOUS	  	 	7	  
				
		 	SECTION 4.1	 	Transfers Intended as Sale; Security Interest	  	 	7	  
		 	SECTION 4.2	 	Notices, Etc	  	 	8	  
		 	SECTION 4.3	 	Choice of Law	  	 	8	  
		 	SECTION 4.4	 	Headings	  	 	8	  
		 	SECTION 4.5	 	Counterparts	  	 	8	  
		 	SECTION 4.6	 	Amendment	  	 	9	  
		 	SECTION 4.7	 	Waivers	  	 	10	  
		 	SECTION 4.8	 	Entire Agreement	  	 	10	  
		 	SECTION 4.9	 	Severability of Provisions	  	 	10	  
		 	SECTION 4.10	 	Binding Effect	  	 	10	  
		 	SECTION 4.11	 	Acknowledgment and Agreement	  	 	10	  
		 	SECTION 4.12	 	Cumulative Remedies	  	 	10	  
		 	SECTION 4.13	 	Nonpetition Covenant	  	 	11	  
		 	SECTION 4.14	 	Submission to Jurisdiction; Waiver of Jury Trial	  	 	11	  
		 	SECTION 4.15	 	Limitation of Liability of Owner Trustee	  	 	11	  

  

					
		 	i	 	Sale Agreement (2013-A)

 TABLE OF CONTENTS 

(continued) 
  

 EXHIBITS 

 

			
	Exhibit A	  	Form of Assignment Pursuant to Sale Agreement
	Schedule I	  	Representations and Warranties With Respect to the Receivables
	Schedule II	  	Notice Addresses
	Schedule III	  	Perfection Representations, Warranties and Covenants
		
	Appendix A	  	Definitions

  

					
		 	ii	 	Sale Agreement (2013-A)

 THIS SALE AGREEMENT is made and entered into as of March 28, 2013 (as amended,
restated, supplemented or otherwise modified and in effect from time to time, this “Agreement”) by FIFTH THIRD HOLDINGS FUNDING, LLC, a Delaware limited liability company (the “Seller”), and FIFTH THIRD AUTO
TRUST 2013-A, a Delaware statutory trust (the “Issuer”). 
 WITNESSETH: 

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

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

 ARTICLE I 
 DEFINITIONS AND USAGE 
 SECTION 1.1 Definitions. Except as otherwise
defined herein or as the context may otherwise require, capitalized terms used but not otherwise defined herein are defined in Appendix A hereto which also contains rules as to usage that are applicable herein. 

SECTION 1.2 Other Interpretive Provisions. For purposes of this Agreement, unless the context otherwise requires:
(a) accounting terms not otherwise defined in this Agreement, and accounting terms partly defined in this Agreement to the extent not defined, shall have the respective meanings given to them under GAAP (provided, that, to the extent
that the definitions in this Agreement and GAAP conflict, the definitions in this Agreement shall control); (b) terms defined in Article 9 of the UCC as in effect in the relevant jurisdiction and not otherwise defined in this Agreement are used
as defined in that Article; (c) the words “hereof,” “herein” and “hereunder” and words of similar import refer to this Agreement as a whole and not to any particular provision of this Agreement; (d) references
to any Article, Section, Schedule, Appendix or Exhibit are references to Articles, Sections, Schedules, Appendices and Exhibits in or to this Agreement and references to any paragraph, subsection, clause or other subdivision within any Section or
definition refer to such paragraph, subsection, clause or other subdivision of such Section or definition; (e) the term “including” and all variations thereof means “including without limitation”; (f) except as
otherwise expressly provided herein, references to any law or regulation refer to that law or regulation as amended from time to time and include any successor law or regulation; (g) references to any Person include that Person’s
successors and assigns; and (h) headings are for purposes of reference only and shall not otherwise affect the meaning or interpretation of any provision hereof. 

  

					
		  		  	Sale Agreement (2013-A)

 ARTICLE II 
 PURCHASE 
 SECTION 2.1 Conveyance of Transferred Assets. In consideration
of the Issuer’s sale and delivery to, or upon the order of, the Seller of (i) all of the Notes and (ii) the Certificate on the Closing Date, the Seller does hereby irrevocably, transfer, assign, set over, sell, contribute and
otherwise convey to the Issuer without recourse (subject to the obligations herein) on the Closing Date all right, title, interest, claims and demands of the Seller, whether now owned or hereafter acquired, in, to and under the Transferred Assets,
as evidenced by an assignment substantially in the form of Exhibit A (the “Assignment”) delivered on the Closing Date. The sale, transfer, assignment, contribution and conveyance made hereunder does not constitute and is not
intended to result in an assumption by the Issuer of any obligation of the Seller or the Originator to the Obligors, the Dealers, insurers or any other Person in connection with the Receivables or the other assets and properties conveyed hereunder
or any agreement, document or instrument related thereto. 
 ARTICLE III 

REPRESENTATIONS, WARRANTIES AND COVENANTS 
 SECTION 3.1 Representations and Warranties of Seller. The Seller makes the following representations and warranties as of the Closing Date on which the Issuer will be deemed to have relied in
acquiring the Transferred Assets. The representations and warranties will survive the conveyance of the Transferred Assets to the Issuer pursuant to this Agreement and the pledge thereof by the Issuer to the Indenture Trustee pursuant to the
Indenture: 
 (a) Existence and Power. The Seller 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 to carry on its business as it is now conducted. The Seller has obtained all necessary licenses and approvals in each jurisdiction where the failure
to do so would materially and adversely affect the ability of the Seller to perform its obligations under the Transaction Documents or affect the enforceability or collectibility of the Receivables or any other part of the Transferred Assets.

 (b) Authorization and No Contravention. The execution, delivery and performance by the Seller of the Transaction
Documents to which it is a party (i) have been duly authorized by all necessary limited liability company action on the part of the Seller and (ii) do not contravene or constitute a default under (A) any applicable law, rule or
regulation, (B) its organizational documents or (C) any material agreement, contract, order or other instrument to which it is a party or its property is subject (other than violations which do not affect the legality, validity or
enforceability of any of such agreements and which, individually or in the aggregate, would not materially and adversely affect the transactions contemplated by, or the Seller’s ability to perform its obligations under, the Transaction
Documents). 
 (c) No Consent Required. No approval or authorization by, or filing with, any Governmental Authority is
required in connection with the execution, delivery and performance 

  

					
		 	-2-	 	Sale Agreement (2013-A)

 
by the Seller of any Transaction Document other than (i) UCC filings, (ii) approvals and authorizations that have previously been obtained and filings that have previously been made and
(iii) approvals, authorizations or filings which, if not obtained or made, would not have a material adverse effect on the enforceability or collectibility of the Receivables or any other part of the Transferred Assets or would not materially
and adversely affect the ability of the Seller to perform its obligations under the Transaction Documents. 
 (d) Binding
Effect. Each Transaction Document to which the Seller is a party constitutes the legal, valid and binding obligation of the Seller enforceable against the Seller in accordance with its terms, except as such enforceability may be limited by
applicable bankruptcy, insolvency, reorganization, moratorium, receivership, conservatorship or other similar laws affecting the enforcement of creditors’ 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. 
 (e) No Proceedings. There are no actions,
suits or Proceedings pending or, to the knowledge of the Seller, threatened against the Seller before or by any Governmental Authority that (i) assert the invalidity or unenforceability of this Agreement or any of the other Transaction
Documents, (ii) seek to prevent the issuance of the Notes or the consummation of any of the transactions contemplated by this Agreement or any of the other Transaction Documents, (iii) seek any determination or ruling that would materially
and adversely affect the performance by the Seller of its obligations under this Agreement or any of the other Transaction Documents or the collectibility or enforceability of the Receivables, or (iv) relate to the Seller that would materially
and adversely affect the federal or Applicable Tax State income, excise, franchise or similar tax attributes of the Notes. 

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

SECTION 3.2 Liability of the Seller. 
 (a) The Seller shall be liable in accordance herewith only to the extent of the obligations specifically undertaken by the Seller under this Agreement. 

(b) The Seller shall indemnify, defend, and hold harmless the Issuer, the Owner Trustee and the Indenture Trustee from and against any
loss, liability or expense incurred by reason of the Seller’s violation of federal or State securities laws in connection with the registration or the sale of the Notes. 
 (c) The Seller will pay any and all taxes levied or assessed upon the Issuer or upon all or any part of the Trust Estate. 
 (d) Indemnification under this Section 3.2 will survive the resignation or removal of the Owner Trustee or the Indenture Trustee and the termination of this Agreement and will include, without
limitation, reasonable fees and expenses of counsel and expenses of litigation. If the Seller has made any indemnity payments pursuant to this Section 3.2 and the Person to or on behalf of whom such payments are made thereafter collects
any of such amounts from others, such Person will promptly repay such amounts to the Seller, without interest. 

  

					
		 	-3-	 	Sale Agreement (2013-A)

 (e) The Seller’s obligations under this Section 3.2 are obligations solely
of the Seller and will not constitute a claim against the Seller to the extent that the Seller does not have funds sufficient to make payment of such obligations. In furtherance of and not in derogation of the foregoing, the Issuer, the Servicer,
the Indenture Trustee and the Owner Trustee, by entering into or accepting this Agreement, acknowledge and agree that they have no right, title or interest in or to the Other Assets of the Seller. To the extent that, notwithstanding the agreements
and provisions contained in the preceding sentence, the Issuer, the Servicer, the Indenture Trustee or the Owner Trustee either (i) asserts an interest or claim to, or benefit from, Other Assets, or (ii) is deemed to have any such
interest, claim to, or benefit in or from Other Assets, whether by operation of law, legal process, pursuant to applicable provisions of insolvency laws or otherwise (including by virtue of Section 1111(b) of the Bankruptcy Code or any
successor provision having similar effect under the Bankruptcy Code), then the Issuer, the Servicer, the Indenture Trustee or the Owner Trustee further acknowledges and agrees that any such interest, claim or benefit in or from Other Assets is and
will be expressly subordinated to the indefeasible payment in full, which, under the terms of the relevant documents relating to the securitization or conveyance of such Other Assets, are entitled to be paid from, entitled to the benefits of, or
otherwise secured by such Other Assets (whether or not any such entitlement or security interest is legally perfected or otherwise entitled to a priority of distributions or application under applicable law, including insolvency laws, and whether or
not asserted against the Seller), including the payment of post-petition interest on such other obligations and liabilities. This subordination agreement will be deemed a subordination agreement within the meaning of Section 510(a) of the
Bankruptcy Code. The Issuer, the Servicer, the Indenture Trustee and the Owner Trustee each further acknowledges and agrees that no adequate remedy at law exists for a breach of this Section 3.2(e) and the terms of this
Section 3.2(e) may be enforced by an action for specific performance. The provisions of this Section 3.2(e) will be for the third party benefit of those entitled to rely thereon and will survive the termination of this
Agreement. 
 SECTION 3.3 Merger or Consolidation of, or Assumption of the Obligations of, Seller. Any Person
(i) into which the Seller may be merged or converted or with which it may be consolidated, to which it may sell or transfer its business and assets as a whole or substantially as a whole, (ii) resulting from any merger, sale, transfer,
conversion, or consolidation to which the Seller shall be a party, (iii) succeeding to the business of the Seller, or (iv) more than 50% of the voting stock or voting power and 50% or more of the economic equity of which is owned directly
or indirectly by Fifth Third Bancorp, which Person in any of the foregoing cases executes an agreement of assumption to perform every obligation of the Seller under this Agreement, will be the successor to the Seller under this Agreement without the
execution or filing of any document or any further act on the part of any of the parties to this Agreement anything herein to the contrary notwithstanding. The Seller shall provide notice of any merger, conversion, consolidation or succession
pursuant to this Section 3.3 to the Administrator. Notwithstanding the foregoing, if the Seller enters into any of the foregoing transactions and is not the surviving entity, the Seller will deliver to the Indenture Trustee an Opinion of
Counsel either (A) stating that, in the opinion of such counsel, all financing statements and continuation statements and amendments thereto have been executed and filed that are necessary to preserve and protect the interest of the Issuer and
the Indenture Trustee, respectively, in the Receivables, or (B) stating that, in the opinion of such counsel, no such action is necessary to preserve and protect such interest. 

  

					
		 	-4-	 	Sale Agreement (2013-A)

 SECTION 3.4 Seller May Own Notes. The Seller, and any Affiliate of the Seller, may in
its individual or any other capacity become the owner or pledgee of Notes with the same rights as it would have if it were not the Seller or an Affiliate thereof, except as otherwise expressly provided herein or in the other Transaction Documents.
Except as set forth herein or in the other Transaction Documents, Notes so owned by the Seller or any such Affiliate will have an equal and proportionate benefit under the provisions of this Agreement and the other Transaction Documents, without
preference, priority, or distinction as among all of the Notes. Unless all Notes are owned by the Issuer, the Seller, the Servicer, the Administrator or any of their respective Affiliates, any Notes owned by the Issuer, the Seller, the Servicer, the
Administrator or any of their respective Affiliates shall be disregarded with respect to the determination of any request, demand, authorization, direction, notice, consent, vote or waiver hereunder or under any other Transaction Document.

 SECTION 3.5 Sarbanes-Oxley Act Requirements. To the extent any documents are required to be filed or any certification
is required to be made with respect to the Issuer or the Notes pursuant to the Sarbanes-Oxley Act, the Issuer hereby authorizes the Seller to prepare, sign, certify and file any such documents or certifications on behalf of the Issuer. 

SECTION 3.6 Compliance with Organizational Documents. The Seller shall comply with its limited liability company agreement and
other organizational documents. 
 SECTION 3.7 Representations and Warranties of the Seller as to each Receivable. The
Seller hereby makes the representations and warranties set forth on Schedule I as to the Receivables, sold, contributed, transferred, assigned, set over and otherwise conveyed to the Issuer under this Agreement on which such representations
and warranties the Issuer relies in acquiring the Receivables. Such representations and warranties shall survive the Grant of the Receivables by the Issuer to the Indenture Trustee pursuant to the Indenture. Notwithstanding any statement to the
contrary contained herein or in any other Transaction Document, the Seller shall not be required to notify any insurer with respect to any Insurance Policy obtained by an Obligor or to notify any Dealer about any aspect of the transaction
contemplated by the Transaction Documents. 
 SECTION 3.8 Repurchase upon Breach. Upon discovery by or notice to the
Issuer or the Seller of a breach of any of the representations and warranties set forth in Section 3.7 at the time such representations and warranties were made which materially and adversely affects the interests of the Issuer or the
Noteholders, the party discovering such breach or receiving such notice shall give prompt written notice thereof to the other party; provided, that delivery of a Servicer’s Certificate which identifies the Receivables that are being or
have been repurchased shall be deemed to constitute prompt notice of such breach; provided, further, that the failure to give such notice shall not affect any obligation of the Seller hereunder. If the breach materially and adversely
affects the interests of the Issuer or the Noteholders in such Receivable, then the Seller shall either (a) correct or cure such breach or (b) repurchase such Receivable from the Issuer, in either case on or before the Payment Date
following the end of the Collection Period which includes the 60th day (or, if the Seller elects, an earlier date) after the date that the Seller became aware or was notified of such breach. Any such breach or failure will be deemed not to have a
material and adverse effect if such breach or failure does not affect the ability of the Issuer (or its assignee) to receive and retain timely payment in full on such Receivable. Any 

  

					
		 	-5-	 	Sale Agreement (2013-A)

 
such purchase by the Seller shall be at a price equal to the Repurchase Price. In consideration for such repurchase, the Seller shall make (or shall cause to be made) a payment to the Issuer
equal to the Repurchase Price by depositing such amount into the Collection Account prior to 11:00 a.m., New York City time on the date of such repurchase, if such repurchase date is not a Payment Date or, if such repurchase date is a Payment Date,
then prior to the close of business on the Business Day prior to such repurchase date. Upon payment of such Repurchase Price by the Seller, the Issuer shall release and shall execute and deliver such instruments of release, transfer or assignment,
in each case without recourse or representation, as may be reasonably requested by the Seller to evidence such release, transfer or assignment or more effectively vest in the Seller or its designee any Receivable and the related Transferred Assets
repurchased pursuant hereto. It is understood and agreed that the obligation of the Seller to purchase any Receivable as described above shall constitute the sole remedy respecting such breach available to the Issuer. 

SECTION 3.9 Protection of Title. 
 (a) The Seller shall authorize and file such financing statements and cause to be authorized and filed such continuation and other statements, all in such manner and in such places as may be required by
law fully to preserve, maintain and protect the interest of the Issuer under this Agreement in the Receivables (other than any Related Security with respect thereto, to the extent that the interest of the Issuer therein cannot be perfected by the
filing of a financing statement). The Seller shall deliver (or cause to be delivered) to the Issuer file-stamped copies of, or filing receipts for, any document filed as provided above, as soon as available following such filing. 

(b) The Seller will notify the Issuer in writing within ten (10) days following the occurrence of (i) any change in the
Seller’s organizational structure as a limited liability company, (ii) any change in the Seller’s “location” (within the meaning of Section 9-307 of the UCC of all applicable jurisdictions) and (iii) any change in
the Seller’s name and shall have taken all action prior to making such change (or shall have made arrangements to take such action substantially simultaneously with such change, if it is not practicable to take such action in advance)
reasonably necessary or advisable in the opinion of the Issuer to amend all previously filed financing statements or continuation statements described in paragraph (a) above. The Seller will at all times maintain its “location”
within the United States. 
 (c) The Seller shall maintain (or shall cause the Servicer to maintain) its computer systems so
that, from time to time after the conveyance under this Agreement of the Receivables, the master computer records (including any backup archives) that refer to a Receivable shall indicate clearly the interest of the Issuer (or any subsequent
assignee of the Issuer) in such Receivable and that such Receivable is owned by such Person. Indication of such Person’s interest in a Receivable shall not be deleted from or modified on such computer systems until, and only until, the related
Receivable shall have been paid in full or repurchased. 
 (d) If at any time the Seller shall propose to sell, grant a security
interest in or otherwise transfer any interest in motor vehicle receivables to any prospective purchaser, lender or other transferee, the Seller shall give to such prospective purchaser, lender or other transferee computer tapes, records or
printouts (including any restored from backup archives) that, if they 

  

					
		 	-6-	 	Sale Agreement (2013-A)

 
shall refer in any manner whatsoever to any Receivable, shall indicate clearly that such Receivable has been sold and is owned by the Issuer (or any subsequent assignee of the Issuer).

 SECTION 3.10 Other Liens or Interests. Except for the conveyances and grants of security interests pursuant to this
Agreement and the other Transaction Documents, the Seller shall not sell, pledge, assign or transfer the Receivables or other property transferred to the Issuer to any other Person, or grant, create, incur, assume or suffer to exist any Lien (other
than Permitted Liens) on any interest therein, and the Seller shall defend the right, title and interest of the Issuer in, to and under such Receivables or other property transferred to the Issuer against all claims of third parties claiming through
or under the Seller. 
 SECTION 3.11 Perfection Representations, Warranties and Covenants. The Seller hereby makes the
perfection representations, warranties and covenants set forth on Schedule III hereto to the Issuer and the Issuer shall be deemed to have relied on such representations, warranties and covenants in acquiring the Transferred Assets.

 SECTION 3.12 Compliance with the FDIC Rule. The Seller (i) shall perform the covenants set forth in Article
XII of the Indenture applicable to it and (ii) shall facilitate compliance with Article XII of the Indenture by the Fifth Third Parties. 
 ARTICLE IV 
 MISCELLANEOUS 

SECTION 4.1 Transfers Intended as Sale; Security Interest. 

(a) Each of the parties hereto expressly intends and agrees that the transfers contemplated and effected under this Agreement are
complete and absolute sales, transfers, assignments and contributions rather than pledges or assignments of only a security interest and shall be given effect as such for all purposes. It is further the intention of the parties hereto that the
Receivables and related Transferred Assets shall not be part of the Seller’s estate in the event of a bankruptcy or insolvency of the Seller. The sales and transfers by the Seller of the Receivables and related Transferred Assets hereunder are
and shall be without recourse to, or representation or warranty (express or implied) by, the Seller, except as otherwise specifically provided herein. The limited rights of recourse specified herein against the Seller are intended to provide a
remedy for breach of representations and warranties relating to the condition of the property sold, rather than to the collectibility of the Receivables. 
 (b) Notwithstanding the foregoing, in the event that the Receivables and other Transferred Assets are held to be property of the Seller, or if for any reason this Agreement is held or deemed to create
indebtedness or a security interest in the Receivables and other Transferred Assets, then it is intended that: 

(i) This Agreement shall be deemed to be a security agreement within the meaning of Articles 8 and 9 of the New York UCC
and the UCC of any other applicable jurisdiction; 

  

					
		 	-7-	 	Sale Agreement (2013-A)

 (ii) The conveyance provided for in Section 2.1 shall be deemed
to be a grant by the Seller of, and the Seller hereby grants to the Issuer, a security interest in all of its right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to the Receivables
and other Transferred Assets, to secure such indebtedness and the performance of the obligations of the Seller hereunder; 
 (iii) The possession by the Issuer or its agent of the Receivable Files and any other property that constitute instruments, money, negotiable documents or chattel paper shall be deemed to be
“possession by the secured party” or possession by the purchaser or a Person designated by such purchaser, for purposes of perfecting the security interest pursuant to the New York UCC and the UCC of any other applicable jurisdiction; and

 (iv) Notifications to Persons holding such property, and acknowledgments, receipts or confirmations from
Persons holding such property, shall be deemed to be notifications to, or acknowledgments, receipts or confirmations from, bailees or agents (as applicable) of the Issuer for the purpose of perfecting such security interest under applicable law.

 SECTION 4.2 Notices, Etc. All demands, notices and communications hereunder shall be in writing and shall be delivered
or mailed by registered or certified first-class United States mail, postage prepaid, hand delivery, prepaid courier service, by facsimile or, if so provided on Schedule II to this Agreement, by electronic transmission, and addressed in
each case as specified on Schedule II to this Agreement, or at such other address as shall be designated by any of the specified addressees in a written notice to the other parties hereto. Any notice required or permitted to be mailed to a
Noteholder shall be given by first class mail, postage prepaid, at the address of such Noteholder as shown in the Note Register. Delivery shall occur only upon receipt or reported tender of such communication by an officer of the recipient entitled
to receive such notices located at the address of such recipient for notices hereunder; provided, however, that any notice to a Noteholder mailed within the time and manner prescribed in this Agreement shall be conclusively presumed to
have been duly given, whether or not the Noteholder shall receive such notice. 
 SECTION 4.3 Choice of Law. THIS
AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL, SUBSTANTIVE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE RULES THEREOF RELATING TO CONFLICTS OF LAW, OTHER THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK
GENERAL OBLIGATIONS LAW, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
 SECTION 4.4 Headings. The section headings hereof have been inserted for convenience only and shall not be construed to affect the meaning, construction or effect of this Agreement. 

SECTION 4.5 Counterparts. This Agreement may be executed in any number of counterparts, each of which so executed shall be deemed
to be an original, regardless of whether 

  

					
		 	-8-	 	Sale Agreement (2013-A)

 
delivered in physical or electronic form, but all of such counterparts shall together constitute but one and the same instrument. 

