Document:

exv10w1

Exhibit 10.1

AGREEMENT AND GENERAL RELEASE

     Celanese Corporation, its Subsidiaries and its Affiliates, (“Employer” or “Company”), 1601
West LBJ Freeway, Dallas, Texas 75234 and John O’Dwyer, his heirs, executors, administrators,
successors, and assigns (“Employee”), agree that:

	1.	 	Last Day of Employment (Retirement Date). The last day of employment with Celanese
will be August 31, 2009, or such earlier date mutually agreeable to both the Employer and
Employee (the “Retirement Date”).

	2.	 	Consideration. In consideration for signing this Agreement and General Release and
compliance with the promises made herein, Employer and Employee agree:

a. Voluntary Resignation. Employee agrees to voluntarily resign from the Employer
effective on the Retirement Date. Effective as of the close of business on such Retirement
Date, Executive will resign from all positions he holds as a corporate officer of the Company
(including without limitation any positions as an officer, employee and/or director), and from
all positions held on behalf of the Company (e.g., external board memberships, internal
committee positions).

b. Separation Pay. The Company will pay an amount equal to his current annual base
salary plus target bonus, for a total payment of $680,000, less any lawful deductions. Such
amount shall be paid in installments as follows; (i) the first installment in the amount of
$340,000 (representing 50% of the total payment) will be paid immediately upon the
commencement of the “payment period”, and (ii) the remaining $340,000 will be paid in thirteen
(13) substantially equal (bi-weekly) installments that begin upon the commencement of the
“payment period”. For purposes of this Section 2(b), the “payment period” shall mean the
period beginning six (6) months and one day following the Retirement Date, whichever is
applicable, subject to execution of this Agreement.

c. Bonus. Employee will be eligible to receive a prorated bonus payout for 2009
(based on the number of full months of service completed during 2009). The 2009 bonus payout
will be paid to the Employee during the 2010 calendar year but in no event later than March
15, 2010. The prorated 2009 bonus payouts will be based on Company performance without
modification for Employee’s individual performance (a 1.0 personal modifier).

d. Equity and Long-Term Incentive Cash Awards. Pursuant to the terms of the
Employee’s Nonqualified Stock Option Agreement dated January 21, 2005, the 359,506 vested
stock options shall be exercisable by the Employee through December 31, 2010.

Pursuant to the terms of the Employee’s Performance-Based Restricted Stock Unit Agreement
dated April 2, 2007, the Employee will vest in a prorated target award of 10,600 RSUs, on
January 4, 2011 based on Company achievement of performance metrics. All remaining unvested
restricted stock units issued pursuant to the Employee’s Performance-Based Restricted Stock
Unit Agreement dated April 2, 2007 shall be canceled on the retirement date with no additional
consideration.

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Pursuant to the terms of the Employee’s Performance-Vesting Restricted Stock Unit Award
Agreement dated December 11, 2008, the Employee will vest in a prorated target award of 2,223
RSUs, that will vest on October 14, 2011 based on Company achievement of performance metrics.
All remaining unvested restricted stock units issued pursuant to the Employee’s
Performance-Vesting Restricted Stock Unit Award Agreement dated December 11, 2008 shall be
canceled on the retirement date with no additional consideration.

Pursuant to the terms of the Employee’s 2008 Long-Term Incentive Cash Award Agreement dated
December 11, 2008, the Employee will vest in a prorated cash award of $99,264, that will be
payable on or after March 1, 2010. The remaining unvested cash award issued pursuant to the
Employee’s 2008 Long-Term Incentive Cash Award Agreement dated December 11, 2008 shall be
canceled on the retirement date with no additional consideration.

e. Deferred Compensation Plan. Notwithstanding anything to the contrary in the
Employee’s Deferral Agreement dated January 21,2005 (as amended on April 2, 2007, the
“Deferral Agreement”), the Employee shall be 100% vested in his Restructured Account under the
Celanese Corporation Deferred Compensation Plan (as amended) and the balance of such account
(as adjusted for notional investment earnings in accordance with Section 2(b) of the Deferral
Agreement), and the amount of any Top-Up Payment under Section 3(b) of such agreement, shall
be paid to the Employee in a single cash payment six (6) months and one day following the
Retirement Date.