SECTION 4.6 Amendment. 
 (a) Any term or provision of this Agreement (including Appendix A hereto) may be amended by the Seller and the Issuer without the consent of the Indenture Trustee, any Noteholder, the Owner Trustee or any
other Person subject to the satisfaction of one of the following conditions: 
 (i) The Seller 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 Seller notifies the Indenture Trustee
in writing that the Rating Agency Condition is satisfied with respect to such amendment. 
 (b) This Agreement (including
Appendix A) may also be amended from time to time by the Issuer and the Seller, with the consent of (i) the Holders of Notes evidencing not less than a majority of the Outstanding Note Balance of the Controlling Class and (ii) the Majority
Certificateholders, for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Noteholders or the Certificateholders. It will not be
necessary for the consent of Noteholders or Certificateholders to approve the particular form of any proposed amendment or consent, but it will be sufficient if such consent approves the substance thereof. The manner of obtaining such consents (and
any other consents of Noteholders and Certificateholders provided for in this Agreement) and of evidencing the authorization of the execution thereof by Noteholders and Certificateholders will be subject to such reasonable requirements as the
Indenture Trustee and Owner Trustee may prescribe, including the establishment of record dates pursuant to the Note Depository Agreement. 
 (c) Prior to the execution of any amendment pursuant to this Section 4.6, the Seller shall provide written notification of the substance of such amendment to each Rating Agency; and promptly
after the execution of any such amendment, the Seller shall furnish a copy of such amendment to each Rating Agency, the Issuer and the Indenture Trustee; provided, that no amendment pursuant to this Section 4.6 shall be effective
which materially and adversely affects the rights, protections or duties of the Indenture Trustee or the Issuer without the prior written consent of such Person. 
 (d) Prior to the execution of any amendment to this Agreement, the Owner Trustee and the Indenture Trustee shall be entitled to receive and conclusively rely upon an Opinion of Counsel stating that the
execution of such amendment is authorized or permitted by this Agreement and an Officer’s Certificate of the Depositor or the Administrator that all conditions precedent to the execution and delivery of such amendment have been satisfied. The
Owner Trustee and the Indenture Trustee may, but shall not be obligated to, enter into any such amendment which materially and adversely affects the Owner Trustee’s or the Indenture 

  

					
		 	-9-	 	Sale Agreement (2013-A)

 
Trustee’s, as applicable, own rights, privileges, indemnities, duties or obligations under this Agreement, the Transaction Documents or otherwise. 

(e) Notwithstanding subsection (a) of this Section 4.6, this Agreement may only be amended by the Seller
if (i) the Majority Certificateholders consent to such amendment or (ii) such amendment shall not, as evidenced by an Officer’s Certificate of the Seller or an Opinion of Counsel delivered to the Indenture Trustee and the Owner
Trustee, materially and adversely affect the interests of the Certificateholders. 
 SECTION 4.7 Waivers. No failure or
delay on the part of the Seller, the Issuer or the Indenture Trustee in exercising any power or right hereunder (to the extent such Person has any power or right hereunder) shall operate as a waiver thereof, nor shall any single or partial exercise
of any such power or right preclude any other or further exercise thereof or the exercise of any other power or right. No notice to or demand on the Issuer or the Seller in any case shall entitle it to any notice or demand in similar or other
circumstances. No waiver or approval by either party under this Agreement shall, except as may otherwise be stated in such waiver or approval, be applicable to subsequent transactions. No waiver or approval under this Agreement shall require any
similar or dissimilar waiver or approval thereafter to be granted hereunder. 
 SECTION 4.8 Entire Agreement. The
Transaction Documents contain a final and complete integration of all prior expressions by the parties hereto with respect to the subject matter thereof and shall constitute the entire agreement among the parties hereto with respect to the subject
matter thereof, superseding all prior oral or written understandings. There are no unwritten agreements among the parties. 

SECTION 4.9 Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement
shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity
or enforceability of the other provisions of this Agreement. 
 SECTION 4.10 Binding Effect. This Agreement shall be
binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns. This Agreement shall create and constitute the continuing obligations of the parties hereto in accordance with its terms, and shall
remain in full force and effect until such time as the parties hereto shall agree. 
 SECTION 4.11 Acknowledgment and
Agreement. By execution below, the Seller expressly acknowledges and consents to the Grant of a security interest in the Receivables and the other Transferred Assets by the Issuer to the Indenture Trustee pursuant to the Indenture for the
benefit of the Noteholders. In addition, the Seller hereby acknowledges and agrees that for so long as the Notes are outstanding, the Indenture Trustee will have the right to exercise all powers, privileges and claims of the Issuer under this
Agreement in the event that the Issuer shall fail to exercise the same. 
 SECTION 4.12 Cumulative Remedies. The remedies
herein provided are cumulative and not exclusive of any remedies provided by law. 

  

					
		 	-10-	 	Sale Agreement (2013-A)

 SECTION 4.13 Nonpetition Covenant. Each party hereto agrees that, prior to the date
which is one year and one day after payment in full of all obligations of each Bankruptcy Remote Party in respect of all securities issued by any Bankruptcy Remote Party (i) such party hereto shall not authorize any Bankruptcy Remote Party to
commence a voluntary winding-up or other voluntary case or other Proceeding seeking liquidation, reorganization or other relief with respect to such Bankruptcy Remote Party or its debts under any bankruptcy, insolvency or other similar law now or
hereafter in effect in any jurisdiction or seeking the appointment of an administrator, a trustee, receiver, liquidator, custodian or other similar official with respect to such Bankruptcy Remote Party or any substantial part of its property or to
consent to any such relief or to the appointment of or taking possession by any such official in an involuntary case or other Proceeding commenced against such Bankruptcy Remote Party, or to make a general assignment for the benefit of its creditors
generally, any party hereto or any other creditor of such Bankruptcy Remote Party, and (ii) such party shall not commence or join with any other Person in commencing any Proceeding against such Bankruptcy Remote Party under any bankruptcy,
reorganization, liquidation or insolvency law or statute now or hereafter in effect in any jurisdiction. This Section shall survive the termination of this Agreement. 
 SECTION 4.14 Submission to Jurisdiction; Waiver of Jury Trial. Each of the parties hereto hereby irrevocably and unconditionally: 

(a) submits for itself and its property in any legal action or Proceeding relating to this Agreement or any documents executed and
delivered in connection herewith, or for recognition and enforcement of any judgment in respect thereof, to the nonexclusive general jurisdiction of the courts of the State of New York, the courts of the United States of America for the
Southern District of New York and appellate courts from any thereof; 
 (b) consents that any such action or Proceeding may
be brought in such courts and waives any objection that it may now or hereafter have to the venue of such action or Proceeding in any such court or that such action or Proceeding was brought in an inconvenient court and agrees not to plead or claim
the same; 
 (c) agrees that service of process in any such action or Proceeding may be effected by mailing a copy thereof by
registered or certified mail (or any substantially similar form of mail), postage prepaid, to such Person at its address determined in accordance with Section 4.2 of this Agreement; 

(d) agrees that nothing herein shall affect the right to effect service of process in any other manner permitted by law or shall limit
the right to sue in any other jurisdiction; and 
 (e) to the extent permitted by applicable law, each party hereto
irrevocably waives all right of trial by jury in any action, Proceeding or counterclaim based on, or arising out of, under or in connection with this Agreement, any other Transaction Document, or any matter arising hereunder or thereunder.

 SECTION 4.15 Limitation of Liability of Owner Trustee. It is expressly understood and agreed by the parties hereto
that (a) this Agreement is executed and delivered by Wilmington Trust, National Association, not individually or personally but solely as Owner Trustee of the 

  

					
		 	-11-	 	Sale Agreement (2013-A)

 
Issuer, in the exercise of the powers and authority conferred and vested in it under the Trust Agreement, (b) each of the representations, undertakings and agreements herein made on the part
of the Issuer is made and intended not as personal representations, undertakings and agreements by Wilmington Trust, National Association, but is made and intended for the purpose for binding only the Issuer, (c) nothing herein contained
shall be construed as creating any liability on Wilmington Trust, National Association, individually or personally, to perform any covenant either express or implied contained herein, all such liability, if any, being expressly waived by the parties
hereto and any Person claiming by, through or under the parties hereto, and (d) under no circumstances shall Wilmington Trust, National Association be personally liable for the payment of any indebtedness or expenses of the Issuer or be liable
for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by the Issuer under this Agreement or the other related documents. 
 [Remainder of Page Intentionally Left Blank] 

  

					
		 	-12-	 	Sale Agreement (2013-A)

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

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

	Name:	 	Neil J. Prendergast
	Title:	 	Senior Vice President
	
	FIFTH THIRD AUTO TRUST 2013-A
		
	By:	 	Wilmington Trust, National Association,
		 	not in its individual capacity
		 	but solely as Owner Trustee
		
	By:	 	 /s/ Erwin M. Soriano

	Name:	 	Erwin M. Soriano
	Title:	 	Assistant Vice President

  

					
		 	S-1	 	Sale Agreement (2013-A)

 EXHIBIT A 
 FORM OF 
 ASSIGNMENT PURSUANT TO SALE AGREEMENT 

March 28, 2013 
 For value received, in accordance with the Sale Agreement, dated as of March 28, 2013 (the “Agreement”), between Fifth Third Holdings Funding, LLC, a Delaware limited liability
company (“the Seller”), and Fifth Third Auto Trust 2013-A, a Delaware statutory trust (the “Issuer”), on the terms and subject to the conditions set forth in the Agreement, the Seller does hereby sell, transfer,
assign, set over, and otherwise convey to the Issuer without recourse (subject to the obligations in the Agreement), all right, title, interest, claims and demands in, to and under the Transferred Assets. 

The foregoing sale does not constitute and is not intended to result in any assumption by the Issuer of any obligation of the undersigned
or the Originator to the Obligors, the Dealers, insurers or any other Person in connection with the Receivables, or the other assets and properties conveyed hereunder or any agreement, document or instrument related thereto. 

This assignment is made pursuant to and upon the representations, warranties and agreements on the part of the undersigned contained in
the Agreement and is governed by the Agreement. 
 Capitalized terms used herein and not otherwise defined shall have the
meaning assigned to them in the Agreement. 
 [Remainder of page intentionally left blank] 

  

					
		 	A-1	 	Sale Agreement (2013-A)

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

			
	FIFTH THIRD HOLDINGS FUNDING, LLC
		
	By:	 	  

	Name:	 	
	Title:	 	

  

					
		 	A-2	 	Sale Agreement (2013-A)

 SCHEDULE I 
 REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE RECEIVABLES 
  

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

 

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

 

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

 

	 	(iii)	as of the Closing Date, is secured by a first priority validly perfected security interest in the Financed Vehicle in favor of the Originator, as secured party, or all
necessary actions have been commenced that would result in a first priority security interest in the Financed Vehicle in favor of the Originator, as secured party, which security interest, in either case, is assignable and has been so assigned
(x) by the Originator to FTH LLC, (y) by FTH LLC to the Seller, and (z) by the Seller to the Issuer; 

  

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

  

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

  

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

 

	 	(vii)	was originated in the United States. 

  

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

  

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

 

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

  

					
		 	Schedule I-1	 	Sale Agreement (2013-A)

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

  

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

 

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

 

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

  

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

  

	 	(viii)	each Receivable is a Simple Interest Receivable; 

  

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

  

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

 

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

  

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

  

	(e)	Binding Obligation. Each Receivable constitutes the legal, valid and binding payment obligation in writing of the Obligor, enforceable in all respects by the
holder thereof in accordance with its terms, except (i) as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, liquidation or other similar laws and equitable principles relating to or affecting the enforcement
of creditors’ rights generally and (ii) as such Receivable may be modified by the application after the Cut-Off Date of the Servicemembers Civil Relief Act of 2003, as amended, to the extent applicable to the related Obligor.

  

					
		 	Schedule I-2	 	Sale Agreement (2013-A)

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

  

	(g)	No Default; No Waivers. Except for payment delinquencies continuing for a period of not more than 30 days as of the Cut-Off Date, the records of the Servicer did
not disclose that any default, breach, violation or event permitting acceleration under the terms of the Receivable existed as of the Cut-Off Date or that any continuing condition that with notice or lapse of time, or both, would constitute a
default, breach, violation or event permitting acceleration under the terms of the Receivable had arisen as of the Cut-Off Date and the Seller has not waived any of the foregoing. 

 

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

 

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

  

	(j)	Assignment. No Receivable has been originated in, or is subject to the laws of, any jurisdiction under which the sale, transfer, assignment, contribution,
conveyance or pledge of such Receivable would be unlawful, void, or voidable. The Seller has not entered into any agreement with any Obligor that prohibits, restricts or conditions the assignment of the related Receivable. 

 

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

  

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

  

					
		 	Schedule I-3	 	Sale Agreement (2013-A)

	(m)	Priority. The Receivable is not pledged, assigned, sold, subject to a security interest, or otherwise conveyed other than pursuant to the Transaction Documents.
The Sale Agreement creates a valid and continuing security interest in the Receivable (other than the Related Security with respect thereto) in favor of the Issuer which security interest is prior to all other Liens (other than Permitted Liens) and
is enforceable as such against all other creditors of and purchasers and assignees from the Seller. 

  

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

 

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

  

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

  

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

 

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

  

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

  

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

  

					
		 	Schedule I-4	 	Sale Agreement (2013-A)

 SCHEDULE II 
 NOTICE ADDRESSES 
 If to the Issuer: 

Fifth Third Auto Trust 2013-A 
 c/o Wilmington
Trust, National Association 
 Rodney Square North 
 1100 North Market Street 
 Wilmington, Delaware 19890 

Facsimile no. (302) 636-4140 
 Attention:
Corporate Trust Administration 
 with copies to the Administrator, Fifth Third Bank and the Indenture Trustee 

If to the Owner Trustee: 
 Wilmington Trust,
National Association 
 Rodney Square North 
 1100 North Market Street 
 Wilmington, Delaware 19890 

Facsimile no. (302) 636-4140 
 Attention:
Corporate Trust Administration 
 If to the Indenture Trustee: 
 Deutsche Bank Trust Company Americas 
 60 Wall Street 

27th
 Floor 
 Mail Stop NYC 60-2720 

New York, New York 10005 
 Facsimile no.
(212) 553-2458 
 Attention: Irene Siegel – Fifth Third Auto Trust 2013-A 
 If to Seller: 
 Fifth Third Holdings Funding, LLC 

1701 Golf Road 
 Tower 1,
9th Floor 

Rolling Meadows, Illinois 60008 
 Facsimile no.
(513) 534-4319 
 Attention: Matthew Marro 

  

					
		 	Schedule II-1	 	Sale Agreement (2013-A)

 If to the Servicer or Sponsor: 
 Fifth Third Bank 
 38 Fountain Square Plaza 

Cincinnati, Ohio 45263 
 Facsimile no.
(513) 534-4319 
 Attention: Matthew Marro 
 If to Moody’s: 
 Moody’s Investors Service, Inc. 

99 Church Street 
 New York, New York 10007

 Facsimile no. (212) 298-7139 

Attention: ABS Monitoring Group 
 If to
Standard & Poor’s: 
 Standard & Poor’s Ratings Services 
 55 Water Street 
 New York, New York 10041 
 Facsimile no. (212) 438-2664 
 Attention: Asset Backed Surveillance Group 

  

					
		 	Schedule II-2	 	Sale Agreement (2013-A)

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

3. Immediately prior to the sale, transfer, contribution, assignment and/or conveyance of a Receivable, each Receivable is secured by a
first priority validly perfected and enforceable security interest in the related Financed Vehicle in favor of the Originator, as secured party, or all necessary actions with respect to such Receivable have been taken or will be taken to perfect a
first priority security interest in the related Financed Vehicle in favor of the Originator, as secured party, subject, as to enforcement, to applicable bankruptcy, insolvency, reorganization, liquidation or other similar laws and equitable
principles relating to or affecting the enforcement of creditors’ rights generally. 
 Creation 

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

  

					
		 	Schedule III-1	 	Sale Agreement (2013-A)

 Perfection 

6. The Seller has submitted or will have caused to be submitted, on the effective date of this Agreement, the filing of all appropriate
financing statements in the proper filing office in the appropriate jurisdictions under applicable law in order to perfect the sale of the Receivables from the Seller to the Issuer and the security interest in the Receivables granted to the Issuer
hereunder; and the Servicer, in its capacity as custodian, has in its possession the original copies of such instruments or tangible chattel paper that constitute or evidence the Receivables, and all financing statements referred to in this
paragraph contain a statement that: “A purchase of or security interest in any collateral described in this financing statement will violate the rights of the Secured Party/Purchaser”. 

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

 

	 	a.	All original executed copies of each such instrument or tangible chattel paper have been delivered to the Indenture Trustee, as pledgee of the Issuer; or

  

	 	b.	Such instruments or tangible chattel paper are in the possession of the Servicer and the Indenture Trustee has received a written acknowledgment from the Servicer that
the Servicer (in its capacity as custodian) is holding such instruments or tangible chattel paper solely on behalf and for the benefit of the Indenture Trustee, as pledgee of the Issuer; or 

 

	 	c.	The Servicer received possession of such instruments or tangible chattel paper after the Indenture Trustee received a written acknowledgment from the Servicer that the
Servicer is acting solely as agent of the Indenture Trustee, as pledgee of the Issuer. 

 Priority

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

  

					
		 	Schedule III-2	 	Sale Agreement (2013-A)

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

Survival of Perfection Representations 
 12. Notwithstanding any other provision of the Sale Agreement or any other Transaction Document, the perfection representations, warranties and covenants contained in this Schedule III shall
be continuing, and remain in full force and effect until such time as all obligations under the Transaction Documents and the Notes have been finally and fully paid and performed. 

No Waiver 
 13. The Issuer shall provide the Rating Agencies with prompt written notice of any material breach of the perfection representations, warranties and covenants contained in this Schedule III,
and shall not, without satisfying the Rating Agency Condition, waive a breach of any of such perfection representations, warranties or covenants. 

  

					
		 	Schedule III-3	 	Sale Agreement (2013-A)

 APPENDIX A 
 DEFINITIONS 
 (see attached) 

  

					
		 	Schedule III-4	 	Sale Agreement (2013-A)

 APPENDIX A 
 DEFINITIONS 
 The following terms have the meanings set forth, or referred
to, below: 
 “Accrued Class A Note Interest” means, with respect to any Payment Date, the sum of the
Class A Noteholders’ Monthly Accrued Interest for such Payment Date and the Class A Noteholders’ Interest Carryover Shortfall for such Payment Date. 
 “Accrued Class B Note Interest” means, with respect to any Payment Date, the sum of the Class B Noteholders’ Monthly Accrued Interest for such Payment Date and the Class B
Noteholders’ Interest Carryover Shortfall for such Payment Date. 
 “Accrued Class C Note Interest” means,
with respect to any Payment Date, the sum of the Class C Noteholders’ Monthly Accrued Interest for such Payment Date and the Class C Noteholders’ Interest Carryover Shortfall for such Payment Date. 

“Act” has the meaning set forth in Section 11.3(a) of the Indenture. 

“Administration Agreement” means the Administration Agreement, dated as of the Closing Date, among the
Administrator, the Issuer and the Indenture Trustee, as the same may be amended and supplemented from time to time. 

“Administrator” means the Bank, or any successor Administrator under the Administration Agreement. 

“Affiliate” means, for any specified Person, any other Person which, directly or indirectly, controls, is controlled by
or is under common control with such specified Person and “affiliated” has a meaning correlative to the foregoing. For purposes of this definition, “control” means the power, directly or indirectly, to cause the direction of
the management and policies of a Person. 
 “Applicable Tax State” means, as of any date, each State as to
which any of the following is then applicable: (a) a State in which the Owner Trustee maintains its Corporate Trust Office, (b) a State in which the Owner Trustee maintains its principal executive offices, and (c) the State of Ohio or
the State of Illinois. 
 “Authenticating Agent” means any Person authorized by the Indenture Trustee to act on
behalf of the Indenture Trustee to authenticate and deliver the Notes. 
 “Authorized Newspaper” means a
newspaper of general circulation in the City of New York, printed in the English language and customarily published on each Business Day, whether or not published on Saturdays, Sundays and holidays. 

“Authorized Officer” means (a) with respect to the Issuer, (i) any officer of the Owner Trustee who is
authorized to act for the Owner Trustee in matters relating to the Issuer and who is identified on the list of Authorized Officers delivered by the Owner Trustee to the Indenture 

  

					
		  		  	 Appendix A to the
 Sale Agreement
 (2013-A)

 
Trustee on the Closing Date or (ii) so long as the Administration Agreement is in effect, any officer of the Administrator who is authorized to act for the Administrator in matters
relating to the Issuer pursuant to the Administration Agreement and who is identified on the list of Authorized Officers delivered by the Administrator to the Owner Trustee and the Indenture Trustee on the Closing Date (as such list may be modified
or supplemented from time to time thereafter) and (b) with respect to the Owner Trustee, the Indenture Trustee, the Note Registrar and the Servicer, any officer of the Owner Trustee, the Indenture Trustee, the Note Registrar or the Servicer, as
applicable, who is authorized to act for the Owner Trustee, the Indenture Trustee, the Note Registrar or the Servicer, as applicable, in matters relating to the Owner Trustee, the Indenture Trustee, the Note Registrar or the Servicer and who is
identified on the list of Authorized Officers delivered by each of the Owner Trustee, the Indenture Trustee and the Servicer to the Indenture Trustee on the Closing Date or by the Note Registrar on the date of its appointment as such (as such
list may be modified or supplemented from time to time thereafter). 
 “Available Funds” means, for any Payment
Date and the related Collection Period, an amount equal to the sum of the following amounts: (i) all Collections received by the Servicer during such Collection Period, (ii) the sum of the Repurchase Prices deposited into
the Collection Account with respect to each Receivable that is to become a Repurchased Receivable on such Payment Date and (iii) the Reserve Account Excess Amount for such Payment Date. 

“Available Funds Shortfall Amount” means, as of any Payment Date, the amount by which the sum of the amounts required to
be paid pursuant to clauses first through seventh of Section 8.5(a) of the Indenture exceeds the Available Funds for such Payment Date. 
 “Bank” means Fifth Third Bank, an Ohio banking corporation, and its successors and assigns. 
 “Bankruptcy Code” means the United States Bankruptcy Code, 11 U.S.C. 101 et seq., as amended. 
 “Bankruptcy Event” means, with respect to any Person, (i) the filing of a decree or order for relief by a court having jurisdiction in the premises in respect of such Person in an
involuntary case under any applicable federal or state bankruptcy, insolvency or other similar law now or hereafter in effect, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official of such Person, or
ordering the winding-up or liquidation of such Person’s affairs, and such decree or order shall remain unstayed and in effect for a period of 90 consecutive days or (ii) the commencement by such Person of a voluntary case under any
applicable federal or state bankruptcy, insolvency or other similar law now or hereafter in effect, or the consent by such Person to the entry of an order for relief in an involuntary case under any such law, or the consent by such Person to the
appointment or taking possession by a receiver, liquidator, assignee, custodian, trustee, sequestrator or similar official of such Person, or the making by such Person of any general assignment for the benefit of creditors, or the failure by such
Person generally to pay its debts as such debts become due, or the taking of action by such Person in furtherance of any of the foregoing. 

  

					
		 	2	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Bankruptcy Remote Party” means each of the Seller, the Issuer, any other
trust created by the Seller or any limited liability company or corporation wholly-owned by the Seller. 
 “Benefit
Plan” means (i) any “employee benefit plan” as defined in Section 3(3) of ERISA which is subject to Title I of ERISA, (ii) a “plan” described by Section 4975(e)(1) of the Code, which is subject
to Section 4975 of the Code or (iii) 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 such entity. 

“Book-Entry Notes” means a beneficial interest in the Notes, ownership and transfers of which shall be made through book
entries by a Clearing Agency as described in Section 2.10 of the Indenture. 
 “Business Day” means
any day other than a Saturday, a Sunday or a day on which banking institutions in the states of Delaware, Ohio, Illinois or New York, or in the state in which the Corporate Trust Office of the Indenture Trustee is located, are authorized or
obligated by law, executive order or government decree to be closed. 
 “Certificate” means a certificate
substantially in the form of Exhibit A to the Trust Agreement evidencing a beneficial interest in the Issuer. For the avoidance of doubt, the references in the Transaction Documents to a “Certificate” or a
“Certificateholder”, unless the context otherwise requires, shall be deemed to be references to “Certificates” or “Certificateholders” if more than one Certificate has been issued. 

“Certificate Distribution Account” means the account designated as such, established and maintained pursuant to
Section 8.2(a)(iv) of the Indenture. 
 “Certificate of Title” means, with respect to any Financed
Vehicle, the certificate of title or other documentary evidence of ownership of such Financed Vehicle as issued by the department, agency or official of the jurisdiction (whether in paper or electronic form) in which such Financed Vehicle
is titled and which is responsible for accepting applications for, and maintaining records regarding, certificates of title and liens thereon. 
 “Certificate of Trust” means the certificate of trust for the Issuer filed on February 26, 2013 by the Owner Trustee pursuant to the Statutory Trust Statute. 

“Certificate Paying Agent” means Wilmington Trust, National Association or any other Person appointed as the successor
Certificate Paying Agent pursuant to Section 3.7 of the Trust Agreement. 
 “Certificate Register”
and “Certificate Registrar” have the respective meanings set forth in Section 3.4 of the Trust Agreement. 
 “Certificateholder” means, as of any date, the Person in whose name a Certificate is registered on the Certificate Register on such date. 

“Class” means a group of Notes whose form is identical except for variation in denomination, principal amount or owner,
and references to “each Class” thus mean each of 

  

					
		 	3	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
the Class A-1 Notes, the Class A-2 Notes, the Class A-3 Notes, the Class A-4 Notes, the Class B Notes and the Class C Notes. 

“Class A Noteholders” means, collectively, the Class A-1 Noteholders, the Class A-2 Noteholders, the
Class A-3 Noteholders and the Class A-4 Noteholders. 
 “Class A Noteholders’ Interest Carryover
Shortfall” means, with respect to any Payment Date, the excess of (A) the sum of (i) the Class A Noteholders’ Monthly Accrued Interest and (ii) any Class A Noteholders’ Interest Carryover Shortfall for the
preceding Payment Date, over (B) the amount in respect of interest that is actually paid to Noteholders of Class A Notes on such preceding Payment Date, plus interest on the amount of interest due but not paid to Noteholders of
Class A Notes on the preceding Payment Date, to the extent permitted by law, at the respective Interest Rates borne by such Class A Notes for the related Interest Period. 

“Class A Noteholders’ Monthly Accrued Interest” means, with respect to any Payment Date, the aggregate interest
accrued for the related Interest Period on the Class A-1 Notes, the Class A-2 Notes, the Class A-3 Notes and the Class A-4 Notes at the respective Interest Rate for such Class on the Note Balance of the Notes of each such Class
as of the immediately preceding Payment Date or the Closing Date, as the case may be, after giving effect to all payments of principal to the Noteholders of the Notes of such Class on or prior to such preceding Payment Date. 

“Class A Notes” means, collectively, the Class A-1 Notes, the Class A-2, the Class A-3 Notes and the
Class A-4 Notes. 
 “Class A-1 Final Scheduled Payment Date” means the Payment Date occurring in April
2014. 
 “Class A-1 Interest Rate” means 0.22000% per annum (computed on the basis of the actual
number of days elapsed during the applicable Interest Period, but assuming a 360-day year). 
 “Class A-1 Note
Balance” means, at any time, the Initial Class A-1 Note Balance reduced by all payments of principal made prior to such time on the Class A-1 Notes. 
 “Class A-1 Noteholder” means the Person in whose name a Class A-1 Note is registered on the Note Register. 
 “Class A-1 Notes” means the Class of auto loan asset backed notes designated as Class A-1 Notes, issued in accordance with the Indenture. 

“Class A-2 Final Scheduled Payment Date” means the Payment Date occurring in January 2016. 

“Class A-2 Interest Rate” means 0.45% per annum (computed on the basis of a 360-day year of twelve 30-day months).

  

					
		 	4	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Class A-2 Note Balance” means, at any time, the Initial Class A-2
Note Balance reduced by all payments of principal made prior to such time on the Class A-2 Notes. 
 “Class A-2
Noteholder” means the Person in whose name a Class A-2 Note is registered on the Note Register. 
 “Class
A-2 Notes” means the Class of auto loan asset backed notes designated as Class A-2 Notes, issued in accordance with the Indenture. 
 “Class A-3 Final Scheduled Payment Date” means the Payment Date occurring in September 2017. 
 “Class A-3 Interest Rate” means 0.61% per annum (computed on the basis of a 360-day year of twelve 30-day months). 

“Class A-3 Note Balance” means, at any time, the Initial Class A-3 Note Balance reduced by all payments of
principal made prior to such time on the Class A-3 Notes. 
 “Class A-3 Noteholder” means the Person in
whose name a Class A-3 Note is registered on the Note Register. 
 “Class A-3 Notes” means the Class of
auto loan asset backed notes designated as Class A-3 Notes, issued in accordance with the Indenture. 
 “Class A-4
Final Scheduled Payment Date” means the Payment Date occurring in April 2019. 
 “Class A-4 Interest
Rate” means 0.83% per annum (computed on the basis of a 360-day year of twelve 30-day months). 
 “Class
A-4 Note Balance” means, at any time, the Initial Class A-4 Note Balance reduced by all payments of principal made prior to such time on the Class A-4 Notes. 

“Class A-4 Noteholder” means the Person in whose name a Class A-4 Note is registered on the Note Register.

 “Class A-4 Notes” means the Class of auto loan asset backed notes designated as Class A-4 Notes, issued
in accordance with the Indenture. 
 “Class B Final Scheduled Payment Date” means the Payment Date occurring in
April 2019. 
 “Class B Interest Rate” means 1.21% per annum (computed on the basis of a 360-day year of
twelve 30-day months). 
 “Class B Note Balance” means, at any time, the Initial Class B Note Balance reduced
by all payments of principal made prior to such time on the Class B Notes. 

  

					
		 	5	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Class B Noteholder” means the Person in whose name a Class B Note is
registered on the Note Register. 
 “Class B Noteholders’ Interest Carryover Shortfall” means, with
respect to any Payment Date, the excess of (A) the sum of (i) the Class B Noteholders’ Monthly Accrued Interest and (ii) any Class B Noteholders’ Interest Carryover Shortfall for the preceding Payment Date, over (B) the
amount in respect of interest that is actually paid to Noteholders of Class B Notes on such preceding Payment Date, plus interest on the amount of interest due but not paid to Noteholders of Class B Notes on the preceding Payment Date, to
the extent permitted by law, at the Interest Rate borne by such Class B Notes for the related Interest Period. 

“Class B Noteholders’ Monthly Accrued Interest” means, with respect to any Payment Date, the aggregate interest
accrued for the related Interest Period on the Class B Notes at the Class B Interest Rate on the Class B Note Balance on the immediately preceding Payment Date or the Closing Date, as the case may be, after giving effect to all payments of
principal to the Class B Noteholders on or prior to such preceding Payment Date. 
 “Class B Notes” means the
Class of auto loan asset backed notes designated as Class B Notes, issued in accordance with the Indenture. 
 “Class C
Final Scheduled Payment Date” means the Payment Date occurring in June 2020. 
 “Class C Interest
Rate” means 1.74% per annum (computed on the basis of a 360-day year of twelve 30-day months). 
 “Class C
Note Balance” means, at any time, the Initial Class C Note Balance reduced by all payments of principal made prior to such time on the Class C Notes. 
 “Class C Noteholder” means the Person in whose name a Class C Note is registered on the Note Register. 
 “Class C Noteholders’ Interest Carryover Shortfall” means, with respect to any Payment Date, the excess of (A) the sum of (i) the Class C Noteholders’ Monthly Accrued
Interest and (ii) any Class C Noteholders’ Interest Carryover Shortfall for the preceding Payment Date, over (B) the amount in respect of interest that is actually paid to Noteholders of Class C Notes on such preceding Payment Date,
plus interest on the amount of interest due but not paid to Noteholders of Class C Notes on the preceding Payment Date, to the extent permitted by law, at the Interest Rate borne by such Class C Notes for the related Interest Period.

 “Class C Noteholders’ Monthly Accrued Interest” means, with respect to any Payment Date, the aggregate
interest accrued for the related Interest Period on the Class C Notes at the Class C Interest Rate on the Class C Note Balance on the immediately preceding Payment Date or the Closing Date, as the case may be, after giving effect to all
payments of principal to the Class C Noteholders on or prior to such preceding Payment Date. 
 “Class C
Notes” means the Class of auto loan asset backed notes designated as Class C Notes, issued in accordance with the Indenture. 

  

					
		 	6	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Clearing Agency” means an organization registered as a “clearing
agency” pursuant to Section 17A of the Exchange Act and shall initially be DTC. 
 “Clearing Agency
Participant” means a broker, dealer, bank or other financial institution or other Person for which from time to time a Clearing Agency effects book-entry transfers and pledges of securities deposited with the Clearing Agency. 

“Closing Date” means March 28, 2013. 
 “Code” means the Internal Revenue Code of 1986, as amended, modified or supplemented from time to time, and any successor law thereto, and the regulations promulgated and the rulings
issued thereunder. 
 “Collateral” has the meaning set forth in the Granting Clause of the Indenture.

 “Collection Account” means the trust account established and maintained pursuant to
Section 8.2(a)(i) of the Indenture. 
 “Collection Period” means the period commencing on the first
day of each calendar month and ending on the last day of such calendar month (or, in the case of the initial Collection Period, the period commencing on the Cut-Off Date and ending on March 30, 2013). As used herein, the “related”
Collection Period with respect to a Payment Date shall be deemed to be the Collection Period which precedes such Payment Date. 
 “Collections” means, with respect to any Receivable and to the extent received by the Servicer after the Cut-Off Date, (i) any monthly payment by or on behalf of the Obligor
thereunder, (ii) any full or partial prepayment of such Receivable, (iii) all Liquidation Proceeds and (iv) any other amounts received by the Servicer which, in accordance with the Customary Servicing Practices, would customarily be
applied to the payment of accrued interest or to reduce the Outstanding Principal Balance of such Receivable; provided, however, that the term “Collections” in no event will include (1) for any Payment Date, any
amounts in respect of any Receivable the Repurchase Price of which has been included in the Available Funds on a prior Payment Date, (2) any Supplemental Servicing Fees or (3) rebates of premiums with respect to the cancellation or
termination of any Insurance Policy, extended warranty or service contract that was not financed by such Receivable. 

“Commission” means the U.S. Securities and Exchange Commission. 

“Computation Agent” means the Person appointed by a majority of the Noteholders evidencing at least a majority of the
Note Balance (or, if no Notes are Outstanding, by the Majority Certificateholders) to fulfill the role of Computation Agent pursuant to Sections 12.5(c), 12.5(e)(ii) and 12.5(e)(iii)(a) of the Indenture. For the avoidance of
doubt, the Indenture Trustee or Owner Trustee may (but are not required to) serve in this role, and the Indenture Trustee acting as Computation Agent will be entitled to a fee for such service pursuant to Section 6.7 of the Indenture,
and the Owner Trustee acting as Computation Agent will be entitled to a fee for such service pursuant to Section 8.1 of the Trust Agreement. 

  

					
		 	7	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Contract” means, with respect to any Receivable, the motor vehicle retail
installment sale contract and/or note and security agreement, the installment loan agreement, any amendments thereto and any related documentary draft, if applicable, evidencing such Receivable. 

“Contract Rate” means, with respect to a Receivable, the rate per annum at which interest accrues under the Contract
evidencing such Receivable. Such rate may be less than the “Annual Percentage Rate” disclosed in the Receivable. 

“Controlling Class” means, with respect to any Notes Outstanding, the Class A Notes (voting together as a single
Class) as long as any Class A Notes are Outstanding, and thereafter the Class B Notes as long as any Class B Notes are Outstanding and thereafter the Class C Notes as long as any Class C Notes are Outstanding (excluding, in each case,
Notes held by the Servicer, the Administrator, the Issuer, any Certificateholder or any of their respective Affiliates. 

“Corporate Trust Office” means: 

(a) as used with respect to the Indenture Trustee, the principal office of the Indenture Trustee at which at any
particular time its corporate trust business shall be administered, which office at the date of the execution of the Indenture is located at (i) solely for the purposes of transfer, surrender, exchange or presentation for final payment: DB
Services Americas, Inc., MS JCK01-0218, 5022 Gate Parkway, Suite 200, Jacksonville, Florida 32256, Attention: Fifth Third Auto Trust 2013-A and (ii) for all other purposes: Deutsche Bank Trust Company Americas, 60 Wall Street, 27th Floor, Mail Stop NYC 60-2720, New York, New York 10005, Attention:
Fifth Third Auto Trust 2013-A, or at such other address as the Indenture Trustee may designate from time to time by notice to the Noteholders, the Administrator, the Servicer and the Issuer, or the principal corporate trust office of any
successor Indenture Trustee (the address of which the successor Indenture Trustee will notify the Noteholders, the Administrator, the Servicer and the Owner Trustee); and 
 (b) as used with respect to Owner Trustee, the corporate trust office of the Owner Trustee located at Rodney Square North, 1100 North Market Street, Wilmington, Delaware 19890, (facsimile no.
(302) 636-4140), Attention: Corporate Trust Administration or at such other address as the Owner Trustee may designate by notice to the Certificateholder and the Seller, or the principal corporate trust office of any successor Owner
Trustee (the address of which the successor Owner Trustee will notify the Certificateholder and the Seller). 
 “Credit
Suisse” means Credit Suisse Securities (USA) LLC. 
 “Customary Servicing Practices” means the
customary servicing practices of the Servicer or any Sub-Servicer with respect to all comparable motor vehicle receivables that the Servicer or such Sub-Servicer, as applicable, services for itself or others, as such practices may be changed from
time to time, it being understood that the Servicer and the Sub-Servicers may not have the same “Customary Servicing Practices”. 
 “Cut-Off Date” means the close of business on February 28, 2013. 

  

					
		 	8	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Dealer” means a motor vehicle dealership. 

“Default” means any occurrence that is, or with notice or lapse of time or both would become, an Event of Default.

 “Defaulted Receivable” means a Receivable with respect to which the earliest of the following shall
have occurred: (a) the related Financed Vehicle has been sold following repossession by the Servicer; (b) such Receivable becomes 120 days or more past due and the related Financed Vehicle has not been repossessed by the Servicer;
(c) such Receivable becomes 180 days or more past due; and (d) the Servicer has determined in accordance with its Customary Servicing Practices that all amounts that it expects to receive with respect to such Receivable have been
received.
 “Definitive Note” means a definitive fully registered Note issued pursuant to
Section 2.12 of the Indenture. 
 “Delivery” when used with respect to Trust Account Property
means: 
 (a) with respect to (I) bankers’ acceptances, commercial paper, negotiable certificates of deposit and other
obligations that constitute “instruments” as defined in Section 9-102(a)(47) of the UCC and are susceptible of physical delivery, transfer of actual possession thereof to the Indenture Trustee or its nominee or custodian by
physical delivery to the Indenture Trustee or its nominee or custodian endorsed to the Indenture Trustee or its nominee or custodian or endorsed in blank, and (II) with respect to a “certificated security” (as defined in
Section 8-102(a)(4) of the UCC) transfer of actual possession thereof (i) by physical delivery of such certificated security to the Indenture Trustee or its nominee or custodian endorsed to, or registered in the name of, the Indenture
Trustee or its nominee or custodian or endorsed in blank, or to another person, other than a “securities intermediary” (as defined in Section 8-102(a)(14) of the UCC), who acquires possession of the certificated security on
behalf of the Indenture Trustee or its nominee or custodian or, having previously acquired possession of the certificate, acknowledges that it holds for the Indenture Trustee or its nominee or custodian or (ii) if such certificated security is
in registered form, by delivery thereof to a “securities intermediary”, endorsed to or registered in the name of the Indenture Trustee or its nominee or custodian, and the making by such “securities intermediary” of entries on
its books and records identifying such certificated securities as belonging to the Indenture Trustee or its nominee or custodian and the sending by such “securities intermediary” of a confirmation of the purchase of such certificated
security by the Indenture Trustee or its nominee or custodian (all of the foregoing, “Physical Property”), and, in any event, any such Physical Property in registered form shall be in the name of the Indenture Trustee or its nominee
or custodian; and such additional or alternative procedures as may hereafter become appropriate to effect the complete transfer of ownership of any such Trust Account Property to the Indenture Trustee or its nominee or custodian, consistent with
changes in applicable law or regulations or the interpretation thereof; 
 (b) with respect to any securities issued by the U.S.
Treasury, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association or the other government agencies, instrumentalities and establishments of the United States identified in Appendix A to Federal Reserve Bank Operating
Circular No. 7 as in effect from time to time that is a 

  

					
		 	9	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
“book-entry security” (as such term is defined in Federal Reserve Bank Operating Circular No. 7) held in a securities account and eligible for transfer through the Fedwire® Securities Service operated by the Federal Reserve System pursuant to Federal book-entry regulations,
the following procedures, all in accordance with applicable law, including applicable Federal regulations and Articles 8 and 9 of the UCC: book-entry registration of such Trust Account Property to an appropriate securities account maintained
with a Federal Reserve Bank by a “participant” (as such term is defined in Federal Reserve Bank Operating Circular No. 7) that is a “depository institution” (as defined in Section 19(b)(1)(A) of the Federal Reserve Act)
pursuant to applicable Federal regulations, and issuance by such depository institution of a deposit notice or other written confirmation of such book-entry registration to the Indenture Trustee or its nominee or custodian of the purchase by the
Indenture Trustee or its nominee or custodian of such book-entry securities; the making by such depository institution of entries in its books and records identifying such book entry security held through the Federal Reserve System pursuant to
Federal book-entry regulations or a security entitlement thereto as belonging to the Indenture Trustee or its nominee or custodian and indicating that such depository institution holds such Trust Account Property solely as agent for the Indenture
Trustee or its nominee or custodian; and such additional or alternative procedures as may hereafter become appropriate to effect complete transfer of ownership of any such Trust Account Property to the Indenture Trustee or its nominee or custodian,
consistent with changes in applicable law or regulations or the interpretation thereof; and 
 (c) with respect to any item of
Trust Account Property that is an “uncertificated security” (as defined in Section 8-102(a)(18) of the UCC) and that is not governed by clause (b) above, (i) registration on the books and records of the issuer thereof
in the name of the Indenture Trustee or its nominee or custodian, or (ii) registration on the books and records of the issuer thereof in the name of another person, other than a securities intermediary, who acknowledges that it holds such
uncertificated security for the benefit of the Indenture Trustee or its nominee or custodian. 
 “Depositor”
means the Seller in its capacity as depositor under the Trust Agreement. 
 “Determination Date” means, for any
Collection Period, the second Business Day preceding the related Payment Date, beginning April 11, 2013. 

“Dollar” and “$” mean lawful currency of the United States of America. 

“DTC” means The Depository Trust Company, and its successors. 

“Eligible Account” means either (a) a segregated account with an Eligible Institution or (b) a segregated
trust account with the corporate trust department of a depository institution acting in its fiduciary capacity organized under the laws of the United States of America or any one of the states thereof or the District of Columbia (or any domestic
branch of a foreign bank), having corporate trust powers and acting as trustee for funds deposited in such account, so long as the long-term unsecured debt of such depository institution shall have a credit rating from Standard &
Poor’s of at least “BBB” and from Moody’s in one of its generic rating categories which signifies investment grade. Any such trust account may be maintained with the Owner 

  

					
		 	10	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
Trustee, the Indenture Trustee or any of their respective Affiliates, if such accounts meet the requirements described in clause (b) of the preceding sentence. 

“Eligible Institution” means a depository institution or trust company (which may be the Owner Trustee, the
Indenture Trustee or any of their respective Affiliates) organized under the laws of the United States of America or any one of the states thereof or the District of Columbia (or any domestic branch of a foreign bank) (a) which at all times has
either (i) a long-term senior unsecured debt rating of “Aa2” or better by Moody’s and “AA-” or better by Standard & Poor’s or (ii) a certificate of deposit rating of “P-1” by Moody’s
and “A-1+” by Standard & Poor’s and (b) whose deposits are insured by the Federal Deposit Insurance Corporation. 
 “Eligible Receivable” means a Receivable meeting all of the criteria set forth on Schedule I of each of the Receivables Sale Agreement, the Purchase Agreement and the Sale
Agreement as of the Closing Date. 
 “ERISA” means the Employee Retirement Income Security Act of 1974, as
amended and any successor law thereto, and the regulations promulgated and rulings issued thereunder. 
 “Event of
Default” has the meaning set forth in Section 5.1 of the Indenture. 
 “Exchange Act”
means the Securities Exchange Act of 1934, as amended. 
 “Exchange Act Reports” means any reports on Form
10-D, Form 8-K and Form 10-K filed or to be filed by the Seller with respect to the Issuer under the Exchange Act. 

“FATCA Provisions” has the meaning set forth in Section 3.5 of the Trust Agreement. 

“FDIC Rule” means the Federal Deposit Insurance Corporation’s rule regarding the treatment by the FDIC, as receiver
or conservator of an insured depository institution, of financial assets transferred by the institution in connection with a securitization or participation (12 C.F.R. § 360.6). 

“Fifth Third Parties” means collectively, the Bank, FTH LLC, the Depositor and the Issuer. 

“Final Scheduled Payment Date” means, with respect to (i) the Class A-1 Notes, the Class A-1 Final
Scheduled Payment Date, (ii) the Class A-2 Notes, the Class A-2 Final Scheduled Payment Date, (iii) the Class A-3 Notes, the Class A-3 Final Scheduled Payment Date, (iv) the Class A-4 Notes, the Class A-4
Final Scheduled Payment Date, (v) the Class B Notes, the Class B Final Scheduled Payment Date and (vi) the Class C Notes, the Class C Final Scheduled Payment Date. 
 “Financed Vehicle” means an automobile or light-duty truck, together with all accessions thereto, securing an Obligor’s indebtedness under the applicable Receivable. 

“First Allocation of Principal” means, for any Payment Date, an amount not less than zero equal to the excess, if any,
of (a) the Note Balance of the Class A Notes as of such Payment 

  

					
		 	11	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
Date (before giving effect to any principal payments made on the Class A Notes on such Payment Date) over (b) the Net Pool Balance as of the last day of the related Collection Period;
provided, however, that the “First Allocation of Principal” on and after the Final Scheduled Payment Date for any Class of Class A Notes shall not be less than the amount that is necessary to reduce the Note Balance of
that Class of Class A Notes to zero. 
 “Form 10-D Disclosure Item” means, with respect to any Person,
(a) any legal proceedings pending against such Person or of which any property of such Person is then subject, or (b) any proceedings known to be contemplated by governmental authorities against such Person or of which any property of such
Person would be subject, in each case that would be material to the Noteholders. 
 “FTH LLC” means Fifth Third
Holdings, LLC, a Delaware limited liability company, and its successors and assigns. 
 “GAAP” means generally
accepted accounting principles in the USA, applied on a materially consistent basis. 
 “Governmental
Authority” means any (a) Federal, state, municipal, foreign or other governmental entity, board, bureau, agency or instrumentality, (b) administrative or regulatory authority (including any central bank or similar authority) or
(c) court or judicial authority. 
 “Grant” means mortgage, pledge, bargain, sell, warrant, alienate,
remise, release, convey, assign, transfer, create, grant a lien upon and a security interest in and right of set-off against, deposit, set over and confirm pursuant to the Indenture. A Grant of the Collateral or of any other agreement or instrument
shall include all rights, powers and options (but none of the obligations) of the Granting party thereunder, including the immediate and continuing right to claim for, collect, receive and give receipt for principal and interest payments in respect
of the Collateral and all other moneys payable thereunder, to give and receive notices and other communications, to make waivers or other agreements, to exercise all rights and options, to bring proceedings in the name of the Granting party or
otherwise and generally to do and receive anything that the Granting party is or may be entitled to do or receive thereunder or with respect thereto. Other forms of the verb “to Grant” shall have correlative meanings. 