f. 2008 Deferred Compensation Plan. The payment of any benefits to Employee under the
Celanese Corporation 2008 Deferred Compensation Plan as amended, (the “2008 DCP”) shall
continue to be governed by the terms of the 2008 DCP and shall not be affected by this
agreement.

g. Pension and 401(k) Plan Vesting. Employee is 100% vested in the Celanese Americas
Retirement Pension Plan, the Celanese Americas Supplemental Retirement Pension Plan and the
Celanese 401(k) plan.

h. Unused Vacation. Employee will be entitled to five (5) weeks vacation for 2009.
The Employer will pay to Employee wages for any unused vacation for 2009 and any approved
vacation carried over from 2008 under the standard procedure for calculating and paying any
unused vacation to separated employees. The gross amount due to Employee, less any lawful
deductions, will be payable on the earlier of (i) October 1, 2009 or (ii) the date which is
six (6) months and one day following the Retirement Date, whichever is applicable, subject to
the Employee providing the details of any vacation days utilized during 2008 and 2009 through
the exit interview process.

i. Company Benefit Plans. Healthcare & dental plan coverage based on the Employee’s
current health & dental plan elections will continue until the end of the month in which the
Employee separates, in this case August 31, 2009. All other normal company programs (e.g.,
life insurance, long term disability, 401(k) contributions, etc.) will continue through the
Retirement Date.

j. COBRA Reimbursement and Continued Medical Plan Coverage. If the Employee elects to
continue his coverage (and the coverage of his eligible family members) under the Employer’s
medical and dental plans for active employees pursuant to the requirements of the Consolidated
Omnibus Reconciliation Act of 1985, as amended (“COBRA”), the Employer will provide twelve
(12) months of company-paid COBRA health care coverage if elected by Employee.

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Upon expiration or termination of COBRA coverage, since Employee meets retiree medical
eligibility requirements, Employee will be eligible to enroll in the Celanese Retiree Medical
Plan per the provisions of the plan in effect at the time of enrollment. Premiums for retiree
medical coverage will be deducted from monthly pension payments.

k. Return of Company Property. Employee will surrender to Employer, on his last day
of employment, all company materials, including, but not limited to his company car, laptop
computer, phone, credit card, calling cards, etc. Employee will be responsible for resolving
any outstanding balances on the company credit card.

l. Withholding. The payments and other benefits provided under this Agreement shall
be reduced by applicable withholding taxes and other lawful deductions.

	3.	 	No Consideration Absent Execution of this Agreement. Employee understands and agrees
that he would not receive the monies and/or benefits specified in Paragraph “2” above, unless
the Employee signs this Agreement and General Release on the signature page without having
revoked this Agreement and General Release pursuant to Paragraph 15 below and the fulfillment
of the promises contained herein.

	4.	 	General Release of Claims. Employee knowingly and voluntarily releases and forever
discharges, to the full extent permitted by law, in all countries, including but not limited
to the U.S., the Peoples Republic of China (PRC), U.K. and Germany, the Employer, its parent
corporation, affiliates, subsidiaries, divisions, predecessors, successors and assigns and the
current and former employees, officers, directors and agents thereof (collectively referred to
throughout the remainder of this Agreement as “Employer”), of and from any and all claims,
known and unknown, asserted and unasserted, Employee has or may have against Employer as of
the date of execution of this Agreement and General Release, including, but not limited to,
any alleged violation of:

	 	•	 	Title VII of the Civil Rights Act of 1964, as amended;
	 
	 	•	 	The Civil Rights Act of 1991;
	 
	 	•	 	Sections 1981 through 1988 of Title 42 of the United States Code, as amended;
	 
	 	•	 	The Employee Retirement Income Security Act of 1974, as amended;
	 
	 	•	 	The Immigration Reform and Control Act, as amended;
	 
	 	•	 	The Americans with Disabilities Act of 1990, as amended;
	 
	 	•	 	The Age Discrimination in Employment Act of 1967, as amended;
	 
	 	•	 	The Workers Adjustment and Retraining Notification Act, as amended;
	 
	 	•	 	The Occupational Safety and Health Act, as amended;
	 
	 	•	 	The Sarbanes-Oxley Act of 2002;
	 
	 	•	 	The Texas Civil Rights Act, as amended;
	 
	 	•	 	The Texas Minimum Wage Law, as amended;
	 
	 	•	 	Equal Pay Law for Texas, as amended;
	 
	 	•	 	Any other federal, state or local civil or human rights law, or any other local,
state or federal law, regulation or ordinance; or any law, regulation or ordinance of a
foreign country, including but not limited to the PRC, Federal Republic of Germany and
the United Kingdom.
	 