“Holder” means, as the context may require, the Certificateholder or a Noteholder or both. 

“Indenture” means the Indenture, dated as of the Closing Date, between the Issuer and Indenture Trustee, as the same may
be amended and supplemented from time to time. 
 “Indenture Trustee” means Deutsche Bank Trust Company
Americas, a New York banking trust company, not in its individual capacity but as indenture trustee under the Indenture, or any successor trustee under the Indenture. 
 “Independent” means, when used with respect to any specified Person, that such Person (i) is in fact independent of the Issuer, any other obligor upon the Notes, the Administrator
and any Affiliate of any of the foregoing Persons, (ii) does not have any direct financial interest or any material indirect financial interest in the Issuer, any such other obligor upon the Notes,

  

					
		 	12	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
the Administrator or any Affiliate of any of the foregoing Persons and (iii) is not connected with the Issuer, any such other obligor upon the Notes, the Administrator or any Affiliate
of any of the foregoing Persons as an officer, employee, promoter, underwriter, trustee, partner, director or Person performing similar functions. 
 “Independent Certificate” means a certificate or opinion to be delivered to the Indenture Trustee under the circumstances described in, and otherwise complying with, the applicable
requirements of Section 11.1 of the Indenture, made by an independent appraiser or other expert appointed by an Issuer Order, and such opinion or certificate shall state that the signer has read the definition of “Independent”
in this Appendix A and that the signer is Independent within the meaning thereof. 
 “Initial Class A-1
Note Balance” means $114,000,000. 
 “Initial Class A-2 Note Balance” means $155,000,000.

 “Initial Class A-3 Note Balance” means $157,000,000. 

“Initial Class A-4 Note Balance” means $55,250,000. 

“Initial Class B Note Balance” means $10,000,000. 

“Initial Class C Note Balance” means $8,754,000. 

“Initial Note Balance” means, for any Class, the Initial Class A-1 Note Balance, the Initial Class A-2
Note Balance, the Initial Class A-3 Note Balance, the Initial Class A-4 Note Balance, the Initial Class B Note Balance and the Initial Class C Note Balance, as applicable, or with respect to the Notes generally, the sum of the
foregoing. 
 “Initial Reserve Account Deposit Amount” means an amount equal to $1,500,016.81. 

“Insurance Policy” means (i) any theft and physical damage insurance policy maintained by the Obligor under a
Receivable, providing coverage against loss or damage to or theft of the related Financed Vehicle, and (ii) any credit life or credit disability insurance maintained by an Obligor in connection with any Receivable. 

“Interest Period” means, with respect to any Payment Date, (a) with respect to
the Class A-1 Notes, from and including the Closing Date (in the case of the first Payment Date) or from and including the most recent Payment Date to but excluding that Payment Date (for example, for a Payment Date in February, the
Interest Period is from and including the Payment Date in January to but excluding the Payment Date in February) and (b) for the Class A-2 Notes, the Class A-3 Notes, Class A-4 Notes, the Class B Notes and the Class C Notes, from
and including the 15th day of the calendar month preceding
such Payment Date (or the Closing Date in the case of the first Payment Date) to but excluding the 15th day of the calendar month in which such Payment Date occurs. 

“Interest Rate” means (a) with respect to the Class A-1 Notes, the Class A-1 Interest Rate, (b) with
respect to the Class A-2 Notes, the Class A-2 Interest Rate, (c) with respect to the 

  

					
		 	13	 	 Appendix A to the
 Sale Agreement
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Class A-3 Notes, the Class A-3 Interest Rate, (d) with respect to the Class A-4 Notes, the Class A-4 Interest Rate, (e) with respect to the Class B Notes, the Class
B Interest Rate and (f) with respect to the Class C Notes, the Class C Interest Rate. 
 “Issuer” means
Fifth Third Auto Trust 2013-A, a Delaware statutory trust established pursuant to the Trust Agreement and the filing of the Certificate of Trust, until a successor replaces it and, thereafter, means such successor. 

“Issuer Order” and “Issuer Request” means a written order or request of the Issuer signed in the name
of the Issuer by any one of its Authorized Officers and delivered to the Indenture Trustee. 
 “Item 1119
Party” means the Seller, the Bank, FTH LLC, the Servicer, the Indenture Trustee, the Owner Trustee, any underwriter of the Notes and any other material transaction party identified by the Seller, the Bank or FTH LLC to the Indenture
Trustee and the Owner Trustee in writing. 
 “Lien” means, for any asset or property of a Person, a lien,
security interest, mortgage, pledge or encumbrance in, of or on such asset or property in favor of any other Person, except any Permitted Lien. 
 “Liquidation Proceeds” means, with respect to any Receivable, (a) insurance proceeds received by the Servicer with respect to the Insurance Policies, (b) amounts received by
the Servicer in connection with such Receivable pursuant to the exercise of rights under such Receivable and (c) the monies collected by the Servicer (from whatever source, including proceeds of a sale of a Financed Vehicle, a deficiency
balance recovered from the Obligor after the charge-off of such Receivable or as a result of any recourse against the related Dealer, if any) on such Receivable other than any monthly payments by or on behalf of the Obligor thereunder or any full or
partial prepayment of such Receivable, in the case of each of the foregoing clauses (a) through (c), net of any expenses (including, without limitation, any auction, painting, repair or refurbishment expenses in respect of the
related Financed Vehicle) incurred by the Servicer in connection therewith and any payments required by law to be remitted to the Obligor; provided, however, that the Repurchase Price for any Receivable shall not constitute
“Liquidation Proceeds.” 
 “Majority Certificateholders” means Certificateholders holding in
the aggregate more than 50% of the Percentage Interests. 
 “Monthly Servicer Report” has the meaning set forth
in Section 4.6 of the Servicing Agreement. 
 “Moody’s” means Moody’s Investors Service,
Inc., or any successor that is a nationally recognized statistical rating organization. 
 “Net Pool Balance”
means, as of any date, the aggregate Outstanding Principal Balance of all Receivables of the Issuer on such date. 

  

					
		 	14	 	 Appendix A to the
 Sale Agreement
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 “Note” means a Class A-1 Note, Class A-2 Note, Class A-3
Note, Class A-4 Note, Class B Note or Class C Note, in each case substantially in the form of Exhibit A to the Indenture. 
 “Note Balance” means, with respect to any date of determination, for any Class, the Class A-1 Note Balance, Class A-2 Note Balance, Class A-3 Note Balance,
Class A-4 Note Balance, Class B Note Balance or Class C Note Balance, as applicable, or with respect to the Notes generally, the sum of all of the foregoing. 
 “Note Depository Agreement” means the agreement, dated as of the Closing Date, between the Issuer and DTC, as the initial Clearing Agency relating to the Notes, as the same may be amended
or supplemented from time to time. 
 “Note Factor” means, with respect to the Notes or any Class of Notes on
any Payment Date, a six-digit decimal figure equal to the Note Balance of the Notes or such Class of Notes, as applicable, as of the end of the preceding Collection Period divided by the Note Balance of the Notes or such Class of Notes, as
applicable, as of the Closing Date. The Note Factor will be 1.000000 as of the Closing Date; thereafter, the Note Factor will decline to reflect reductions in the Note Balance of the Notes or such Class of Notes, as applicable. 

“Note Owner” means, with respect to a Book-Entry Note, the Person who is the beneficial owner of such Book-Entry Note,
as reflected on the books of the Clearing Agency or a Person maintaining an account with such Clearing Agency (directly as a Clearing Agency Participant or as an indirect participant, in each case in accordance with the rules of such Clearing
Agency). 
 “Note Register” and “Note Registrar” have the respective meanings set forth in
Section 2.4 of the Indenture. 
 “Noteholder” means, as the context requires, all of the
Class A-1 Noteholders, the Class A-2 Noteholders, the Class A-3 Noteholders, the Class A-4 Noteholders, the Class B Noteholders and the Class C Noteholders or any of the foregoing. For the avoidance of doubt, the references
in the Transaction Documents to a “Noteholder” shall be deemed to be references to “Noteholders” if the context requires. 
 “Obligor” means, for any Receivable, each Person obligated to pay such Receivable. 
 “Officer’s Certificate” means (i) with respect to the Issuer, a certificate signed by any Authorized Officer of the Issuer and (ii) with respect to the Seller, the Bank,
FTH LLC or the Servicer, a certificate signed by the chairman of the board, the president, any executive vice president, any vice president, any assistant vice president, the treasurer, any assistant treasurer or the controller of the
Seller or the Servicer, as applicable. 
 “Opinion of Counsel” means one or more written opinions of counsel
who may, except as otherwise expressly provided in the Indenture or any other applicable Transaction Document, be employees of or counsel to the Issuer, the Servicer, the Seller, the Bank, FTH LLC or the Administrator, and which opinion or
opinions comply with any applicable requirements of the Transaction Documents and are in form and substance reasonably satisfactory to 

  

					
		 	15	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
the recipient(s). Opinions of Counsel need address matters of law only and may be based upon stated assumptions as to relevant matters of fact. 

“Optional Purchase” has the meaning set forth in Section 7.1 of the Servicing Agreement. 

“Optional Purchase Price” has the meaning set forth in Section 7.1 of the Servicing Agreement. 

“Originator” means, with respect to any Receivable, the Bank. 

“Other Assets” means any assets (or interests therein) (other than the Trust Estate) conveyed or purported to be
conveyed by the Seller to another Person or Persons other than the Issuer, whether by way of a sale, capital contribution or by virtue of the granting of a lien. 
 “Outstanding” means, as of any date, all Notes (or all Notes of an applicable Class) theretofore authenticated and delivered under the Indenture except: 

(i) Notes (or Notes of an applicable Class) theretofore cancelled by the Note Registrar or delivered to the Note Registrar for
cancellation; 
 (ii) Notes (or Notes of an applicable Class) or portions thereof the payment for which money in the necessary
amount has been theretofore deposited with the Indenture Trustee or any Paying Agent in trust for the related Noteholders (provided, however, that if such Notes are to be redeemed, notice of such redemption has been duly given pursuant
to the Indenture or provision therefor, satisfactory to the Indenture Trustee, has been made); and 
 (iii) Notes (or Notes of
an applicable Class) in exchange for or in lieu of other Notes (or Notes of such Class) that have been authenticated and delivered pursuant to the Indenture unless proof satisfactory to the Indenture Trustee is presented that any such Notes are held
by a bona fide purchaser; 
 provided, that in determining whether Noteholders holding the requisite Note Balance have given any request,
demand, authorization, direction, notice, consent, vote or waiver hereunder or under any Transaction Document, Notes owned by the Issuer, any Certificateholder, the Servicer, the Administrator or any of their respective Affiliates shall be
disregarded and deemed not to be Outstanding unless all of the Notes are then owned by the Issuer, the Certificateholder, the Servicer, the Administrator or any of their respective Affiliates, except that, in determining whether the Indenture
Trustee shall be protected in relying upon any such request, demand, authorization, direction, notice, consent, vote or waiver, only Notes that a Responsible Officer of the Indenture Trustee knows to be so owned shall be so disregarded. Notes so
owned that have been pledged in good faith may be regarded as Outstanding if the pledgee thereof establishes to the satisfaction of the Indenture Trustee such pledgee’s right so to act with respect to such Notes and that such pledgee is
not the Issuer, the Seller, the Servicer, the Administrator or any of their respective Affiliates. 
 “Outstanding
Principal Balance” means, with respect to any Receivable as of any date, the outstanding principal balance of such Receivable calculated in accordance with 

  

					
		 	16	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
the Customary Servicing Practices; provided, however, that the Outstanding Principal Balance of any Receivable that becomes a Defaulted Receivable will be deemed to be zero as
of the date it became a Defaulted Receivable.
 “Owner Trustee” means Wilmington Trust, National Association, a
national banking association, not in its individual capacity but solely as owner trustee under the Trust Agreement, and any successor Owner Trustee thereunder. 
 “Paying Agent” means (i) prior to the payment in full of principal and interest on the Notes, the Indenture Trustee or any other Person that meets the eligibility standards for the
Indenture Trustee set forth in Section 6.11 of the Indenture and is authorized by the Issuer to make the payments to and distributions from the Collection Account and the Principal Distribution Account, including the payment of principal
of or interest on the Notes on behalf of the Issuer and (ii) following the payment in full of principal and interest on the Notes, the Certificate Paying Agent or any other Person appointed as the successor Certificate Paying Agent pursuant to
Section 3.7 of the Trust Agreement. 
 “Payment Date” means the 15th day of each calendar month beginning April 15, 2013;
provided, however, whenever a Payment Date would otherwise be a day that is not a Business Day, the Payment Date shall be the next Business Day. As used herein, the “related” Payment Date with respect to a Collection Period
shall be deemed to be the Payment Date which immediately follows such Collection Period. 
 “Payment Default”
has the meaning set forth in Section 5.4(a) of the Indenture. 
 “Percentage Interest” means, with
respect to a Certificate, the individual percentage interest of such Certificate, which shall be specified on the face thereof and which shall represent the percentage of certain distributions of the Issuer beneficially owned by such
Certificateholder. The sum of the Percentage Interests for all of the Certificates shall be 100%. 
 “Permitted
Investments” means any one or more of the following types of investments: 
 (a) direct obligations of, and obligations
fully guaranteed as to timely payment by, the United States of America; 
 (b) demand deposits, money market deposit accounts,
time deposits or certificates of deposit of any depository institution (including, the Servicer, the Indenture Trustee or the Owner Trustee or any of their respective Affiliates) or trust company incorporated under the laws of the United States
of America or any state thereof or the District of Columbia (or any domestic branch of a foreign bank) and subject to supervision and examination by Federal or state banking or depository institution authorities (including depository receipts issued
by any such institution or trust company as custodian with respect to any obligation referred to in clause (a) above or a portion of such obligation for the benefit of the holders of such depository receipts); provided that at the time of the
investment or contractual commitment to invest therein (which shall be deemed to be made again each time funds are reinvested following each Payment Date), the commercial paper or other short-term senior unsecured debt obligations (other than
such obligations the rating of which is based on the credit of a Person other than such depository 

  

					
		 	17	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
institution or trust company) of such depository institution or trust company shall have a credit rating from Standard & Poor’s of at least A-1+ and from Moody’s of Prime-1;

 (c) commercial paper (including commercial paper of any Affiliate of the Seller, the Servicer, the Bank, the Indenture
Trustee or the Owner Trustee or any of their respective Affiliates) having, at the time of the investment or contractual commitment to invest therein, a rating from Standard & Poor’s of at least A-1+ from Moody’s of Prime-1;

 (d) investments in money market funds (including funds for which the Seller, the Servicer, the Bank, the Indenture
Trustee or Owner Trustee or any of their respective Affiliates is investment manager or advisor) having a rating from Standard & Poor’s of AAAm or AAAm-G and from Moody’s of Aaa; 

(e) bankers’ acceptances issued by any depository institution or trust company referred to in clause (b) above; and 

(f) repurchase obligations with respect to any security that is a direct obligation of, or fully guaranteed by, the United States of
America or any agency or instrumentality thereof the obligations of which are backed by the full faith and credit of the United States of America, in either case entered into with a depository institution or trust company (acting as
principal) referred to in clause (b) above; 
 provided that, in each case, no withholding tax would be imposed if acquired directly by a
person not described in Section 7701(a)(30) of the Code assuming such person delivered a properly completed and executed IRS Form W-8BEN. 
 “Permitted Liens” means (a) any liens created by the Transaction Documents, (b) any liens for taxes not yet due and payable or the amount of which is being contested in good
faith by appropriate proceedings and (c) any liens of mechanics, suppliers, vendors, materialmen, laborers, employees, repairmen and other like liens securing obligations which are not due and payable or the amount or validity of which is being
contested in good faith by appropriate proceedings. 
 “Permitted Modification” has the meaning set forth in
Section 3.2 of the Servicing Agreement. 
 “Person” means any individual, corporation, limited
liability company, estate, partnership, joint venture, association, joint stock company, trust (including any beneficiary thereof), unincorporated organization or government or any agency or political subdivision thereof. 

“Physical Property” has the meaning specified in the definition of “Delivery” above. 

“Placement Agency Agreement” means the Placement Agency Agreement, dated on or about March 20, 2013, among Credit
Suisse Securities (USA) LLC, the Bank and the Seller. 
 “Predecessor Note” means, with respect to any
particular Note, every previous Note evidencing all or a portion of the same debt as that evidenced by such particular Note; provided, 

  

					
		 	18	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
however, for the purpose of this definition, any Note authenticated and delivered under Section 2.5 of the Indenture in lieu of a mutilated, destroyed, lost or stolen Note
shall be deemed to evidence the same debt as the mutilated, destroyed, lost or stolen Note. 
 “Principal Distribution
Account” means the account by that name established and maintained pursuant to Section 8.2(a)(ii) of the Indenture. 
 “Proceeding” means any suit in equity, action at law or other judicial or administrative proceeding. 
 “Purchase Agreement” means the Purchase Agreement, dated as of the Closing Date, between FTH LLC and the Seller, as amended, modified or supplemented from time to time. 

“Purchased Assets” has the meaning set forth in Section 2.1 of the Purchase Agreement. 

“Qualified Institutional Buyer” means a “qualified institutional buyer” as defined in Rule 144A under the
Securities Act. 
 “Rating Agency” means either or each of Moody’s, or Standard & Poor’s, as
indicated by the context. 
 “Rating Agency Condition” means, with respect to any event or circumstance and
each Rating Agency, either (a) written confirmation (which may be in the form of a letter, press release or other publication, or a change in such Rating Agency’s published ratings criteria to this effect) by such Rating Agency that the
occurrence of such event or circumstance will not cause it to downgrade, qualify or withdraw its rating assigned to any of the Notes or (b) that such Rating Agency shall have been given notice of such event or circumstance at least ten days
prior to the occurrence of such event or circumstance (or, if ten days’ advance notice is impracticable, as much advance notice as is practicable) and such Rating Agency shall not have issued any written notice that the occurrence of such
event or circumstance will cause it to downgrade, qualify or withdraw its rating assigned to the Notes. 

“Receivable” means any Contract with respect to a new or used automobile, light-duty truck, van or other motor vehicle,
which shall appear on the Schedule of Receivables and all Related Security in connection therewith which has not been released from the lien of the Indenture. 
 “Receivable Files” has the meaning set forth in Section 2.1(a) of the Servicing Agreement. 
 “Receivables Sale Agreement” means the Receivables Sale Agreement, dated as of the Closing Date, between the Bank and FTH LLC, as amended, modified or supplemented from time to time.

 “Record Date” means, unless otherwise specified in any Transaction Document, with respect to any Payment
Date or Redemption Date, (i) for any Definitive Notes and for the Certificates, the close of business on the last Business Day of the calendar month immediately preceding the calendar month in which such Payment Date or Redemption Date

  

					
		 	19	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
occurs and (ii) for any Book-Entry Notes, the close of business on the Business Day immediately preceding such Payment Date or Redemption Date. 

“Records” means, for any Receivable, all contracts, books, records and other documents or information (including
computer programs, tapes, disks, software and related property and rights, to the extent legally transferable) relating to such Receivable or the related Obligor. 
 “Redemption Date” means, in the case of a redemption of the Notes pursuant to Section 10.1 of the Indenture, the Payment Date specified by the Administrator or the Issuer
pursuant to Section 10.1 of the Indenture. 
 “Redemption Price” means an amount equal to the sum
of (a) the unpaid Note Balance of all Notes redeemed plus (b) accrued and unpaid interest thereon at the applicable Interest Rate for the Notes being so redeemed, up to but excluding the Redemption Date. 

“Registered Holder” means the Person in whose name a Note is registered on the Note Register on the related Record Date.

 “Regular Principal Distribution Amount” means, for any Payment Date, an amount not less than zero equal to
the excess of (a) the excess of (A) the sum of the aggregate Note Balance of the Notes as such Payment Date (before giving effect to any principal payments made on the Notes on such Payment Date) over (B) the Net Pool Balance as of
the end of the related Collection Period minus the Target Overcollateralization Amount over (b) the sum of the First Allocation of Principal, the Second Allocation of Principal and the Third Allocation of Principal for that Payment Date;
provided, however, that the “Regular Principal Distribution Amount” on and after the Final Scheduled Payment Date for any Class of Notes will not be less than the amount that is necessary to reduce the Note Balance of that Class to zero
(after the application of the First Allocation of Principal, the Second Allocation of Principal and the Third Allocation of Principal). 
 “Regulation AB” means Subpart 229.1100 – Asset Backed Securities (Regulation AB), 17 C.F.R. §§229.1100-229.1123, as such regulation may be amended from time to time and
subject to such clarification and interpretation as have been provided by the Commission in the adopting release (Asset-Backed Securities, Securities Act Release No. 33-8518. 70 Fed. Reg. 1,506, 1,531 (January 7, 2005)) or by the staff of the
Commission, or as may be provided in writing by the Commission or its staff from time to time. 
 “Related
Security” means, for any Receivable, (i) the security interest in the related Financed Vehicle, (ii) any proceeds from claims on any Insurance Policy (if such Receivable became a Defaulted Receivable after the Cut-Off Date),
(iii) any other property securing the Receivables, (iv) all rights of the Originator against the related Dealer and (v) all proceeds of the foregoing. 
 “Relevant Trustee” means (i) prior to the payment in full of principal of and interest on the Notes, the Indenture Trustee and (ii) following the payment in full of principal of
and interest on the Notes, the Owner Trustee; provided, however, that with respect to any property that is under the joint or separate control of a co-trustee or separate trustee under the Trust Agreement

  

					
		 	20	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
or the Indenture, respectively, “Relevant Trustee” shall refer to either or both of the Owner Trustee and such co-trustee or separate trustee or to either or both of the Indenture
Trustee and such co-trustee or separate trustee, as the case may be. 
 “Reportable Event” means any event
required to be reported on Form 8-K, and in any event, the following: 
 (a) entry into a material definitive
agreement related to the Issuer, the Notes, the Receivables or an amendment to a Transaction Document, even if the Seller is not a party to such agreement (e.g., a servicing agreement with a servicer contemplated by Item 1108(a)(3) of
Regulation AB); 
 (b) termination of a Transaction Document (other than by expiration of the agreement on
its stated termination date or as a result of all parties completing their obligations under such agreement), even if the Seller is not a party to such agreement (e.g., a servicing agreement with a servicer contemplated by Item 1108(a)(3) of
Regulation AB); 
 (c) with respect to the Servicer only, the occurrence of a Servicer Replacement Event;

 (d) an Event of Default; 

(e) the resignation, removal, replacement or substitution of the Indenture Trustee or the Owner Trustee; and 

(f) with respect to the Indenture Trustee only, a required distribution to Holders of the Notes is not made as of the
required Payment Date under the Indenture. 
 “Repurchase Price” means, with respect to any Repurchased
Receivable, a price equal to the Outstanding Principal Balance (calculated without giving effect to the proviso in the definition of “Outstanding Principal Balance”) of such Receivable plus any unpaid accrued interest related to
such Receivable accrued to and including the end of the Collection Period preceding the date that such Repurchased Receivable was purchased by the Bank, FTH LLC, the Servicer or the Seller, as applicable. 

“Repurchased Receivable” means a Receivable purchased by the Bank pursuant to Section 3.3 of the Receivables
Sale Agreement, by FTH LLC pursuant to Section 3.3 of the Purchase Agreement, by the Servicer pursuant to Section 3.6 of the Servicing Agreement or by the Seller pursuant to Section 3.9 of the Sale Agreement.

 “Reserve Account” means the account designated as such, established and maintained pursuant to
Section 8.2(a)(iii) of the Indenture. 
 “Reserve Account Draw Amount” means, for any Payment Date,
the amount withdrawn from the Reserve Account, equal to the lesser of (a) the Available Funds Shortfall Amount, if any, for such Payment Date and (b) the amount on deposit in the Reserve Account on such Payment Date. In addition, if
the sum of the amounts in the Reserve Account and the remaining 

  

					
		 	21	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 
Available Funds after the payments under clauses first through seventh and ninth of Section 8.5(a) of the Indenture would be sufficient to pay in full the
aggregate unpaid Note Balance of all of the outstanding Classes of Notes, then the Reserve Account Draw Amount will, if so specified by the Servicer in the Servicer’s Certificate, include such additional amount as may be necessary to pay
all Outstanding Notes in full. 
 “Reserve Account Excess Amount” means, with respect to any Payment Date, an
amount equal to the excess, if any, of (a) the amount of cash or other immediately available funds in the Reserve Account on that Payment Date, after giving effect to all deposits to and withdrawals from the Reserve Account relating to
that Payment Date, over (b) the Specified Reserve Account Balance with respect to that Payment Date; provided, however, that if such Payment Date is the Redemption Date, the “Reserve Account Excess Amount” shall mean an amount equal
to the amount of cash or other immediately available funds in the Reserve Account on that Payment Date (other than investment earnings on funds on deposit in the Reserve Account), after giving effect to all deposits to and withdrawals from the
Reserve Account relating to that Payment Date. 
 “Responsible Officer” means, (a) with respect to the
Indenture Trustee, any officer within the corporate trust department of the Indenture Trustee, including any vice president, assistant vice president, assistant secretary, assistant treasurer, trust officer or any other officer of
the Indenture Trustee who customarily performs functions similar to those performed by the persons who at the time shall be such officers, respectively, or to whom any corporate trust matter is referred because of such person’s
knowledge of and familiarity with the particular subject and who, in each case, shall have direct responsibility for the administration of the Indenture, (b) with respect to the Owner Trustee, any officer within the Corporate Trust Office
of the Owner Trustee and having direct responsibility for the administration of the Issuer, including any vice president, assistant vice president, assistant treasurer, assistant secretary, associate, trust officer or financial services
officer, or any other officer customarily performing functions similar to those performed by any of the above designated officers and also, with respect to a particular matter, any other officer to whom such matter is referred because of such
officer’s knowledge of and familiarity with the particular subject and (c) with respect to the Servicer, the Bank, FTH LLC, the Seller or the Administrator, any officer of such Person having direct responsibility for the transactions
contemplated by the Transaction Documents, including the president, treasurer or secretary or any vice president, controller, assistant vice president, assistant treasurer, assistant secretary, or any other officer customarily performing
functions similar to those performed by any of the above designated officers and also, with respect to a particular matter, any other officer to whom such matter is referred because of such officer’s knowledge of and familiarity with the
particular subject. 
 “Sale Agreement” means, the Sale Agreement dated as of the Closing Date, between the
Seller and the Issuer. 
 “Sarbanes Certification” has the meaning set forth in
Section 8.19(b)(iii) of the Servicing Agreement. 
 “Sarbanes-Oxley Act” means the Sarbanes-Oxley
Act of 2002, as amended, modified or supplemented from time to time, and any successor law thereto. 

  

					
		 	22	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Schedule of Receivables” means the schedule of Receivables transferred to
the Issuer on the Closing Date. 
 “Second Allocation of Principal” means, for any Payment Date, an amount not
less than zero equal to the excess, if any, of (a) the sum of the Note Balance of the Class A Notes and the Class B Notes as of such Payment Date (before giving effect to any principal payments made on such Payment Date) minus the First
Allocation of Principal for that Payment Date over (b) the Net Pool Balance as of the last day of the related Collection Period; provided, however, that the “Second Allocation of Principal” on and after the Final
Scheduled Payment Date for the Class B Notes shall not be less than the amount that is necessary to reduce the Note Balance of the Class B Notes to zero (after the application of the First Allocation of Principal). 

“Section 941 Effective Date” has the meaning set forth in Section 12.4 of the Indenture. 

“Section 941 Rules” has the meaning set forth in Section 12.2(c) of the Indenture. 

“Securities Act” means the Securities Act of 1933, as amended. 

“Seller” means Fifth Third Holdings Funding, LLC, a Delaware limited liability company. 

“Servicer” means the Bank, initially, and any replacement Servicer appointed pursuant to the Servicing Agreement.

 “Servicer’s Certificate” means the certificate delivered pursuant to Section 3.9 of the
Servicing Agreement. 
 “Servicer Replacement Event” means any one or more of the following that shall have
occurred and be continuing: 
 (a) any failure by the Servicer to deliver or cause to be delivered any required payment to the
Indenture Trustee or the Owner Trustee for deposit into the Collection Account, which failure continues unremedied for five Business Days after discovery thereof by a Responsible Officer of the Servicer or receipt by a Responsible Officer of
the Servicer of written notice thereof from the Indenture Trustee or Noteholders evidencing at least a majority of the Note Balance (or, if no Notes are Outstanding, from the Majority Certificateholders); 

(b) any failure by the Servicer to duly observe or perform in any material respect any other of its covenants or agreements in the
Servicing Agreement (other than Section 3.15 of the Servicing Agreement), which failure materially and adversely affects the rights of the Issuer or the Noteholders or the Certificateholders, and which continues unremedied for ninety
(90) days after discovery thereof by a Responsible Officer of the Servicer or receipt by the Servicer of written notice thereof from the Indenture Trustee or Noteholders evidencing at least a majority of the Note Balance (or, if no Notes are
Outstanding, from the Majority Certificateholders) (it being understood that no Servicer Replacement Event will result from a breach by the Servicer of any covenant for which the repurchase of the affected Receivable is specified as the sole remedy
pursuant to Section 3.6 of the Servicing Agreement); 

  

					
		 	23	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 (c) any representation or warranty of the Servicer made in any Transaction Document to which
the Servicer is a party or by which it is bound or any certificate delivered pursuant to the Servicing Agreement (other than Section 3.15 of the Servicing Agreement) proves to have been incorrect in any material respect when made, which
failure materially and adversely affects the rights of the Issuer, the Noteholders or Certificateholders, and which failure continues unremedied for ninety (90) days after discovery thereof by a Responsible Officer of the Servicer or receipt by
the Servicer of written notice thereof from the Indenture Trustee or Noteholders evidencing a majority of the aggregate principal amount of the Outstanding Notes (or, if no Notes are Outstanding, from the Majority Certificateholders); or 

(d) the Servicer suffers a Bankruptcy Event; 
 provided, further, that (A) any delay or failure of performance referred to in clause (a) above shall have been caused by force majeure or other similar occurrence, the five
Business Day grace period referred to in such clause (a) shall be extended for an additional sixty (60) calendar days and (B) if any delay or failure of performance referred to in clause (b) or clause
(c) above shall have been caused by force majeure or other similar occurrence, the ninety (90) day grace period referred to in clause (b) or clause (c) shall be extended for an additional sixty
(60) calendar days. The existence or occurrence of any “material instance of noncompliance” (within the meaning of Item 1122 of Regulation AB) shall not create any presumption that any event in clauses (a),
(b) or (c) above has occurred. 
 “Servicing Agreement” means the Servicing Agreement,
dated as of the Closing Date, among the Seller, the Servicer and the Indenture Trustee, as the same may be amended, modified or supplemented from time to time. 
 “Servicing Criteria” means the “servicing criteria” set forth in Item 1122(d) of Regulation AB. 
 “Servicing Fee” means, for any Payment Date, the product of (A) one-twelfth, (B) the Servicing Fee Rate and (C) the Net Pool Balance as of the first day of the related
Collection Period (or, in the case of the first Payment Date, as of the Cut-Off Date). 
 “Servicing Fee
Rate” means 1.00% per annum. 
 “Similar Law” means any federal, state, local or non-U.S. law
that is substantially similar to Title I of ERISA or Section 4975 of the Code. 
 “Simple Interest Method”
means the method of calculating interest due on a motor vehicle receivable on a daily basis based on the actual outstanding principal balance of the receivable on that date. 

“Simple Interest Receivable” means any motor vehicle receivable pursuant to which the payments due from the
Obligors during any month are allocated between interest, principal and other charges based on the actual date on which a payment is received and for which interest is calculated using the Simple Interest Method. 

  

					
		 	24	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Specified Reserve Account Balance” means $1,500,016.81 (which is
approximately 0.30% of the initial Net Pool Balance); provided, however, on any Payment Date after the Notes are no longer Outstanding following payment in full of the principal and interest on the Notes, the “Specified Reserve Account
Balance” shall be $0. 
 “Standard & Poor’s” means Standard & Poor’s Ratings
Services, Standard & Poor’s Financial Services LLC business, or any successor that is a nationally recognized statistical rating organization. 
 “Statutory Trust Statute” means Chapter 38 of Title 12 of the Delaware Code, 12 Del. Code § 3801 et seq. 
 “Sub-Servicer” means any Affiliate of the Servicer or any sub-contractor to whom any or all duties of the Servicer (including, without limitation, its duties as custodian) under
the Transaction Documents have been delegated in accordance with Section 5.5 of the Servicing Agreement. 

“Supplemental Servicing Fees” means any and all (i) late fees, (ii) extension fees, (iii) non-sufficient
funds charges and (iv) any and all other administrative fees or similar charges allowed by applicable law with respect to any Receivable. 
 “Target Overcollateralization Amount” means, for any Payment Date, 0.40% of the Net Pool Balance as of the Cut-Off Date. 

“Third Allocation of Principal” means, for any Payment Date, an amount not less than zero equal to the excess, if any,
of (a) the sum of the Note Balance of the Class A notes, the Class B Notes and the Class C Notes minus the sum of the First Allocation of Principal and Second Allocation of Principal for that Payment Date as of such Payment Date (before
giving effect to any principal payments made on the Notes on such Payment Date) over (b) the Net Pool Balance as of the last day of the related Collection Period; provided, however, that the “Third Allocation of
Principal” on and after the Final Scheduled Payment Date for the Class C Notes shall not be less than the amount that is necessary to reduce the Note Balance of the Class C Notes to zero (after the application of the First Allocation of
Principal and Second Allocation of Principal). 
 “TIA” or “Trust Indenture Act” means the
Trust Indenture Act of 1939, as amended and as in force on the date hereof, unless otherwise specifically provided. 

“Transaction Documents” means the Indenture, the Notes, the Note Depository Agreement, the Receivables Sale Agreement,
the Sale Agreement, the Purchase Agreement, the Administration Agreement, the Servicing Agreement and the Trust Agreement, as the same may be amended or modified from time to time. 

“Transferred Assets” means (a) the Purchased Assets, (b) all of the Seller’s rights under the Purchase
Agreement, (c) all of FTH LLC’s rights under the Receivables Sale Agreement and (d) all proceeds of the foregoing. 

  

					
		 	25	 	 Appendix A to the
 Sale Agreement
 (2013-A)

 “Trust Account Property” means the Trust Accounts, all amounts and
investments held from time to time in any Trust Account (whether in the form of deposit accounts, book-entry securities, uncertificated securities or otherwise), and all proceeds of the foregoing. 

“Trust Accounts” has the meaning set forth in Section 8.2(a)(iii) of the Indenture. 

“Trust Agreement” means the Amended and Restated Trust Agreement, dated as of the Closing Date, between the Seller and
the Owner Trustee, as the same may be amended and supplemented from time to time. 
 “Trust Estate” means all
money, accounts, chattel paper, general intangibles, goods, instruments, investment property and other property of the Issuer, including without limitation (i) the Receivables acquired by the Issuer under the Sale Agreement, the Related
Security relating thereto and Collections thereon after the Cut-Off Date, (ii) the Receivable Files, (iii) any refunds in connection with extended service agreements relating to Receivables which became Defaulted Receivables after the
Cut-Off Date, (iv) the rights of the Issuer to the funds on deposit from time to time in the Trust Accounts and any other account or accounts (other than the Certificate Distribution Account) established pursuant to the Indenture or Servicing
Agreement and all cash, investment property and other property from time to time credited thereto and all proceeds thereof, (v) the rights of the Seller, as buyer, under the Purchase Agreement, (vi) the rights of the Issuer under
the Sale Agreement, (vii) the rights of FTH LLC under the Receivables Sale Agreement, and (viii) all proceeds of the foregoing. 
 “UCC” means, unless the context otherwise requires, the Uniform Commercial Code as in effect in the relevant jurisdiction, as amended from time to time. 

“Underwriting Agreement” means the Underwriting Agreement, dated as of March 19, 2013 between Credit Suisse, on
behalf of itself and as a representative of the several underwriters named therein, the Bank and the Seller. 
 “United
States” or “USA” means the United States of America (including all states, the District of Columbia and political subdivisions thereof). 
 The foregoing definitions shall be equally applicable to both the singular and plural forms of the defined terms. Unless otherwise inconsistent with the terms of this Agreement, all accounting terms
used herein shall be interpreted, and all accounting determinations hereunder shall be made, in accordance with GAAP. Amounts to be calculated hereunder shall be continuously recalculated at the time any information relevant to such calculation
changes. 

  

					
		 	26	 	 Appendix A to the
 Sale Agreement
 (2013-A)EX-10.2

 Exhibit 10.2 
 EXECUTION COPY 
  

 
  

SERVICING AGREEMENT 
 by and among  
 FIFTH THIRD AUTO TRUST 2013-A, 

as Issuer  

FIFTH THIRD BANK, 
 as Servicer 
 and  

DEUTSCHE BANK TRUST COMPANY AMERICAS, 
 as Indenture Trustee 
 Dated as of March 28, 2013 

 
  

 

 TABLE OF CONTENTS 

 

							
	 ARTICLE I
	 	 DEFINITIONS AND USAGE
	  			
			
	 SECTION 1.1
	 	 Definitions
	  	 	1	  
	 SECTION 1.2
	 	 Other Interpretive Provisions
	  	 	1	  
			
	 ARTICLE II
	 	 SERVICER AS CUSTODIAN
	  			
			
	 SECTION 2.1
	 	 Custody of Receivable Files
	  	 	2	  
			
	 ARTICLE III
	 	 ADMINISTRATION AND SERVICING OF RECEIVABLES AND TRUST PROPERTY
	  			
			
	 SECTION 3.1
	 	 Duties of Servicer
	  	 	4	  
	 SECTION 3.2
	 	 Collection of Receivable Payments
	  	 	5	  
	 SECTION 3.3
	 	 Realization Upon Receivables
	  	 	7	  
	 SECTION 3.4
	 	 Maintenance of Security Interests in Financed Vehicles
	  	 	7	  
	 SECTION 3.5
	 	 Covenants of Servicer
	  	 	8	  
	 SECTION 3.6
	 	 Purchase of Receivables Upon Breach
	  	 	8	  
	 SECTION 3.7
	 	 Servicing Fee
	  	 	8	  
	 SECTION 3.8
	 	 Administrator’s Fee
	  	 	9	  
	 SECTION 3.9
	 	 Servicer’s Certificate
	  	 	9	  
	 SECTION 3.10
	 	 Annual Officer’s Certificate; Notice of Servicer Replacement Event
	  	 	9	  
	 SECTION 3.11
	 	 Annual Registered Public Accounting Firm Attestation Report
	  	 	9	  
	 SECTION 3.12
	 	 Servicer Expenses
	  	 	10	  
	 SECTION 3.13
	 	 Exchange Act Filings
	  	 	10	  
	 SECTION 3.14
	 	 Sarbanes-Oxley Act Requirements
	  	 	10	  
	 SECTION 3.15
	 	 Compliance with the FDIC Rule
	  	 	10	  
			
	 ARTICLE IV
	 	DISTRIBUTIONS; ACCOUNTS; STATEMENTS TO THE CERTIFICATEHOLDERS AND THE NOTEHOLDERS	  			
			
	 SECTION 4.1
	 	 Establishment of Accounts
	  	 	11	  
	 SECTION 4.2
	 	 Remittances
	  	 	11	  
	 SECTION 4.3
	 	 Additional Deposits and Payments
	  	 	11	  
	 SECTION 4.4
	 	 Statements to Certificateholders and Noteholders
	  	 	11	  
	 SECTION 4.5
	 	 No Duty to Confirm
	  	 	12	  
			
	 ARTICLE V
	 	 THE SERVICER
	  			
			
	 SECTION 5.1
	 	 Representations of the Servicer
	  	 	12	  
	 SECTION 5.2
	 	 Indemnities of Servicer
	  	 	13	  
	 SECTION 5.3
	 	 Merger or Consolidation of, or Assumption of the Obligations of, Servicer
	  	 	14	  
	 SECTION 5.4
	 	 Limitation on Liability of Servicer and Others
	  	 	14	  
	 SECTION 5.5
	 	 Delegation of Duties
	  	 	15	  
	 SECTION 5.6
	 	 The Bank Not to Resign as Servicer
	  	 	15	  
	 SECTION 5.7
	 	 Servicer May Own Notes
	  	 	15	  

  
 i 

 TABLE OF CONTENTS 

(continued) 
  

							
	 ARTICLE VI
	 	 REPLACEMENT OF SERVICER
	  			
			
	 SECTION 6.1
	 	 Replacement of Servicer
	  	 	16	  
	 SECTION 6.2
	 	 Notification to Noteholders and Certificateholders
	  	 	17	  
			
	 ARTICLE VII
	 	 OPTIONAL PURCHASE
	  			
			
	 SECTION 7.1
	 	 Optional Purchase of Trust Estate
	  	 	17	  
			
	 ARTICLE VIII
	 	 MISCELLANEOUS PROVISIONS
	  			
			
	 SECTION 8.1
	 	 Amendment
	  	 	18	  
	 SECTION 8.2
	 	 Protection of Title
	  	 	19	  
	 SECTION 8.3
	 	 Notices, Etc
	  	 	20	  
	 SECTION 8.4
	 	 Choice of Law
	  	 	20	  
	 SECTION 8.5
	 	 Headings
	  	 	20	  
	 SECTION 8.6
	 	 Counterparts
	  	 	20	  
	 SECTION 8.7
	 	 Waivers
	  	 	20	  
	 SECTION 8.8
	 	 Entire Agreement
	  	 	21	  
	 SECTION 8.9
	 	 Severability of Provisions
	  	 	21	  
	 SECTION 8.10
	 	 Binding Effect
	  	 	21	  
	 SECTION 8.11
	 	 [Reserved]
	  	 	21	  
	 SECTION 8.12
	 	 Cumulative Remedies
	  	 	21	  
	 SECTION 8.13
	 	 Nonpetition Covenant
	  	 	21	  
	 SECTION 8.14
	 	 Submission to Jurisdiction; Waiver of Jury Trial
	  	 	21	  
	 SECTION 8.15
	 	 Limitation of Liability
	  	 	22	  
	 SECTION 8.16
	 	 Third-Party Beneficiaries
	  	 	23	  
	 SECTION 8.17
	 	 Information Requests
	  	 	23	  
	 SECTION 8.18
	 	 Regulation AB
	  	 	23	  
	 SECTION 8.19
	 	 Information to Be Provided by the Indenture Trustee
	  	 	23	  
	 SECTION 8.20
	 	 Form 8-K Filings
	  	 	25	  
	 SECTION 8.21
	 	 Cooperation
	  	 	25	  
	 SECTION 8.22
	 	 Not Applicable to the Bank in Other Capacities
	  	 	25	  

  

			
	Exhibit A	 	Servicing Criteria to be Addressed in Indenture Trustee’s Assessment of Compliance
	Exhibit B	 	Form of Indenture Trustee’s Annual Certification
	Exhibit C	 	Form of Indenture Trustee’s Annual Certification Regarding Item 1117 and Item 1119 of Regulation AB
	Exhibit D	 	Monthly Servicer Report

  
 ii 

 This SERVICING AGREEMENT, dated as of March 28, 2013 (together with all exhibits,
schedules and appendices hereto and as from time to time amended, supplemented or otherwise modified and in effect, this “Agreement”), by and among FIFTH THIRD AUTO TRUST 2013-A, a Delaware statutory trust (the
“Issuer”), FIFTH THIRD BANK, an Ohio banking corporation (the “Bank”), as servicer (in such capacity, the “Servicer”), and DEUTSCHE BANK TRUST COMPANY AMERICAS, a New York trust company, as
indenture trustee (the “Indenture Trustee”). 
 WHEREAS, the Issuer has acquired a portfolio 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; and 
 WHEREAS, the Bank is willing to service such motor vehicle receivables and related property on behalf of the Issuer; 
 NOW, THEREFORE, in consideration of the premises and the mutual covenants herein contained, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the
parties hereto, intending to be legally bound, agree as follows: 
 ARTICLE I 

DEFINITIONS AND USAGE 
 SECTION 1.1 Definitions. Except as otherwise specified herein or as the context may otherwise require, capitalized terms used but not otherwise defined herein are defined in Appendix A to
the Sale Agreement, dated as of March 28, 2013, between Fifth Third Holdings Funding, LLC, as seller (the “Seller”) and the Issuer, which also contains rules as to usage that are applicable herein. 

SECTION 1.2 Other Interpretive Provisions. For purposes of this Agreement, unless the context otherwise requires:
(a) accounting terms not otherwise defined in this Agreement, and accounting terms partly defined in this Agreement to the extent not defined, shall have the respective meanings given to them under GAAP (provided, that, to the extent
that the definitions in this Agreement and GAAP conflict, the definitions in this Agreement shall control); (b) terms defined in Article 9 of the UCC as in effect in the relevant jurisdiction and not otherwise defined in this Agreement are used
as defined in that Article; (c) the words “hereof,” “herein” and “hereunder” and words of similar import refer to this Agreement as a whole and not to any particular provision of this Agreement; (d) references
to any Article, Section, Schedule, Appendix or Exhibit are references to Articles, Sections, Schedules, Appendices and Exhibits in or to this Agreement and references to any paragraph, subsection, clause or other subdivision within any Section or
definition refer to such paragraph, subsection, clause or other subdivision of such Section or definition; (e) the term “including” and all variations thereof means “including without limitation”; (f) except as
otherwise expressly provided herein, references to any law or regulation refer to that law or regulation as amended from time to time and include any successor law or regulation; (g) references to any Person include that Person’s
successors and assigns; and (h) headings are for purposes of reference only and shall not otherwise affect the meaning or interpretation of any provision herein. 

  

					
		  		  	 Servicing Agreement
 (2013-A)

 ARTICLE II 
 SERVICER AS CUSTODIAN 
 SECTION 2.1 Custody of Receivable Files.

 (a) Custody. To assure uniform quality in servicing the Receivables and to reduce administrative costs, the Issuer and
the Indenture Trustee, upon the execution and delivery of this Agreement, hereby revocably appoint the Servicer, and the Servicer hereby accepts such appointment, to act solely on behalf of and for the benefit of the Indenture Trustee as custodian
of the following documents or instruments, which are hereby or will hereby be constructively delivered to the Indenture Trustee (or its agent or designee), as pledgee of the Issuer pursuant to the Indenture with respect to each Receivable (but only
to the extent applicable to such Receivable and only to the extent held in tangible paper or electronic form) (the “Receivable Files”): 
  

	 	(i)	the fully executed original, electronically authenticated original or authenticated copy of the Contract (in each case within the meaning of the UCC) related to such
Receivable, including any written amendments or extensions thereto; 

  

	 	(ii)	the original credit application or a photocopy thereof to the extent held in paper form; 

 

	 	(iii)	the original Certificate of Title or, if not yet received, evidence that an application therefore has been submitted with the appropriate authority, a guaranty of title
from a Dealer or such other document (electronic or otherwise, as used in the applicable jurisdiction) that the Servicer keeps on file, in accordance with its Customary Servicing Practices, evidencing the security interest of the Originator in the
Financed Vehicle; provided, however, that in lieu of being held in the Receivable File, the Certificate of Title may be held by a third party service provider engaged by the Servicer to obtain or hold Certificates of Title; and

  

	 	(iv)	any and all other documents that the Servicer keeps on file, in accordance with its Customary Servicing Practices, relating to a Receivable, an Obligor or a Financed
Vehicle (but only to the extent applicable to such Receivable and only to the extent held in tangible paper form or electronic form). 