	 	•	 	Any public policy, contract, tort, or common law.
	 
	 	•	 	The employment, labor and benefits laws and regulations in all countries in addition
to the U.S. including but not limited to the U.K. and Germany.
	 
	 	•	 	Any claim for costs, fees, or other expenses including attorneys’ fees incurred in
these matters.

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	5.	 	Affirmations. Employee affirms that he has not filed, caused to be filed, or
presently is a party to any claim, complaint, or action against Employer in any forum or form.
Provided, however, that the foregoing does not affect any right to file an administrative
charge with the Equal Employment Opportunity Commission (“EEOC”), subject to the restriction
that if any such charge is filed, Employee agrees not to violate the confidentiality
provisions of this Agreement and Employee further agrees and covenants that should he or any
other person, organization, or other entity file, charge, claim, sue or cause or permit to be
filed any charge with the EEOC, civil action, suit or legal proceeding against the Employer
involving any matter occurring at any time in the past, Employee will not seek or accept any
personal relief (including, but not limited to, monetary award, recovery, relief or
settlement) in such charge, civil action, suit or proceeding.
	 
	 	 	Employee further affirms that he has reported all hours worked as of the date of this release
and has been paid and/or has received all leave (paid or unpaid), compensation, wages, bonuses,
commissions, and/or benefits to which he may be entitled and that no other leave (paid or
unpaid), compensation, wages, bonuses, commissions and/or benefits are due to him, except as
provided in this Agreement and General Release. Employee furthermore affirms that he has no
known workplace injuries or occupational diseases and has been provided and/or has not been
denied any leave requested under the Family and Medical Leave Act.
	 
	6.	 	Confidentiality. Employee agrees and recognizes that any knowledge or information of
any type whatsoever of a confidential nature relating to the business of the Employer or any
of its subsidiaries, divisions or affiliates, including, without limitation, all types of
trade secrets, client lists or information, employee lists or information, information
regarding product development, marketing plans, management organization, operating policies or
manuals, performance results, business plans, financial records, or other financial,
commercial, business or technical information (collectively “Confidential Information”), must
be protected as confidential, not copied, disclosed or used other than for the benefit of the
Employer at any time unless and until such knowledge or information is in the public domain
through no wrongful act by Employee. Employee further agrees not to divulge to anyone (other
than the Employer or any persons employed or designated by the Employer), publish or make use
of any such Confidential Information without the prior written consent of the Employer, except
by an order of a court having competent jurisdiction or under subpoena from an appropriate
government agency.
	 
	7.	 	Non-competition/Non-solicitation/Non-hire. Employee acknowledges and recognizes the
highly competitive nature of the business of the Employer. Without the express written
permission of Celanese, for a period of (52) weeks, following the Retirement Date (the
“Restricted Period”), Employee acknowledges and agrees that he will not: (i) directly or
indirectly solicit sales of like products similar to those produced or sold by Employer; or
(ii) directly engage or become employed with any business that competes with the business of
Celanese, including but not limited to: direct sales, supply chain, marketing, or
manufacturing for a producer of products similar to those produced or licensed by Celanese. In
addition, for (2) years, Employee will not directly or indirectly solicit, nor hire employees
of Celanese for employment. However, nothing in this provision shall restrict Employee from
owning, solely as an investment, publicly traded securities of any company which is engaged in
the business of Celanese if Employee (i) is not a controlling person of, or a member of a
group which controls; and (ii) does not, directly or indirectly, own 5% or more of any class
of securities of any such company.
	 
	8.	 	Governing Law and Interpretation. This Agreement and General Release shall be
governed and conformed in accordance with the laws of the State of Texas, without regard to
its conflict of laws

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	 	 	provision. In the event the Employee or Employer breaches any provision of this Agreement and
General Release, Employee and Employer affirm that either may institute an action to
specifically enforce any term or terms of this Agreement and General Release. Should any
provision of this Agreement and General Release be declared illegal or unenforceable by any
court of competent jurisdiction and cannot be modified to be enforceable, excluding the general
release language, such provision shall immediately become null and void, leaving the remainder
of this Agreement and General Release in full force and effect.
	 