 The foregoing appointment of the Servicer is deemed to be made with due care. 

(b) Safekeeping. The Servicer, in its capacity as custodian, shall hold the Receivable Files for the benefit of the Issuer and the
Indenture Trustee, as pledgee of the Issuer. In performing its duties as custodian, the Servicer shall act in accordance with its Customary Servicing Practices. The Servicer may, in accordance with its Customary Servicing Practices:
(i) maintain all or a portion of the Receivable Files in electronic form and (ii) maintain custody of all or any portion of the Receivable Files with one or more of its agents or designees. After the

  

					
		 	2	 	 Servicing Agreement
 (2013-A)

 
satisfaction and discharge of the Indenture, the Servicer shall act as custodian of the Receivable Files for the benefit of the Issuer. 

(c) Maintenance of and Access to Records. The Servicer will maintain each Receivable File in the United States (it being
understood that the Receivable Files, or any part thereof, may be maintained at the offices of any Person to whom the Servicer has delegated responsibilities in accordance with Section 5.5). The Servicer will make available to the Issuer
and the Indenture Trustee or their duly authorized representatives, attorneys or auditors a list of locations of the Receivable Files upon request. The Servicer will provide access to the Receivable Files, and the related accounts, records, and
computer systems maintained by the Servicer at such times as the Issuer or the Indenture Trustee direct, but only upon reasonable notice and during the normal business hours, which do not unreasonably interfere with the Servicer’s normal
operations, at the respective offices of the Servicer; provided, however, that in the case of this clause (c), an officer of the Bank, must be present during any such visit or discussion. 

(d) Release of Documents. Upon written instructions from the Indenture Trustee, the Servicer will release or cause to be released
any document in the Receivable Files to the Indenture Trustee, the Indenture Trustee’s agent or the Indenture Trustee’s designee, as the case may be, at such place or places as the Indenture Trustee may designate, as soon thereafter as is
practicable, to the extent it does not unreasonably interfere with the Servicer’s normal operations. Any document so released will be handled by the Indenture Trustee with due care and returned to the Servicer for safekeeping as soon as the
Indenture Trustee or its agent or designee, as the case may be, has no further need therefor. The Servicer shall not be responsible for any loss occasioned by the failure of the Indenture Trustee or its agent or designee to return any document or
any delay in doing so. 
 (e) Instructions; Authority to Act. All instructions from the Indenture Trustee will be in
writing and signed by an Authorized Officer of the Indenture Trustee, and the Servicer will be deemed to have received proper instructions with respect to the Receivable Files upon its receipt of such written instructions. 

(f) Custodian’s Indemnification. Subject to Section 5.2, the Servicer as custodian will indemnify the Issuer and
the Indenture Trustee for any and all liabilities, obligations, losses, compensatory damages, payments, costs, or expenses of any kind whatsoever that may be imposed on, incurred by, or asserted against the Issuer or the Indenture Trustee as the
result of any improper act or omission in any way relating to the maintenance and custody by the Servicer as custodian of the Receivable Files; provided, however, that the Servicer will not be liable (i) to the Indenture Trustee
or to the Issuer for any portion of any such amount resulting from the willful misconduct, bad faith, breach of contract or negligence of the Indenture Trustee or the Issuer or (ii) to the Indenture Trustee for any portion of any such amount
resulting from the failure of the Indenture Trustee, the Indenture Trustee’s agent or the Indenture Trustee’s designee to handle with due care any Certificate of Title or other document released to the Indenture Trustee or the Indenture
Trustee’s agent or designee pursuant to Section 2.1(d). 
 (g) Effective Period and Termination. The
Servicer’s appointment as custodian will become effective as of the Cut-Off Date and will continue in full force and effect until 

  

					
		 	3	 	 Servicing Agreement
 (2013-A)

 
terminated pursuant to this Section. If the Bank resigns as Servicer in accordance with the provisions of this Agreement or if all of the rights and obligations of the Servicer have been
terminated under Section 6.1, the appointment of the Servicer as custodian hereunder may be terminated by the Indenture Trustee, or by the Noteholders evidencing not less than a majority of the Note Balance of the Controlling Class, in
the same manner as the Relevant Trustee or such Noteholders may terminate the rights and obligations of the Servicer under Section 6.1. As soon as practicable after any termination of such appointment, the Servicer will deliver to the
successor custodian the Receivable Files and the related accounts and records maintained by the Servicer at such place or places as the successor custodian may reasonably designate. No such termination or resignation shall be given effect until a
successor custodian has assumed the duties as custodian hereunder and in the Transaction Documents. 
 ARTICLE III 

ADMINISTRATION AND SERVICING OF 
 RECEIVABLES AND TRUST PROPERTY 
 SECTION 3.1 Duties of Servicer.

 (a) The Servicer is hereby appointed by the Issuer and authorized to act as agent for the Issuer and in such capacity shall
manage, service, administer and make collections on the Receivables in accordance with its Customary Servicing Practices, subject to the provisions herein, using the degree of skill and attention that the Servicer exercises with respect to all
comparable motor vehicle receivables that it services for itself or others. The Servicer’s duties will include collection and posting of all payments, responding to inquiries of Obligors on such Receivables, investigating delinquencies, sending
invoices or payment coupons to Obligors, reporting any required tax information to Obligors, accounting for Collections and furnishing monthly and annual statements to the Indenture Trustee with respect to distributions. The Servicer is not required
under the Transaction Documents to make any disbursements via wire transfer or otherwise on behalf of an Obligor. The Servicer hereby accepts such appointment and authorization and agrees to perform the duties of Servicer with respect to the
Receivables set forth herein. 
 (b) Subject to the provisions of Section 3.2 and any other provision in this
Agreement restricting the Servicer or specifying obligations different from the Customary Servicing Practices, the Servicer will follow its Customary Servicing Practices and will have full power and authority to do any and all things in connection
with such managing, servicing, administration and collection that it may deem necessary or desirable. Without limiting the generality of the foregoing, the Servicer is hereby authorized and empowered to execute and deliver, on behalf of itself, the
Issuer, the Owner Trustee, the Indenture Trustee, the Noteholders, the Certificateholder, or any of them, any and all instruments of satisfaction or cancellation, or partial or full release or discharge, and all other comparable instruments, with
respect to such Receivables or to the Financed Vehicles securing such Receivables. The Servicer is hereby authorized to commence, in its own name or in the name of the Issuer, a legal Proceeding to enforce a Receivable or an Insurance Policy or to
commence or participate in any other legal Proceeding (including a bankruptcy Proceeding) relating to or involving a Receivable, an Obligor, a Financed Vehicle or an Insurance Policy. If the Servicer commences a legal

  

					
		 	4	 	 Servicing Agreement
 (2013-A)

 
Proceeding to enforce a Receivable, the Issuer will thereupon be deemed to have automatically assigned such Receivable or its rights under such Insurance Policy to the Servicer solely for
purposes of commencing or participating in any such Proceeding as a party or claimant, and the Servicer is authorized and empowered by the Issuer to execute and deliver in the Servicer’s name any notices, demands, claims, complaints, responses,
affidavits or other documents or instruments in connection with any such Proceeding. If in any enforcement suit or legal Proceeding it is held that the Servicer may not enforce a Receivable or Insurance Policy on the ground that it is not a real
party in interest or a holder entitled to enforce the Receivable or Insurance Policy, the Issuer will, at the Servicer’s expense and direction, take steps to enforce the Receivable or Insurance Policy, including bringing suit in its name or the
name of the Indenture Trustee. The Issuer will furnish the Servicer with any powers of attorney and other documents reasonably necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties hereunder. The
Servicer, at its expense, will obtain on behalf of the Issuer all licenses, if any, reasonably requested by the Seller to be held by the Issuer in connection with ownership of the Receivables, and will make all filings and pay all fees as may be
required in connection therewith during the term hereof. 
 (c) The Servicer hereby agrees that upon its resignation and the
appointment of a successor Servicer hereunder, the Servicer will terminate its activities as Servicer hereunder in accordance with Section 6.1, and, in any case, in a manner which the Indenture Trustee reasonably determines will
facilitate the transition of the performance of such activities to such successor Servicer, and the Servicer shall cooperate with and assist such successor Servicer. 
 (d) The Servicer shall not be required to maintain a fidelity bond or error and omissions policy or to monitor whether Obligors maintain an Insurance Policy on the Financed Vehicles. 

SECTION 3.2 Collection of Receivable Payments. (a) The Servicer will make reasonable efforts to collect all payments called
for under the terms and provisions of the Receivables as and when the same become due in accordance with its Customary Servicing Practices. Subject to Section 3.5, the Servicer may grant Permitted Modifications, but not any other
extension, deferral, amendment, modification, alteration or adjustment, with respect to any Receivable in accordance with its Customary Servicing Practices; provided, however, that if the Servicer (i) extends the date for final
payment by the Obligor of any Receivable beyond the last day of the Collection Period preceding the latest Final Scheduled Payment Date of any Notes issued under the Indenture or (ii) reduces the Contract Rate or Outstanding Principal Balance
with respect to any Receivable other than as required by applicable law (including, without limitation, by the Servicemembers Civil Relief Act) or court order or in connection with a settlement in the event the Receivable becomes a Defaulted
Receivable, it will promptly purchase such Receivable in the manner provided in Section 3.6; provided, further, that the Servicer shall not make a modification described in the preceding clause (i) or (ii) that
would trigger a purchase pursuant to Section 3.6 for the sole purpose of purchasing a Receivable from the Issuer. The Servicer shall not be required to make any advances of funds or guarantees regarding collections, cash flows or
distributions. Subject to the proviso of the second sentence of this Section 3.2, the Servicer and its Affiliates (each in its individual capacity and not on behalf of the Issuer) may engage in any marketing practice or promotion or any
sale of any products, goods or services to Obligors with respect to the Receivables so long as such practices, 

  

					
		 	5	 	 Servicing Agreement
 (2013-A)

 
promotions or sales are offered to obligors of comparable motor vehicle receivables serviced by the Servicer for itself and others, whether or not such practices, promotions or sales might result
in a decrease in the aggregate amount of payments on the Receivables, prepayments or faster or slower timing of the payment of the Receivables. The Servicer and its Affiliates (each in its individual capacity and not on behalf of the Issuer) may
also sell insurance or debt cancellation products, including products which result in the cancellation of some or all of the amount of a Receivable upon the death or disability of the Obligor or any casualty with respect to the Financed Vehicle.

 “Permitted Modification” means an extension, deferral, amendment, modification, alteration or adjustment to
the terms of, or with respect to, any Receivable with respect to which at least one of the following conditions has been satisfied: 
  

	 	(i)	any amendment, modification, alteration or adjustment, individually and collectively with any other amendment, modification, alteration or adjustment proposed to be
made with respect to the Receivable, is ministerial in nature; 

  

	 	(ii)	in the case of an extension or deferral, (A) the Obligor is in payment default or, in the judgment of the Servicer in accordance with Customary Servicing
Practices, it is reasonably foreseeable that the Obligor will default (it being understood that the Servicer may proactively contact any Obligor whom the Servicer believes may be at higher risk of a payment default under the related Receivable) and
(B) the number of monthly payments on such Receivable that are extended or deferred does not exceed six monthly payments or, if the Receivable has an original term greater than 72 months, does not exceed seven monthly payments, in each case,
exclusive of any Permitted Modification in accordance with clause (iii) below; 

  

	 	(iii)	in the case of an extension or deferral, (A) the Obligor’s address is within a geographic area determined by the President of the United States or the
Governor of the applicable state to warrant individual, or individual and public, assistance from the federal government under the Robert T. Stafford Disaster Relief and Emergency Assistance Act or similar state law, as the case may be, and
(B) the number of monthly payments on such Receivable that are extended or deferred pursuant to clause (iii)(A) may not exceed four monthly payments (exclusive of any Permitted Modification in accordance with clause (ii) above); or

  

	 	(iv)	 any such extension, deferral, amendment, modification, alteration or adjustment, including a “payment holiday” or “skip-a-pay”
extension granted to an Obligor, is in accordance with the Servicer’s Customary Servicing Practices and the Servicer has delivered an opinion to the Issuer, the Indenture Trustee and the Owner Trustee to the effect that such extension,
deferral, amendment, modification, alteration or adjustment will not cause the Issuer to be treated, for United States federal income tax 

  

					
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purposes, as an association (or a publicly traded partnership) taxable as a corporation or as other than a grantor trust of the type described in Treasury Regulation section 301.7701-4(c).

 (b) The Servicer may in its discretion waive any late payment charge or any other fees that may be collected in
the ordinary course of servicing a Receivable. 
 (c) Notwithstanding anything in this Agreement to the contrary, the Servicer
may refinance any Receivable at the request of the Obligor by making a new loan to the related Obligor and depositing the full Outstanding Principal Balance of such Receivable into the Collection Account. The receivable created by such refinancing
shall not be the property of the Issuer. The Outstanding Principal Balance shall be treated for all purposes, including for tax purposes, as a payoff of all amounts owed by the related Obligor with respect to such Receivable. 

SECTION 3.3 Realization Upon Receivables. On behalf of the Issuer, the Servicer will use commercially reasonable efforts,
consistent with its Customary Servicing Practices, to repossess or otherwise convert the ownership of the Financed Vehicle securing any Receivable as to which the Servicer has determined eventual payment in full is unlikely unless it determines in
its sole discretion that repossession will not increase the Liquidation Proceeds by an amount greater than the expense of such repossession or that the proceeds ultimately recoverable with respect to such Receivable would be increased by
forbearance. The Servicer will follow such Customary Servicing Practices as it deems necessary or advisable, which may include reasonable efforts to realize upon any recourse to any Dealer and selling the Financed Vehicle at public or private sale.
The foregoing will be subject to the provision that, in any case in which the Financed Vehicle has suffered damage, the Servicer shall not be required to expend funds in connection with the repair or the repossession of such Financed Vehicle unless
it determines in its sole discretion that such repair and/or repossession will increase the Liquidation Proceeds by an amount greater than the amount of such expenses. In addition, the Servicer may from time to time (but is not required to) sell any
deficiency balance in accordance with its Customary Servicing Practices; provided, however, that (i) such sale must be to a Person who is not an Affiliate of the Servicer, (ii) each sale must be made at a price equal to the
fair market value of such deficiency balance in cash in immediately available funds and (iii) such sale must be without recourse, representation or warranty by the Issuer or the Servicer (other than any representation or warranty regarding the
absence of Liens, that the Issuer has good title to the deficiency balance, or similar representation or warranty). Net proceeds of any such sale allocable to the Receivable will constitute Liquidation Proceeds, and the sole right of the Issuer and
the Indenture Trustee with respect to any such sold Receivables will be to receive such Liquidation Proceeds. Upon such sale, the Servicer will mark its computer records indicating that any such receivable sold is no longer a Receivable. The
Servicer is authorized to take any and all actions necessary or appropriate on behalf of the Issuer to evidence the sale of the Receivable free from any Lien or other interest of the Issuer or the Indenture Trustee. 

SECTION 3.4 Maintenance of Security Interests in Financed Vehicles. The Servicer will, in accordance with its Customary Servicing
Practices, take such steps as are necessary to maintain perfection of the security interest created by each Receivable in the related Financed Vehicle. The provisions set forth in this Section are the sole requirements under the Transaction

  

					
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Documents with respect to the maintenance of collateral or security for the Receivables. It is understood that the Financed Vehicles are the collateral and security for the Receivables, but that
the Certificate of Title with respect to a Financed Vehicle does not constitute collateral and merely evidences such security interest. The Issuer hereby authorizes the Servicer to take such steps as are necessary to re-perfect such security
interest on behalf of the Issuer and the Indenture Trustee in the event of the relocation of a Financed Vehicle or for any other reason. 
 SECTION 3.5 Covenants of Servicer. Unless required by law or court order, the Servicer will not release the Financed Vehicle securing each such Receivable from the security interest granted by such
Receivable in whole or in part except (a) in the event of payment in full by or on behalf of the Obligor thereunder or payment in full less a deficiency which the Servicer would not attempt to collect in accordance with its Customary Servicing
Practices, (b) in connection with repossession or (c) as may be required by an insurer in order to receive proceeds from any Insurance Policy covering such Financed Vehicle. 

SECTION 3.6 Purchase of Receivables Upon Breach. Upon discovery by any party hereto of a breach of any of the covenants set forth
in Section 3.2, 3.3, 3.4 or 3.5 with respect to any Receivable which materially and adversely affects the interests of the Issuer or the Noteholders, the party discovering such breach shall give prompt written notice
thereof to the other parties hereto; provided, that delivery of a Servicer’s Certificate which identifies the Receivables that are being or have been repurchased shall be deemed to constitute prompt notice by the Servicer and the Issuer
of such breach; provided, further, that the failure to give such notice shall not affect any obligation of the Servicer hereunder. If the breach materially and adversely affects the interests of the Issuer or the Noteholders, then the
Servicer shall either (a) correct or cure such breach or (b) purchase such Receivable from the Issuer, in either case on or before the Payment Date following the end of the Collection Period which includes the 60th day (or, if the Servicer
elects, an earlier date) after the date that the Servicer became aware or was notified of such breach. Any such breach or failure will be deemed not to have a material and adverse effect if such breach or failure does not affect the ability of the
Issuer to receive and retain timely payment in full on such Receivable. Any such purchase by the Servicer shall be at a price equal to the Repurchase Price. In consideration for such purchase, the Servicer shall make (or shall cause to be made) a
payment to the Issuer equal to the Repurchase Price by depositing such amount into the Collection Account prior to 11:00 a.m., New York City time on the date of such purchase, if such repurchase date is not a Payment Date or, if such repurchase date
is a Payment Date, then prior to the close of business on the Business Day prior to such repurchase date. Upon payment of such Repurchase Price by the Servicer, the Issuer and the Indenture Trustee shall release and shall execute and deliver such
instruments of release, transfer or assignment, in each case without recourse or representation and as prepared by and at the expense of the Servicer, as shall be reasonably necessary to vest in the Servicer or its designee any Receivable and the
related Transferred Assets purchased pursuant hereto. It is understood and agreed that the obligation of the Servicer to purchase any Receivable as described above shall constitute the sole remedy respecting such breach available to the Issuer and
the Indenture Trustee. 
 SECTION 3.7 Servicing Fee. On each Payment Date, the Issuer shall pay to the Servicer the
Servicing Fee in accordance with Section 8.5 of the Indenture for the immediately preceding Collection Period as compensation for its services. In addition, the Servicer will be 

  

					
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entitled to retain all Supplemental Servicing Fees. The Servicer also will be entitled to receive investment earnings (net of investment losses and expenses) on funds deposited in the Collection
Account during each Collection Period. 
 SECTION 3.8 Administrator’s Fee. The Servicer shall pay the fees and
expenses of the Administrator described in Section 3 of the Administration Agreement. 
 SECTION 3.9
Servicer’s Certificate. On or before the Determination Date preceding each Payment Date, the Servicer shall deliver to the Indenture Trustee and each Paying Agent, with a copy to each of the Rating Agencies, a Servicer’s Certificate
containing all information necessary to make the payments, transfers and distributions pursuant to Section 4.3 and Sections 8.2, 8.4 and 8.5 of the Indenture on such Payment Date. At the sole option of the Servicer,
each Servicer’s Certificate may be delivered in electronic or hard copy format. 
 SECTION 3.10 Annual Officer’s
Certificate; Notice of Servicer Replacement Event. (a) So long as the Seller is filing any reports with respect to the Issuer under the Exchange Act, the Servicer will deliver to the Issuer, with a copy to the Indenture Trustee, on or
before March 30 of each calendar year, beginning on March 30, 2014, an Officer’s Certificate (with appropriate insertions) providing such information as is required under Item 1123 of Regulation AB. 

(b) The Servicer will deliver to the Issuer, with a copy to the Indenture Trustee promptly after having obtained knowledge thereof
written notice in an Officer’s Certificate of any event which with the giving of notice or lapse of time, or both, would become a Servicer Replacement Event. Except to the extent set forth in this Section 3.9(b),
Section 6.2 and Section 8.20 of this Agreement and Section 3.12 and Section 6.5 of the Indenture, the Transaction Documents do not require any policies or procedures to monitor any performance or other
triggers and events of default. 
 (c) So long as the Seller is filing any reports with respect to the Issuer under the Exchange
Act, the Servicer will deliver to the Issuer on or before March 30 of each year, beginning on March 30, 2014, a report regarding the Servicer’s assessment of compliance with the Servicing Criteria during the immediately preceding
calendar year, including disclosure of any material instance of non-compliance identified by the Servicer, as required under paragraph (b) of Rule 13a-18 and Rule 15d-18 of the Exchange Act and Item 1122 of Regulation AB. 

SECTION 3.11 Annual Registered Public Accounting Firm Attestation Report. 

(a) So long as the Seller is filing any reports with respect to the Issuer under the Exchange Act, on or before the 90th day following
the end of each fiscal year, beginning with the fiscal year ending December 31, 2013, the Servicer shall cause a firm of independent registered public accountants (who may also render other services to the Servicer, the Seller or their
respective Affiliates) to furnish to the Issuer, with a copy to the Indenture Trustee, the Bank, the Servicer and the Seller each attestation report on assessments of compliance with the Servicing Criteria with respect to the Servicer or any
Affiliate thereof during the related fiscal year delivered by such accountants pursuant to paragraph (c) of Rule 13a-18 or Rule 15d-18 of the Exchange Act and Item 1122 of Regulation AB. The certification required by this paragraph

  

					
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may be replaced by any similar certification using other procedures or attestation standards which are now or in the future in use by servicers of comparable assets, or which otherwise comply
with any rule, regulation, “no action” letter or similar guidance promulgated by the Commission. 
 (b)
Notwithstanding Section 3.10(a), the Servicer, however, shall not be obligated to add as an addressee or reliance party with respect to any report described above any Person who does not comply with or agree to the required procedures of
such firm of independent certified public accountants, including but not limited to execution of engagement letters or access letters regarding such reports. 
 SECTION 3.12 Servicer Expenses. The Servicer shall pay all expenses (other than expenses described in the definition of Liquidation Proceeds) incurred by it in connection with its activities
hereunder, including fees and disbursements of independent accountants, taxes imposed on the Servicer and expenses incurred in connection with distributions and reports to the Noteholders and the Certificateholder. The Servicer shall also pay all
fees, expenses, and indemnities of the Indenture Trustee (as described in, and pursuant to the limitations set forth in, Section 6.7 of the Indenture) and the Owner Trustee (as described in, and pursuant to the limitations set forth in,
Sections 8.1 and 8.2 of the Trust Agreement. 
 SECTION 3.13 Exchange Act Filings. The Issuer hereby
authorizes the Servicer and the Seller, or either of them, to prepare, sign, certify and file any and all reports, statements and information respecting the Issuer and/or the Notes required to be filed pursuant to the Exchange Act, and the rules
thereunder. 
 SECTION 3.14 Sarbanes-Oxley Act Requirements. To the extent any documents are required to be filed or any
certification is required to be made with respect to the Issuer or the Notes pursuant to the Sarbanes-Oxley Act, the Issuer hereby authorizes the Servicer to prepare, sign, certify and file any such documents or certifications on behalf of the
Issuer. 
 SECTION 3.15 Compliance with the FDIC Rule. The Servicer (i) shall perform the covenants set forth in
Article XII of the Indenture applicable to it and (ii) shall facilitate compliance with Article XII of the Indenture by the Fifth Third Parties. 

  

					
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 ARTICLE IV 
 DISTRIBUTIONS; ACCOUNTS; 
 STATEMENTS TO THE CERTIFICATEHOLDERS 

AND THE NOTEHOLDERS 
 SECTION 4.1 Establishment of Accounts. (a) The Servicer shall cause to be established the Trust Accounts and the Certificate Distribution Account in the manner set forth in
Section 8.2(a) of the Indenture. If the Certificate Distribution Account ceases to be an Eligible Account, the Servicer, on behalf of the Owner Trustee, shall comply with Section 5.6 of the Trust Agreement if the Certificate
Distribution Account is not then held by the Owner Trustee or an Affiliate thereof. If any Trust Account ceases to be an Eligible Account, the Servicer shall comply with Section 8.3(b) of the Indenture. 

(b) The Servicer may, but shall not be obligated to, select Permitted Investments with respect to funds on deposit in the Collection
Account in accordance with Section 8.3 of the Indenture. 
 SECTION 4.2 Remittances. The Servicer shall
deposit an amount equal to all Collections into the Collection Account within the time, not to exceed two Business Days, necessary for the Servicer to clear any payments of Collections received. Pending deposit in the Collection Account, Collections
may be used by the Servicer at its own risk and are not required to be segregated from its own funds. 
 SECTION 4.3
Additional Deposits and Payments. On the date specified in Section 3.6 of this Agreement, the Servicer will deposit into the Collection Account the aggregate Repurchase Price with respect to Repurchased Receivables purchased by
the Servicer pursuant to Section 3.6 on such date and the Servicer will deposit into the Collection Account all amounts, if any, to be paid under Section 7.1 in connection with the Optional Purchase. All such deposits with
respect to any such date which is a Payment Date will be made, in immediately available funds by the close of business on the Business Day prior to such Payment Date related to such Collection Period. 

SECTION 4.4 Statements to Certificateholders and Noteholders. On or before each Determination Date, the Servicer shall deliver to
the Indenture Trustee, the Owner Trustee and each Paying Agent (with a copy to each Rating Agency and the Issuer) a monthly servicer report substantially in the form attached hereto as Exhibit D (each, a “Monthly Servicer
Report”). No disbursements shall be made directly by the Servicer to a Noteholder or a Certificateholder, and the Servicer shall not be required to maintain any investor record relating to the posting of disbursements or otherwise. Delivery
of the Monthly Servicer Report to the Indenture Trustee and the Owner Trustee is for informational purposes only and the Indenture Trustee’s 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 Indenture Trustee and the Owner Trustee are entitled to rely exclusively on
Officer’s Certificates). 

  

					
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 SECTION 4.5 No Duty to Confirm. The Indenture Trustee and the Owner Trustee shall
have no duty or obligation to verify or confirm the accuracy of any of the information or numbers set forth in the Servicer’s Certificate delivered by the Servicer to the Indenture Trustee and the Owner Trustee, and the Indenture Trustee and
the Owner Trustee shall be fully protected in relying upon such Servicer’s Certificate with no liability therefor. 

ARTICLE V 
 THE
SERVICER 
 SECTION 5.1 Representations of the Servicer. The Servicer makes the following representations and warranties
as of the Closing Date on which the Issuer will be deemed to have relied in acquiring the Transferred Assets. The representations and warranties speak as of the execution and delivery of this Agreement and will survive the conveyance of the
Transferred Assets to the Issuer and the pledge thereof by the Issuer to the Indenture Trustee pursuant to the Indenture: 
 (a)
Existence and Power. The Servicer is a banking corporation validly existing and in good standing under the laws of its state of organization and has, in all material respects, all power and authority to carry on its business as it is now
conducted. The Servicer has obtained all necessary licenses and approvals in each jurisdiction where the failure to do so would materially and adversely affect the ability of the Servicer to perform its obligations under the Transaction Documents or
affect the enforceability or collectibility of the Receivables or any other part of the Transferred Assets. 
 (b)
Authorization and No Contravention. The execution, delivery and performance by the Servicer of the Transaction Documents to which it is a party (i) have been duly authorized by all necessary action on the part of the Servicer and
(ii) do not contravene or constitute a default under (A) any applicable law, rule or regulation, (B) its organizational documents or (C) any material agreement, contract, order or other instrument to which it is a party or its
property is subject (other than violations which do not affect the legality, validity or enforceability of any of such agreements and which, individually or in the aggregate, would not materially and adversely affect the transactions contemplated
by, or the Servicer’s ability to perform its obligations under, the Transaction Documents). 
 (c) No Consent
Required. No approval or authorization by, or filing with, any Governmental Authority is required in connection with the execution, delivery and performance by the Servicer of any Transaction Document other than (i) UCC filings,
(ii) approvals and authorizations that have previously been obtained and filings that have previously been made and (iii) approvals, authorizations or filings which, if not obtained or made, would not have a material adverse effect on the
enforceability or collectibility of the Receivables or would not materially and adversely affect the ability of the Servicer to perform its obligations under the Transaction Documents. 

(d) Binding Effect. Each Transaction Document to which the Servicer is a party constitutes the legal, valid and binding obligation
of the Servicer enforceable against the Servicer in accordance with its terms, except as such enforceability may be limited by applicable 

  

					
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bankruptcy, insolvency, reorganization, moratorium, receivership, conservatorship or other similar laws affecting creditors’ rights generally and, if applicable, the rights of creditors of
corporations from time to time in effect or by general principles of equity. 
 (e) No Proceedings. There are no actions,
suits or Proceedings pending or, to the knowledge of the Servicer, threatened against the Servicer before or by any Governmental Authority that (i) assert the invalidity or unenforceability of this Agreement or any of the other Transaction
Documents, (ii) seek to prevent the issuance of the Notes or the consummation of any of the transactions contemplated by this Agreement or any of the other Transaction Documents, (iii) seek any determination or ruling that would materially
and adversely affect the performance by the Servicer of its obligations under this Agreement or any of the other Transaction Documents or the collectibility or enforceability of the Receivables, or (iv) relate to the Servicer that would
materially and adversely affect the federal or Applicable Tax State income, excise, franchise or similar tax attributes of the Notes. 
 SECTION 5.2 Indemnities of Servicer. The Servicer will be liable in accordance herewith only to the extent of the obligations specifically undertaken by the Servicer under this Agreement, and
hereby agrees to the following: 
 (a) The Servicer will defend, indemnify and hold harmless the Issuer, the Owner Trustee, the
Indenture Trustee and the Seller from and against any and all costs, expenses, losses, damages, claims and liabilities, arising out of or resulting from the use, ownership or operation by the Servicer or any Affiliate thereof of a Financed Vehicle.
The Servicer will compensate and indemnify the Administrator to the extent and subject to the conditions set forth in Section 3 of the Administration Agreement. 
 (b) The Servicer will indemnify, defend and hold harmless the Issuer, the Owner Trustee and the Indenture Trustee from and against any taxes that may at any time be asserted against any such Person with
respect to the transactions contemplated herein or in the other Transaction Documents, if any, including, without limitation, any sales, gross receipts, general corporation, tangible personal property, privilege, or license taxes (but, in the case
of the Issuer, not including any taxes asserted with respect to, and as of the date of, the conveyance of the Receivables to the Issuer or the issuance and original sales of the Notes, or asserted with respect to ownership of the Receivables, or
federal or other Applicable Tax State income taxes arising out of the transactions contemplated by this Agreement and the other Transaction Documents) and costs and expenses in defending against the same. For the avoidance of doubt, the Servicer
will not indemnify for any costs, expenses, losses, claims, damages or liabilities due to the credit risk of the Obligor and for which reimbursement would constitute recourse for uncollectible Receivables. 

(c) The Servicer will indemnify, defend and hold harmless the Issuer, the Owner Trustee, the Indenture Trustee and the Seller from and
against any and all costs, expenses, losses, claims, damages, and liabilities to the extent that such cost, expense, loss, claim, damage, or liability arose out of, or was imposed upon any such Person through, the negligence, willful misfeasance, or
bad faith (other than errors in judgment) of the Servicer in the performance of its duties under this Agreement or any other Transaction Document to which it is a party, or by reason of its failure to perform its obligations or of reckless disregard
of its obligations and 

  

					
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duties under this Agreement or any other Transaction Document to which it is a party; provided, however, that the Servicer will not indemnify for any costs, expenses, losses,
claims, damages or liabilities arising from its breach of any covenant for which the repurchase of the affected Receivables is specified as the sole remedy pursuant to Section 3.6. 

(d) The Servicer will compensate and indemnify the Owner Trustee to the extent and subject to the conditions set forth in Sections
8.1 and 8.2 of the Trust Agreement. The Servicer will compensate and indemnify the Indenture Trustee to the extent and subject to the conditions set forth in Section 6.7 of the Indenture, except to the extent that any cost,
expense, loss, claim, damage or liability arises out of or is incurred in connection with the performance by the Indenture Trustee of the duties of a successor Servicer hereunder. 

(e) Indemnification under this Section 5.2 by the Bank (or any successor thereto pursuant to Section 6.1) as
Servicer, with respect to the period such Person was the Servicer, will survive the termination of such Person as Servicer or a resignation by such Person as Servicer as well as the termination of this Agreement and the Trust Agreement or the
resignation or removal of the Owner Trustee or the Indenture Trustee and will include reasonable fees and expenses of counsel and expenses of litigation. If the Servicer has made any indemnity payments pursuant to this Section 5.2 and
the Person to or on behalf of whom such payments are made thereafter collects any of such amounts from others, such Person will promptly repay such amounts to the Servicer, without interest. 

SECTION 5.3 Merger or Consolidation of, or Assumption of the Obligations of, Servicer. Any Person (i) into which the Servicer
may be merged or converted or with which it may be consolidated, to which it may sell or transfer its business and assets as a whole or substantially as a whole, (ii) resulting from any merger, sale, transfer conversion, or consolidation to
which the Servicer shall be a party, (iii) succeeding to the business of the Servicer, or (iv) more than 50% of the voting stock or voting power and 50% or more of the economic equity of which is owned directly or indirectly by Fifth Third
Bancorp, which Person in any of the foregoing cases executes an agreement of assumption to perform every obligation of the Servicer under this Agreement, will be the successor to the Servicer under this Agreement without the execution or filing of
any document or any further act on the part of any of the parties to this Agreement anything herein to the contrary notwithstanding. The Servicer shall provide prior notice of the effective date of any merger, conversion, consolidation or succession
pursuant to this Section 5.3 to the Rating Agencies, the Indenture Trustee, the Owner Trustee and the Seller. The Servicer shall provide the Seller in writing such information as reasonably requested by the Seller to comply with its
Exchange Act reporting obligations with respect to a successor Servicer. 
 SECTION 5.4 Limitation on Liability of Servicer
and Others. (a) Neither the Servicer nor any of the directors or officers or employees or agents of the Servicer will be under any liability to the Issuer, the Indenture Trustee, the Owner Trustee, the Noteholders or the Certificateholders,
except as provided in Section 5.2 of this Agreement and as otherwise provided under this Agreement, for any action taken or for refraining from the taking of any action pursuant to this Agreement or for errors in judgment;
provided, however, that this provision will not protect the Servicer or any such Person against any liability that would otherwise be imposed by reason of willful misfeasance or bad faith in the performance of duties

  

					
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or by reason of its failure to perform its obligations or of reckless disregard of obligations and duties under this Agreement, or by reason of negligence in the performance of its duties under
this Agreement (except for errors in judgment). The Servicer and any director, officer or employee or agent of the Servicer may rely in good faith on any Opinion of Counsel or on any Officer’s Certificate of the Seller or certificate of
auditors believed to be genuine and to have been signed by the proper party in respect of any matters arising under this Agreement. 
 (b) Except as provided in this Agreement, the Servicer will not be under any obligation to appear in, prosecute, or defend any legal action that is not incidental to its duties to service the Receivables
in accordance with this Agreement, and that in its opinion may involve it in any expense or liability; provided, however, that the Servicer may undertake any reasonable action that it may deem necessary or desirable in respect of this
Agreement and the rights and duties of the parties to this Agreement and the interests of the Noteholders and the Certificateholder under this Agreement. In such event, the legal expenses and costs of such action and any liability resulting
therefrom will be expenses, costs and liabilities of the Servicer. 
 SECTION 5.5 Delegation of Duties. The Servicer may,
at any time without notice or consent, delegate (a) any or all of its duties (including, without limitation, its duties as custodian) under the Transaction Documents to any of its Affiliates or (b) specific duties (including, without
limitation, its duties as custodian) to sub-contractors who are in the business of performing such duties; provided, that no such delegation shall relieve the Servicer of its responsibility with respect to such duties and the Servicer shall
remain obligated and liable to the Issuer and the Indenture Trustee for its duties hereunder as if the Servicer alone were performing such duties. 
 SECTION 5.6 The Bank Not to Resign as Servicer. Subject to the provisions of Sections 5.3 and 5.5, the Bank will not resign from the obligations and duties hereby imposed on it as
Servicer under this Agreement except upon determination that the performance of its duties under this Agreement is no longer permissible under applicable law. Notice of any such determination permitting the resignation of the Bank will be
communicated to the Issuer and the Indenture Trustee and Owner Trustee at the earliest practicable time (and, if such communication is not in writing, will be confirmed in writing at the earliest practicable time) and any such determination will be
evidenced by an Opinion of Counsel to such effect delivered to the Issuer, the Indenture Trustee and Owner Trustee concurrently with or promptly after such notice. No such resignation will become effective until a successor Servicer has
(i) assumed the responsibilities and obligations of the Bank as Servicer and (ii) provided in writing the information reasonably requested by the Seller to comply with its reporting obligations under the Exchange Act with respect to a
replacement Servicer. 
 SECTION 5.7 Servicer May Own Notes. The Servicer, and any Affiliate of the Servicer, may, in its
individual or any other capacity, become the owner or pledgee of Notes with the same rights as it would have if it were not the Servicer or an Affiliate thereof, except as otherwise expressly provided herein or in the other Transaction Documents.
Except as set forth herein or in the other Transaction Documents, Notes so owned by or pledged to the Servicer or such Affiliate will have an equal and proportionate benefit under the provisions of this Agreement, without preference, priority or
distinction as among all of the Notes. 

  

					
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 ARTICLE VI 
 REPLACEMENT OF SERVICER 
 SECTION 6.1 Replacement of Servicer. 

(a) If a Servicer Replacement Event shall have occurred and be continuing, the Relevant Trustee shall, at the
direction of 66 2/3% of the Note Balance of the Controlling Class (or, if no Notes are Outstanding, the Majority Certificatholders), by notice given to the Servicer, the Owner Trustee, the Issuer, the Administrator, the
Certificateholders and the Noteholders, terminate the rights and obligations of the Servicer under this Agreement with respect to the Receivables. In the event the Servicer is removed or resigns as Servicer with respect to servicing the Receivables,
the Indenture Trustee, acting at the direction of 66 2/3% of the Note Balance of the Controlling Class (or, if no Notes are Outstanding, the Majority Certificateholders), shall
appoint a successor Servicer. Upon the Servicer’s receipt of notice of termination the predecessor Servicer will continue to perform its functions as Servicer under this Agreement only until the date specified in such termination notice or, if
no such date is specified in such termination notice, until receipt of such notice. If a successor Servicer has not been appointed at the time when the predecessor Servicer ceases to act as Servicer in accordance with this Section, the Indenture
Trustee without further action will automatically be appointed the successor Servicer. Notwithstanding the above, the Indenture Trustee, if it is legally unable or is unwilling to so act, will appoint, or petition a court of competent jurisdiction
to appoint a successor Servicer. Any successor Servicer shall be an established institution having a net worth of not less than $100,000,000 and whose regular business includes the servicing of comparable motor vehicle receivables having an
aggregate outstanding principal amount of not less than $50,000,000. 
 (b) Noteholders holding not less than a
majority of the Note Balance of the Controlling Class (or, if no Notes are Outstanding, the Majority Certificateholders) may waive any Servicer Replacement Event. Upon any such waiver, such Servicer Replacement Event shall cease to exist and be
deemed to have been cured and not to have occurred and any Servicer Replacement Event arising therefrom shall be deemed not to have occurred for every purpose of this Agreement, but no such waiver shall extend to any prior, subsequent or other
Servicer Replacement Event or impair any right consequent thereto. 
 (c) If replaced, the Servicer agrees that it will use
commercially reasonable efforts to effect the orderly and efficient transfer of the servicing of the Receivables to a successor Servicer. All reasonable costs and expenses incurred in connection with transferring the Receivable Files to the
successor Servicer and all other reasonable costs and expenses incurred in connection with the transfer to the successor Servicer related to the performance by the Servicer hereunder will be paid by the predecessor Servicer upon presentation of
reasonable documentation of such costs and expenses. 
 (d) Upon the effectiveness of the assumption by the successor Servicer
of its duties pursuant to this Section 6.1, the successor Servicer shall be the successor in all respects to the Servicer in its capacity as Servicer under this Agreement with respect to the Receivables, and shall be subject to all the
responsibilities, duties and liabilities relating thereto, except with 

  

					
		 	16	 	 Servicing Agreement
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respect to the obligations of the predecessor Servicer that survive its termination as Servicer, including indemnification obligations as set forth in Section 5.2(e). In such event,
the Indenture Trustee and the Owner Trustee are hereby authorized and empowered to execute and deliver, on behalf of the predecessor Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all
other acts or things necessary or appropriate to effect the purposes of such termination and replacement of the Servicer, whether to complete the transfer and endorsement of the Receivables and related documents, or otherwise. No Servicer shall
resign or be relieved of its duties under this Agreement, as Servicer of the Receivables, until a newly appointed Servicer for the Receivables shall have assumed the responsibilities and obligations of the resigning or terminated Servicer under this
Agreement. 
 (e) In connection with such appointment, the Indenture Trustee or the Issuer may make such arrangements for the
compensation of the successor Servicer out of Available Funds as it and such successor Servicer will agree; provided, however, that no such compensation will be in excess of the amount paid to the predecessor Servicer under this Agreement.

 SECTION 6.2 Notification to Noteholders and Certificateholders. Upon any termination of, or appointment of a successor
to, the Servicer pursuant to this Article VI, the Indenture Trustee will give prompt (but in any event, no later than five (5) Business Days) written notice thereof to the Owner Trustee, the Issuer and the Administrator and to the
Noteholders and Certificateholders at their respective addresses of record. 
 ARTICLE VII 

OPTIONAL PURCHASE 
 SECTION 7.1 Optional Purchase of Trust Estate. The Servicer shall have the right at its option (the “Optional Purchase”) to purchase the Trust Estate (other than the Reserve
Account) from the Issuer on any Payment Date if both of the following conditions are satisfied: (a) as of the last day of the related Collection Period, the Net Pool Balance has declined to 10% or less of the Net Pool Balance as of the Cut-Off
Date and (b) the sum of the Optional Purchase Price and Available Funds for such Payment Date would be sufficient to pay (x) the amounts required to be paid under clauses first through seventh and
ninth of Section 8.5(a) of the Indenture (assuming that such Payment Date is not a Redemption Date) and (y) the Outstanding Note Balance (after giving effect to the payments described in the preceding clause (x)). The
purchase price for the Trust Estate (other than the Reserve Account) (the “Optional Purchase Price”) shall equal the Net Pool Balance plus accrued and unpaid interest on the Receivables, which amount shall be deposited by the
Servicer into the Collection Account on the Redemption Date. If the Bank, as Servicer, exercises the Optional Purchase, the Notes shall be redeemed and in each case in whole but not in part on the related Payment Date for the Redemption Price.

  

					
		 	17	 	 Servicing Agreement
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 ARTICLE VIII 
 MISCELLANEOUS PROVISIONS 
 SECTION 8.1 Amendment. 

(a) Any term or provision of this Agreement may be amended by the Servicer without the consent of the Indenture Trustee, the Issuer, any
Noteholder, the Owner Trustee or any other Person subject to the satisfaction of one of the following conditions: 
  

	 	(i)	The Servicer 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 Servicer 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
Servicer, with the consent of (i) the Holders of Notes evidencing not less than a majority of the Outstanding Note Balance of the Controlling Class and (ii) the Majority Certificateholders, for the purpose of adding any provisions to or
changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Noteholders or the Certificateholders. It will not be necessary for the consent of Noteholders or Certificateholders to
approve the particular form of any proposed amendment or consent, but it will be sufficient if such consent approves the substance thereof. The manner of obtaining such consents (and any other consents of Noteholders and Certificateholders provided
for in this Agreement) and of evidencing the authorization of the execution thereof by Noteholders and Certificateholders will be subject to such reasonable requirements as the Indenture Trustee and Owner Trustee may prescribe, including the
establishment of record dates pursuant to the Note Depository Agreement. 
 (c) Prior to the execution of any amendment pursuant
to this Section 8.1, the Servicer shall provide written notification of the substance of such amendment to each Rating Agency; and promptly after the execution of any such amendment, the Servicer 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 8.1 shall be effective which materially and adversely affects the rights, protections or duties of the Indenture
Trustee or the Owner Trustee without the prior written consent of such Person. 
 (d) Prior to the execution of any amendment to
this Agreement, the Owner Trustee and the Indenture Trustee shall be entitled to receive and conclusively rely upon an Opinion of Counsel stating that the execution of such amendment is authorized or permitted by this Agreement and an Officer’s
Certificate of the Depositor or the Administrator that all conditions precedent to the execution and delivery of such amendment have been satisfied. The Owner Trustee and the Indenture Trustee may, but shall not be obligated to, enter into any such
amendment which materially and adversely affects the Owner Trustee’s or the Indenture 

  

					
		 	18	 	 Servicing Agreement
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Trustee’s, as applicable, own rights, privileges, indemnities, duties or obligations under this Agreement, the Transaction Documents or otherwise. 

(e) Notwithstanding subsection (a) of this Section 8.1, this Agreement may only be amended by the Servicer if
(i) the Majority Certificateholders consent to such amendment or (ii) such amendment shall not, as evidenced by an Officer’s Certificate of the Servicer or an Opinion of Counsel delivered to the Indenture Trustee and the Owner
Trustee, materially and adversely affect the interests of the Certificateholders. 
 SECTION 8.2 Protection of Title.

 (a) The Servicer shall maintain (or shall cause its Sub-Servicer to maintain) in accordance with its Customary Servicing
Practices accounts and records as to each Receivable accurately and in sufficient detail to permit (i) the reader thereof to know at any time the status of such Receivable, including payments and recoveries made and payments owing (and the
nature of each) and (ii) reconciliation between payments or recoveries on (or with respect to) each Receivable and the amounts from time to time deposited in the Collection Account in respect of such Receivable. 

(b) The Servicer shall maintain (or shall cause its Sub-Servicer to maintain) its computer systems so that, from time to time after the
conveyance under this Agreement of the Receivables, the master computer records (including any backup archives) that refer to a Receivable shall indicate clearly the interest of the Issuer in such Receivable and that such Receivable is owned by the
Issuer and has been pledged to the Indenture Trustee pursuant to the Indenture. Indication of the Issuer’s interest in a Receivable shall not be deleted from or modified on such computer systems until, and only until, the related Receivable
shall have been paid in full, repurchased by the Seller pursuant to Section 3.8 of the Sale Agreement, repurchased by FTH LLC pursuant to Section 3.3 of the Purchase Agreement, purchased by the Servicer in accordance with
Section 3.6 hereof or repurchased by the Bank pursuant to Section 3.3 of the Receivables Sale Agreement. 
 (c) If at any time the Servicer shall propose to sell, grant a security interest in or otherwise transfer any interest in motor vehicle receivables to any prospective purchaser, lender or other
transferee, the Servicer shall give to such prospective purchaser, lender or other transferee computer tapes, records or printouts (including any restored from backup archives) that, if they shall refer in any manner whatsoever to any Receivable,
shall indicate clearly that such Receivable has been sold and is owned by the Issuer and has been pledged to the Indenture Trustee. 
 (d) The Servicer, upon receipt of reasonable prior notice, shall permit the Indenture Trustee, the Owner Trustee and their respective agents at any time during normal business hours, to the extent it does
not unreasonably interfere with the Servicer’s normal operations, to inspect, audit and, to the extent permitted by applicable law, make copies of and abstracts from Servicer’s (or any Sub-Servicer’s) records regarding any Receivable.