	9.	 	Non-admission of Wrongdoing. The parties agree that neither this Agreement and
General Release nor the furnishing of the consideration for this Release shall be deemed or
construed at anytime for any purpose as an admission by Employer of any liability or unlawful
conduct of any kind.
	 
	10.	 	Neutral Reference. If contacted by another organization, the Employer will only
provide dates of employment and that the Employee voluntarily retired from the Company.
	 
	11.	 	Non-Disparagement. Employee agrees not to disparage, or make disparaging remarks or
send any disparaging communications concerning, the Employer, its reputation, its business,
and/or its directors, officers, managers. Likewise the Employer’s senior management agrees not
to disparage, or make any disparaging remark or send any disparaging communication concerning
Employee, his reputation and/or his business.
	 
	12.	 	Future Cooperation after Retirement Date. After retirement, Employee agrees to make
reasonable efforts to assist Company including but not limited to: assisting with transition
duties, assisting with issues that arise after retirement of employment and assisting with the
defense or prosecution of any lawsuit or claim. This includes but is not limited to providing
deposition testimony, attending hearings and testifying on behalf of the Company. The Company
will reimburse Employee for reasonable time and expenses in connection with any future
cooperation after the retirement date. Time and expenses can include loss of pay or using
vacation time at a future employer. The Company shall reimburse the Employee within 30 days
of remittance by Employee to the Company of such time and expenses incurred.
	 
	13.	 	Injunctive Relief. Employee agrees and acknowledges that the Employer will be
irreparably harmed by any breach, or threatened breach by him of this Agreement and that
monetary damages would be grossly inadequate. Accordingly, he agrees that in the event of a
breach, or threatened breach by him of this Agreement the Employer shall be entitled to apply
for immediate injunctive or other preliminary or equitable relief, as appropriate, in addition
to all other remedies at law or equity.
	 
	14.	 	Review Period. Employee is hereby advised he has until September 14, 2009, or
forty-five (45) calendar days, to review this Agreement and General Release and to consult
with an attorney prior to execution of this Agreement and General Release. Employee agrees
that any modifications, material or otherwise, made to this Agreement and General Release do
not restart or affect in any manner the original forty-five (45) calendar day consideration
period.
	 
	15.	 	Revocation Period and Effective Date. In the event that Employee elects to sign and
return to the Company a copy of this Agreement, he has a period of seven (7) days (the
“Revocation Period”) following the date of such execution to revoke this Agreement and General
Release, after which time this agreement will become effective (the “Effective Date”) if not
previously revoked. In order for the revocation to be effective, written notice must be
received by the Company no later than close of

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	 	 	business on the seventh day after the Employee signs this Agreement and General Release at which
time the Revocation Period shall expire.
	 
	16.	 	Amendment. This Agreement and General Release may not be modified, altered or
changed except upon express written consent of both parties wherein specific reference is made
to this Agreement and General Release.
	 
	17.	 	Entire Agreement. This Agreement and General Release sets forth the entire agreement
between the parties hereto, and fully supersedes any prior obligation of the Employer to the
Employee. Employee acknowledges that he has not relied on any representations, promises, or
agreements of any kind made to him in connection with his decision to accept this Agreement
and General Release, except for those set forth in this Agreement and General Release.
	 
	18.	 	HAVING ELECTED TO EXECUTE THIS AGREEMENT AND GENERAL RELEASE, TO FULFILL THE PROMISES AND TO
RECEIVE THE SUMS AND BENEFITS IN PARAGRAPH “2” ABOVE, EMPLOYEE FREELY AND KNOWINGLY, AND AFTER
DUE CONSIDERATION, ENTERS INTO THIS AGREEMENT AND GENERAL RELEASE INTENDING TO WAIVE, SETTLE
AND RELEASE ALL CLAIMS HE HAS OR MIGHT HAVE AGAINST EMPLOYER.

          IN WITNESS WHEREOF, the parties hereto knowingly and voluntarily executed this Release as of
the date set forth below.