 (e) Upon request, the Servicer shall furnish to the Issuer or to the Indenture Trustee, within thirty Business Days, a list
of all Receivables (by contract number and name of Obligor) 

  

					
		 	19	 	 Servicing Agreement
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then owned by the Issuer, together with a reconciliation of such list to each of the Servicer’s Certificates furnished before such request indicating removal of Receivables from the Issuer.

 SECTION 8.3 Notices, Etc. All demands, notices and communications hereunder shall be in writing and shall be delivered
or mailed by registered or certified first-class United States mail, postage prepaid, hand delivery, prepaid courier service, by facsimile or, if so provided on Schedule II to the Sale Agreement, by electronic transmission, and addressed
in each case as specified on Schedule II to the Sale Agreement or at such other address as shall be designated in a written notice to the other parties hereto. Any notice required or permitted to be mailed to a Noteholder shall be given by
first class mail, postage prepaid, at the address of such Noteholder as shown in the Note Register. Delivery shall occur only upon receipt or reported tender of such communication by an officer of the recipient entitled to receive such notices
located at the address of such recipient for notices hereunder; provided, however, that any notice to a Noteholder mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the
Noteholder shall receive such notice. 
 SECTION 8.4 Choice of Law. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED
IN ACCORDANCE WITH THE INTERNAL, SUBSTANTIVE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE RULES THEREOF RELATING TO CONFLICTS OF LAW, OTHER THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW, AND THE OBLIGATIONS,
RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
 SECTION 8.5
Headings. The section headings hereof have been inserted for convenience of reference only and shall not be construed to affect the meaning, construction or effect of this Agreement. 

SECTION 8.6 Counterparts. This Agreement may be executed in any number of counterparts, each of which so executed shall be deemed
to be an original, regardless of whether delivered in physical or electronic form, but all of such counterparts shall together constitute but one and the same instrument. 
 SECTION 8.7 Waivers. No failure or delay on the part of the Servicer, the Issuer or the Indenture Trustee in exercising any power or right hereunder (to the extent such Person has any power or
right hereunder) shall operate as a waiver thereof, nor shall any single or partial exercise of any such power or right preclude any other or further exercise thereof or the exercise of any other power or right. No notice to or demand on any party
hereto in any case shall entitle it to any notice or demand in similar or other circumstances. No waiver or approval by any party hereto under this Agreement shall, except as may otherwise be stated in such waiver or approval, be applicable to
subsequent transactions. No waiver or approval under this Agreement shall require any similar or dissimilar waiver or approval thereafter to be granted hereunder. 

  

					
		 	20	 	 Servicing Agreement
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 SECTION 8.8 Entire Agreement. The Transaction Documents contain a final and complete
integration of all prior expressions by the parties hereto with respect to the subject matter thereof and shall constitute the entire agreement among the parties hereto with respect to the subject matter thereof, superseding all prior oral or
written understandings. There are no unwritten agreements among the parties. 
 SECTION 8.9 Severability of Provisions.
If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants,
agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement. 
 SECTION 8.10 Binding Effect. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns. This Agreement shall create
and constitute the continuing obligations of the parties hereto in accordance with its terms, and shall remain in full force and effect until such time as the parties hereto shall agree. 

SECTION 8.11 [Reserved]. 
 SECTION 8.12 Cumulative Remedies. The remedies herein provided are cumulative and not exclusive of any remedies provided by law. 

SECTION 8.13 Nonpetition Covenant. Each party hereto agrees that, prior to the date which is one year and one day after payment in
full of all obligations of each Bankruptcy Remote Party in respect of all securities issued by any Bankruptcy Remote Party (i) such party 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) none of the parties hereto shall commence or join with any other Person in commencing any Proceeding against such Bankruptcy Remote Party under any bankruptcy, reorganization, liquidation or insolvency law
or statute now or hereafter in effect in any jurisdiction. This Section shall survive the termination of this Agreement. 

SECTION 8.14 Submission to Jurisdiction; Waiver of Jury Trial. Each of the parties hereto hereby irrevocably and unconditionally:

 (a) submits for itself and its property in any legal action or Proceeding relating to this Agreement or any documents
executed and delivered in connection herewith, or for recognition and enforcement of any judgment in respect thereof, to the nonexclusive general jurisdiction of 

  

					
		 	21	 	 Servicing Agreement
 (2013-A)

 
the courts of the State of New York, the courts of the United States of America for the Southern District of New York and appellate courts from any thereof; 

(b) consents that any such action or Proceeding may be brought in such courts and waives any objection that it may now or hereafter have
to the venue of such action or Proceeding in any such court or that such action or Proceeding was brought in an inconvenient court and agrees not to plead or claim the same; 
 (c) agrees that service of process in any such action or Proceeding may be effected by mailing a copy thereof by registered or certified mail (or any substantially similar form of mail), postage prepaid,
to such Person at its address determined in accordance with Section 8.3; 
 (d) agrees that nothing herein shall
affect the right to effect service of process in any other manner permitted by law or shall limit the right to sue in any other jurisdiction; and 
 (e) to the extent permitted by applicable law, each party hereto irrevocably waives all right of trial by jury in any action, Proceeding or counterclaim based on, or arising out of, under or in
connection with this Agreement, any other Transaction Document, or any matter arising hereunder or thereunder. 
 SECTION
8.15 Limitation of Liability. 
 (a) It is expressly understood and agreed by the parties hereto that (a) this
Agreement is executed and delivered by Wilmington Trust, National Association, not individually or personally but solely as Owner Trustee of the Issuer, in the exercise of the powers and authority conferred and vested in it under the Trust
Agreement, (b) each of the representations, undertakings and agreements herein made on the part of the Issuer is made and intended not as personal representations, undertakings and agreements by Wilmington Trust, National Association, but
is made and intended for the purpose for binding only the Issuer, (c) nothing herein contained shall be construed as creating any liability on Wilmington Trust, National Association, individually or personally, to perform any covenant either
express or implied contained herein, all such liability, if any, being expressly waived by the parties hereto and any Person claiming by, through or under the parties hereto, and (d) under no circumstances shall Wilmington Trust, National
Association be personally liable for the payment of any indebtedness or expenses of the Issuer or be liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by the Issuer under this Agreement or
the other related documents. 
 (b) Notwithstanding anything contained herein to the contrary, this Agreement has been executed
and delivered by Deutsche Bank Trust Company Americas, not in its individual capacity but solely as Indenture Trustee, and in no event shall it have any liability for the representations, warranties, covenants, agreements or other obligations of the
Issuer under the Notes or any of the other Transaction Documents or in any of the certificates, notices or agreements delivered pursuant thereto, as to all of which recourse shall be had solely to the assets of the Issuer. Under no circumstances
shall the Indenture Trustee be personally liable for the payment of any indebtedness or expense of the Issuer or be liable for the breach or failure of any obligations, representation, warranty or covenant made or undertaken by the Issuer under the

  

					
		 	22	 	 Servicing Agreement
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Transaction Documents. For the purposes of this Agreement, in the performance of its duties or obligations hereunder, the Indenture Trustee shall be subject to, and entitled to the benefits of,
the terms and provisions of Article VI of the Indenture. 
 SECTION 8.16 Third-Party Beneficiaries. This Agreement
shall inure to the benefit of and be binding upon the parties hereto, the Noteholders and the Certificateholder and their respective successors and permitted assigns and the Owner Trustee shall be an express third party beneficiary hereof and may
enforce the provisions hereof as if it were a party hereto. Except as otherwise provided in this Section, no other Person will have any right hereunder. 
 SECTION 8.17 Information Requests. The parties hereto shall provide any information reasonably requested by the Servicer, the Issuer, the Seller or any of their Affiliates, in order to comply with
or obtain more favorable treatment under any current or future law, rule, regulation, accounting rule or principle. 
 SECTION
8.18 Regulation AB. The Servicer shall cooperate fully with the Seller and the Issuer to deliver to the Seller and the Issuer (including any of its assignees or designees) any and all statements, reports, certifications, records and any other
information necessary in the good faith determination of the Seller or the Issuer to permit the Seller to comply with the provisions of Regulation AB and its reporting obligations under the Exchange Act, together with such disclosures relating to
the Servicer and the Receivables, or the servicing of the Receivables, reasonably believed by the Seller to be necessary in order to effect such compliance. 
 SECTION 8.19 Information to Be Provided by the Indenture Trustee. 
 (a) For
so long as the Seller is filing reports under the Exchange Act with respect to the Issuer, the Indenture Trustee shall (i) on or before the fifth Business Day of each month, notify the Seller, in writing, of any Form 10-D Disclosure Item with
respect to the Indenture Trustee, together with a description of any such Form 10-D Disclosure Item in form and substance reasonably satisfactory to the Seller; provided, however, that, the Indenture Trustee shall not be required to
provide such information in the event that there has been no change to the information previously provided by the Indenture Trustee to Seller, and (ii) as promptly as practicable following notice to or discovery by a Responsible Officer of the
Indenture Trustee of any changes to such information, provide to the Seller, in writing, such updated information. 
 (b) As
soon as available but no later than March 15 of each calendar year for so long as the Seller is filing reports with respect to the Issuer under the Exchange Act, commencing on March 15, 2014, the Indenture Trustee shall: 

 

	 	(i)	 deliver to the Seller a report regarding the Indenture Trustee’s assessment of compliance with the Servicing Criteria during the immediately
preceding calendar year, as required under paragraph (b) of Rule 13a-18, Rule 15d-18 of the Exchange Act and Item 1122 of Regulation AB. Such report shall be signed by an authorized officer of the Indenture Trustee, and shall address each
of the Servicing Criteria specified in Exhibit A or such other 

  

					
		 	23	 	 Servicing Agreement
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criteria as mutually agreed upon by the Seller and the Indenture Trustee; 

  

	 	(ii)	cause a firm of registered public accountants that is qualified and independent within the meaning of Rule 2-01 of Regulation S-X under the Securities Act to deliver to
the Seller a report for inclusion in the Seller’s filing of Exchange Act Form 10-K with respect to the Issuer that attests to, and reports on, the assessment of compliance made by the Indenture Trustee and delivered to the Seller pursuant to
the preceding paragraph. Such attestation shall be in accordance with Rules 1-02(a)(3) and 2-02(g) of Regulation S-X under the Securities Act and the Exchange Act; 

 

	 	(iii)	deliver to the Seller and any other Person that will be responsible for signing the certification (a “Sarbanes Certification”) required by Rules
13a-14(d) and 15d-14(d) under the Exchange Act (pursuant to Section 302 of the Sarbanes-Oxley Act) on behalf of the Issuer or the Seller, a back-up certification substantially in the form attached hereto as Exhibit B or such form as
mutually agreed upon by the Seller and the Indenture Trustee; and 

  

	 	(iv)	deliver to the Seller the certification substantially in the form attached hereto as Exhibit C or such other form as is mutually agreed upon by the Seller and
the Indenture Trustee regarding any affiliations or relationships (as described in Item 1119 of Regulation AB) between the Indenture Trustee and any Item 1119 Party and any Form 10-D Disclosure Item; provided, that, such
notification need only be made if the affiliation or relationships have changed between the Indenture Trustee and any Item 1119 Party. 

 The Indenture Trustee acknowledges that the parties identified in clause (iii) above may rely on the certification provided by the Indenture Trustee pursuant to such clause in signing a
Sarbanes Certification and filing such with the Commission. 
 (c) The Indenture Trustee shall provide the Seller and the
Servicer (each, a “Transaction Party” and, collectively, the “Transaction Parties”) with (i) notification, as soon as practicable and in any event within ten Business Days, of all demands communicated to the
Indenture Trustee for the repurchase or replacement of any Receivable pursuant to demands under the Transaction Documents and (ii) promptly upon request 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 Indenture Trustee be deemed to be a “securitizer” as defined
in Section 15G(a) of the Exchange Act nor shall it have any responsibility for making any filing to be made by a securitizer under the Exchange Act or Regulation AB. The Transaction Parties hereby acknowledge and agreed that the
Indenture Trustee’s reporting is limited to information that it has received or acquired solely in its capacity as indenture trustee 

  

					
		 	24	 	 Servicing Agreement
 (2013-A)

 
under this Agreement and the Indenture and not in any other capacity. The Transaction Parties further hereby acknowledge and agree that, other than any express duties or responsibilities as
trustee under the Transaction Documents, the Indenture Trustee has no duty or obligation to undertake any investigation or inquiry related to repurchase demand activity in connection with any Transaction Documents, and no obligations or duties are
otherwise implied by this section. 
 SECTION 8.20 Form 8-K Filings. So long as the Seller is filing Exchange Act Reports
with respect to the Issuer, the Indenture Trustee shall promptly notify the Seller, but in no event later than one (1) Business Day after its occurrence, of any Reportable Event of which a Responsible Officer of the Indenture Trustee has actual
knowledge (other than a Reportable Event described in clause (a) or (b) of the definition thereof as to which the Servicer has actual knowledge). The Indenture Trustee shall be deemed to have actual knowledge of any such
event to the extent that it relates to the Indenture Trustee or any action or failure to act by the Indenture Trustee. 

SECTION 8.21 Cooperation. The parties hereto acknowledge and agree that the purpose of Sections 8.18 and 8.19 is to
facilitate compliance by the Seller and Servicer with the provisions of Regulation AB and related rules and regulations of the Commission. Neither the Seller nor the Servicer shall exercise its right to request delivery of information or other
performance under these provisions other than in good faith in order to comply with the Securities Act, the Exchange Act, the rules and regulations of the Commission under the Securities Act and the Exchange Act and any comments or requests of the
Commission. The Indenture Trustee acknowledges that interpretations of the requirements of Regulation AB may change over time, whether due to interpretive guidance provided by the Commission or its staff, consensus among participants in the
asset-backed securities markets, advice of counsel, or otherwise, and agrees to cooperate with the Seller to deliver to the Seller and Servicer such information necessary in the good faith determination of the Seller and Servicer to permit the
Seller or such Servicer to comply with the provisions of Regulation AB. 
 SECTION 8.22 Not Applicable to the Bank in Other
Capacities. Nothing in this Agreement shall affect any obligation the Bank may have in any other capacity. 
 [Signatures
Follow] 

  

					
		 	25	 	 Servicing Agreement
 (2013-A)

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

			
	FIFTH THIRD BANK,
	as Servicer
		
	By:	 	 /s/ Nathan Steuber

	Name:	 	Nathan Steuber
	Title:	 	Vice President

  

					
		 	S-1	 	 Servicing Agreement
 (2013-A)

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

		
	By:	 	 /s/ Erwin M. Soriano

	Name:	 	Erwin M. Soriano
	Title:	 	Assistant Vice President

  

					
		 	S-2	 	 Servicing Agreement
 (2013-A)

 
			
	 DEUTSCHE BANK TRUST COMPANY AMERICAS,
 not in its individual capacity
 but solely as Indenture Trustee

		
	By:	 	 /s/ Irene Siegel

	Name:	 	Irene Siegel
	Title:	 	Vice President
		
	By:	 	 /s/ Maria Inoa

	Name:	 	Maria Inoa
	Title:	 	Assistant Vice President

  

					
		 	S-3	 	 Servicing Agreement
 (2013-A)

 EXHIBIT A 
 SERVICING CRITERIA TO BE ADDRESSED IN 
 INDENTURE TRUSTEE’S
ASSESSMENT OF COMPLIANCE 
 The assessment of compliance to be delivered by the Indenture Trustee shall address, at a
minimum, the criteria identified below as “Applicable Servicing Criteria”: 
  

					
	 Servicing
Criteria
	  	
Applicable
Servicing Criteria

	 Reference
	  	 Criteria
	  	 
			
		  	General Servicing Considerations	  	
			
	1122(d)(1)(i)	  	Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.	  	
			
	1122(d)(1)(ii)	  	If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party’s performance and compliance with such
servicing activities.	  	
			
	1122(d)(1)(iii)	  	Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained.	  	
			
	1122(d)(1)(iv)	  	A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required
by and otherwise in accordance with the terms of the transaction agreements.	  	
			
		  	Cash Collection and Administration	  	
			
	1122(d)(2)(i)	  	Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other
number of days specified in the transaction agreements.	  	
			
	1122(d)(2)(ii)	  	Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.	  	X
			
	1122(d)(2)(iii)	  	Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as
specified in the transaction agreements.	  	
			
	1122(d)(2)(iv)	  	The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to
commingling of cash) as set forth in the transaction agreements.	  	X
			
	1122(d)(2)(v)	  	Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, “federally
insured depository institution” with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act.	  	X
			
	1122(d)(2)(vi)	  	Unissued checks are safeguarded so as to prevent unauthorized access.	  	
			
	1122(d)(2)(vii)	  	Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These
reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the
person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction
agreements.	  	

  

					
		 	A-1	 	 Exhibit A to the
 Servicing Agreement
 (2013-A)

					
	 Servicing
Criteria
	  	
Applicable
Servicing Criteria

	 Reference
	  	 Criteria
	  	 
			
		  	Investor Remittances and Reporting	  	
			
	1122(d)(3)(i)	  	Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements.
Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed
with the Commission as required by its rules and regulations; and (D) agree with investors’ or the trustee’s records as to the total unpaid principal balance and number of pool assets serviced by the Servicer.	  	
			
	1122(d)(3)(ii)	  	Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.	  	 (solely with respect to remittance)

X

			
	1122(d)(3)(iii)	  	Disbursements made to an investor are posted within two business days to the Servicer’s investor records, or such other number of days specified in the transaction
agreements.	  	X
			
	1122(d)(3)(iv)	  	Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.	  	X
			
		  	Pool Asset Administration	  	
			
	1122(d)(4)(i)	  	Collateral or security on pool assets is maintained as required by the transaction agreements or related asset pool documents.	  	
			
	1122(d)(4)(ii)	  	Pool assets and related documents are safeguarded as required by the transaction agreements	  	
			
	1122(d)(4)(iii)	  	Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction
agreements.	  	
			
	1122(d)(4)(iv)	  	Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer’s obligor records maintained no more than
two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related asset pool documents.	  	
			
	1122(d)(4)(v)	  	The Servicer’s records regarding the accounts and the accounts agree with the Servicer’s records with respect to an obligor’s unpaid principal balance.	  	
			
	1122(d)(4)(vi)	  	Changes with respect to the terms or status of an obligor’s account (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized Personnel in
accordance with the transaction agreements and related pool asset documents.	  	
			
	1122(d)(4)(vii)	  	Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted
and concluded in accordance with the timeframes or other requirements established by the transaction agreements.	  	
			
	1122(d)(4)(viii)	  	Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at
least a monthly basis, or such other period specified in the transaction agreements, and describe the entity’s activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases
where delinquency is deemed temporary (e.g., illness or unemployment).	  	
			
	1122(d)(4)(ix)	  	Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents.	  	

  

					
		 	A-2	 	 Exhibit A to the
 Servicing Agreement
 (2013-A)

					
	 Servicing
Criteria
	  	
Applicable
Servicing Criteria

	 Reference
	  	 Criteria
	  	 
			
	1122(d)(4)(x)	  	Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor’s Account documents, on at least an
annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable Account documents and state laws; and (C) such funds are returned to the obligor
within 30 calendar days of full repayment of the related Accounts, or such other number of days specified in the transaction agreements.	  	
			
	1122(d)(4)(xi)	  	Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or
notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements.	  	
			
	1122(d)(4)(xii)	  	Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the servicer’s funds and not charged to the obligor, unless the late
payment was due to the obligor’s error or omission.	  	
			
	1122(d)(4)(xiii)	  	Disbursements made on behalf of an obligor are posted within two business days to the obligor’s records maintained by the servicer, or such other number of days specified in
the transaction agreements.	  	
			
	1122(d)(4)(xiv)	  	Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.	  	
			
	1122(d)(4)(xv)	  	Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction
agreements.	  	

  

					
		 	A-3	 	 Exhibit A to the
 Servicing Agreement
 (2013-A)

 EXHIBIT B 
 FORM OF INDENTURE TRUSTEE’S ANNUAL CERTIFICATION 
  

	Re:	FIFTH THIRD AUTO TRUST 2013-A 

 Deutsche Bank Trust Company Americas, not in its individual capacity but solely as indenture trustee (the “Indenture Trustee”), certifies to Fifth Third Holdings Funding, LLC (the
“Seller”), and its officers, with the knowledge and intent that they will rely upon this certification, that: 
 (1) It has reviewed the report on assessment of the Indenture Trustee’s compliance provided in accordance with Rules 13a-18 and 15d-18 under the Securities Exchange Act of 1934, as amended (the
“Exchange Act”), and Item 1122 of Regulation AB (the “Servicing Assessment”), and the registered public accounting firm’s attestation report provided in accordance with Rules 13a-18 and 15d-18 under
the Exchange Act and Item 1122(b) of Regulation AB (the “Attestation Report”) that were delivered by the Indenture Trustee to the Seller pursuant to the Servicing Agreement (the “Agreement”), dated as of
March 28, 2013, by and among Fifth Third Bank (the “Bank”), the Indenture Trustee and Fifth Third Auto Trust 2013-A; 
 (2) To the best of its knowledge, the Servicing Assessment, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements
made, in the light of the circumstances under which such statements were made, not misleading with respect to the period of time covered by the Servicing Assessment; and 

(3) To the best of its knowledge, all of the information required to be provided by the Indenture Trustee pursuant to
Sections 8.19 and 8.20 of the Agreement has been provided to the Seller. 
 Dated:
            , 20[    ] 
  

			
	DEUTSCHE BANK TRUST COMPANY AMERICAS, not in its individual capacity but solely as Indenture Trustee
		
	By:	 	  

	Name:	 	
	Title:	 	

  

					
		 	B-1	 	 Exhibit B to the
 Servicing Agreement
 (2013-A)

 EXHIBIT C 
 FORM OF INDENTURE 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.

 Deutsche Bank Trust Company Americas, a New York trust company (“DBTCA”), 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 DBTCA or Proceedings known to be contemplated by governmental authorities against DBTCA that would be material to the investors in the Notes. 
 2. As of the date of the Form 10-K, there are the following affiliations, as contemplated by Item 1119 of Regulation AB, between DBTCA and any of Fifth Third Bank (in its capacity as Originator,
Servicer and Administrator), Fifth Third Holdings, LLC, Fifth Third Holdings Funding, LLC, the Owner Trustee and the Issuing Entity, or any affiliates of such parties:
[                    ] 
 IN
WITNESS WHEREOF, DBTCA has caused this certificate to be executed in its corporate name by an officer thereunto duly authorized. 
 Dated:
            , 20[    ] 
  

			
	DEUTSCHE BANK TRUST COMPANY AMERICAS, not in its individual capacity but solely as Indenture Trustee
		
	By:	 	  

	Name:	 	
	Title:	 	

  

					
		 	C-1	 	 Exhibit C to the
 Servicing Agreement
 (2013-A)

 EXHIBIT D 
 MONTHLY SERVICER REPORT 
 (See Attached) 

  

					
		 	D-1	 	 Exhibit D to the
 Servicing Agreement
 (2013-A)

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