	 	 	 	 	 	 	 	 
	EMPLOYEE	 	Celanese Corporation:

 
	By:

	 	/s/ John A. O’Dwyer
	 	By:
	 	/s/ Michael Summers
	 

	 	 
	 	 	 	 
	 

	 	John A. O’Dwyer
	 	 	 	Michael Summers
	 
	 	 	 	 	 	 
	Date: August 5, 2009

	 	Date:
August 3, 2009

-6-Exhibit 4.1

Exhibit 4.1

FIRST AMENDMENT

THIS FIRST AMENDMENT, dated as of October 30, 2009 (this “Amendment”), is to the Third
Amended and Restated Credit Agreement (as heretofore amended, the “Credit Agreement”) dated
as of October 30, 2008 among PENSKE AUTOMOTIVE GROUP, INC. (the “Company”), various
financial institutions (the “Lenders”) and DCFS USA LLC, as successor agent for the Lenders
(the “Agent”). Unless otherwise defined herein, terms defined in the Credit Agreement are
used herein as defined in the Credit Agreement.

WHEREAS, the parties hereto desire to amend the Credit Agreement in certain respects;

NOW, THEREFORE, in consideration of the premises and for other good and valuable consideration
(the receipt and sufficiency of which are hereby acknowledged), the parties hereto agree as
follows:

SECTION 1 AMENDMENT. Effective on the Effective Date (defined below), the definition
of “Interest Rate” in Section 1.1 of the Credit Agreement shall be amended by deleting the current
definition and replacing the same in its entirety as follows:

Interest Rate means, for each day, a rate per annum equal to the sum of (a) (i) in
the case of any day from and including the first day of each calendar month through and
including the 15th day of such calendar month, the LIBO Rate for the first day of such
calendar month and (ii) in the case of any day from and including the 16th day of each
calendar month through and including the last day of such calendar month, the LIBO Rate for
the 16th day of such calendar month (the rate set forth in this clause (a) being the
“Base LIBO Rate”) plus (b) (i) in the case of Revolving Loans, (x) if the Total
Outstandings is less than or equal to the Borrowing Base, a margin of two and one-half
percent (2.50%) per annum, and (y) if the Total Outstandings exceed the Borrowing Base, then
(A) a margin of three percent (3.00%) per annum shall apply to the portion of the Revolving
Loans equal to the amount by which the Total Outstandings exceed the Borrowing Base and (B)
a margin of two and one-half percent (2.50%) per annum shall apply to the portion of
Revolving Loans not described in the foregoing clause (A) (with each determination
of the Borrowing Base in this clause (i) to be effective as of the first day of the
calendar month during which the applicable Borrowing Base Certificate is delivered) and (ii)
in the case of the Term Loans, a margin of two and one-half percent (2.50%) per annum.
Notwithstanding the foregoing, at any time an Event of Default exists, the applicable margin
shall be increased by two percent (2.00%) per annum. For purposes of this definition,
“LIBO Rate” means, for each date of calculation, (1) the rate of interest (rounded
upwards, if necessary, to the next 1/16th of 1%) published in The Wall Street
Journal on such day (or the immediately preceding Business Day, if such date is not a
Business Day) in its “Money Rates” column as the one-month London Interbank Offered Rate for
Dollar-denominated deposits (if The Wall Street Journal ceases to publish such a
rate or substantially changes the methodology used to determine such rate, then the rate
shall be the rate of interest (rounded upwards, if necessary, to the next 1/16th of 1%)
published by Reuters Monitor Rates Service on such day (or the immediately preceding
Business Day, if such date is not a Business Day) as the one-month London Interbank Offered
Rate for Dollar-denominated deposits or (2) if such rate is not published or available, such rate as shall be otherwise independently determined by the Agent on a basis
substantially similar to the methodology used by The Wall Street Journal on the date
of this Agreement.

  

 

 

SECTION 2 REPRESENTATIONS AND WARRANTIES. The Company represents and warrants to the
Agent and the Lenders that: (a) the representations and warranties made in Section 8 of
the Credit Agreement are true and correct on and as of the date hereof with the same effect as if
made on and as of the date hereof (except to the extent relating solely to an earlier date, in
which case they were true and correct as of such earlier date); (b) no Event of Default or
Unmatured Event of Default exists or will result from the execution of this Amendment; (c) no event
or circumstance has occurred since the Effective Date that has resulted, or would reasonably be
expected to result, in a Material Adverse Effect; (d) the execution and delivery by the Company of
this Amendment and the performance by the Company of its obligations under the Credit Agreement as
amended hereby (as so amended, the “Amended Credit Agreement”) (i) are within the corporate
powers of the Company, (ii) have been duly authorized by all necessary corporate action, (iii) have
received all necessary approval from any governmental authority and (iv) do not and will not
contravene or conflict with any provision of any law, rule or regulation or any order, decree,
judgment or award which is binding on the Company or any of its Subsidiaries or of any provision of
the certificate of incorporation or bylaws or other organizational documents of the Company or of
any agreement, indenture, instrument or other document which is binding on the Company or any of
its Subsidiaries; and (e) the Amended Credit Agreement is the legal, valid and binding obligation
of the Company, enforceable against the Company in accordance with its terms, except as
enforceability may be limited by applicable bankruptcy, insolvency or similar laws affecting the
enforcement of creditors’ rights generally or by equitable principles relating to enforceability;

SECTION 3 CONDITIONS TO EFFECTIVENESS. The amendment set forth in Section 1
above shall become effective as of October 1, 2009 (the “Effective Date”) upon the
satisfaction of the following conditions precedent, each in form and substance satisfactory to the
Agent:

3.1 Amendment. The Agent shall have received a counterpart of this Amendment executed
by the Company and each Lender (or, in the case of any party other than the Company from which the
Agent has not received a counterpart hereof, facsimile confirmation of the execution of a
counterpart hereof by such party).

3.2 Reaffirmation. The Agent shall have received a counterpart of the Reaffirmation
of Loan Documents, in form and substance satisfactory to the Agent, executed by each Loan Party
other than the Company.

3.3 Other Documents. Such other documents as the Agent or any Lender may reasonably
request.

 

2

 

SECTION 4 MISCELLANEOUS.

4.1 Continuing Effectiveness, etc. As hereby amended, the Credit Agreement shall
remain in full force and effect and is hereby ratified and confirmed in all respects. All
references in the Credit Agreement, the Notes, each other Loan Document and any similar document to
the “Credit Agreement” or similar terms shall refer to the Amended Credit Agreement.

4.2 Counterparts. This Amendment may be executed in any number of counterparts and by
the different parties on separate counterparts, and each such counterpart shall be deemed to be an
original but all such counterparts shall together constitute one and the same Amendment.

4.3 Expenses. The Company agrees to pay the reasonable costs and expenses of the
Agent (including reasonable fees and disbursements of counsel, including, without duplication, the
allocable costs of internal legal services and all disbursements of internal legal counsel) in
connection with the preparation, execution and delivery of this Amendment.

4.4 Severability of Provisions. In the event that any provision in or obligation
under this Amendment shall be invalid, illegal or unenforceable in any jurisdiction, the validity,
legality and enforceability of the remaining provisions or obligations, or of such provision or
obligation in any other jurisdiction, shall not in any way be affected or impaired thereby.

4.5 Section Headings. The various headings of this Amendment are inserted for
convenience only and shall not affect the meaning or interpretation of this Amendment or the
Agreement or any provision hereof or thereof.

4.6 Governing Law. This Amendment shall be a contract made under and governed by the
laws of the State of New York applicable to contracts made and to be wholly performed within the
State of New York.

4.7 Successors and Assigns. This Amendment shall be binding upon the Company, the
Lenders and the Agent and their respective successors and assigns, and shall inure to the benefit
of the Company, the Lenders and the Agent and the successors and assigns of the Lenders and the
Agent.

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Delivered as of the day and year first above written.

	 	 	 	 	 
	 	 	PENSKE AUTOMOTIVE GROUP, INC.
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Robert T. O’Shaughnessy
	 

	 	 	 	 
	 

	 	Title:
	 	EVP Finance and CFO
	 

	 	 	 	 
	 
	 	 	 	 
	 
	 	 	 	 
	 	 	DCFS USA LLC, as Agent, as Issuing Lender and as a Lender
	 
	 	 	 	 
	 

	 	By:
	 	Michele Nowak
	 

	 	 	 	 
	 

	 	Title:
	 	Credit Director National Accounts
	 

	 	 	 	 
	 
	 	 	 	 
	 
	 	 	 	 
	 	 	TOYOTA MOTOR CREDIT CORPORATION, as a Lender
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Mark Doi
	 

	 	 	 	 
	 

	 	Title:
	 	National Dealer Credit Manager

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