Document:

EX-10.4

 Exhibit 10.4 
  

 
  

CALIFORNIA REPUBLIC AUTO RECEIVABLES TRUST 2016-2, 

as Issuer, 
 CALIFORNIA REPUBLIC
BANK, 
 as Servicer 
 and 

CENTER STREET FINANCE, LP, 
 as
Asset Representations Reviewer 
  
  

ASSET REPRESENTATIONS REVIEW AGREEMENT 

Dated as of June 1, 2016 
  

 
  

 
  

 TABLE OF CONTENTS 
  

					
	 	  	Page	 
	ARTICLE ONE	  
	
	USAGE AND DEFINITIONS	  
		
	 Section 1.01. Usage and Definitions
	  	 	1	  
	 Section 1.02. Additional Definitions
	  	 	1	  
	 Section 1.03. Review Materials and Test Definitions
	  	 	2	  
	
	ARTICLE TWO	  
	
	ENGAGEMENT OF ASSET REPRESENTATIONS REVIEWER	  
		
	 Section 2.01. Engagement; Acceptance
	  	 	3	  
	 Section 2.02. Confirmation of Status
	  	 	3	  
	
	ARTICLE THREE	  
	
	ASSET REPRESENTATIONS REVIEW PROCESS	  
		
	 Section 3.01. Review Notices
	  	 	4	  
	 Section 3.02. Identification of Review Receivables
	  	 	4	  
	 Section 3.03. Review Materials
	  	 	4	  
	 Section 3.04. Performance of Reviews
	  	 	4	  
	 Section 3.05. Review Reports
	  	 	5	  
	 Section 3.06. Review Representatives
	  	 	5	  
	 Section 3.07. Dispute Resolution
	  	 	6	  
	 Section 3.08. Limitations on Review Obligations
	  	 	6	  
	
	ARTICLE FOUR	  
	
	ASSET REPRESENTATIONS REVIEWER	  
		
	 Section 4.01. Representations and Warranties
	  	 	8	  
	 Section 4.02. Covenants
	  	 	9	  
	 Section 4.03. Fees and Expenses
	  	 	9	  
	 Section 4.04. Limitation on Liability
	  	 	10	  
	 Section 4.05. Indemnification by Asset Representations Reviewer
	  	 	10	  
	 Section 4.06. Indemnification of Asset Representations Reviewer
	  	 	10	  
	 Section 4.07. Inspections of Asset Representations Reviewer
	  	 	11	  
	 Section 4.08. Delegation of Obligations
	  	 	11	  
	 Section 4.09. Confidential Information
	  	 	12	  
	 Section 4.10. Personally Identifiable Information
	  	 	13	  

  
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	 	  	Page	 
	ARTICLE FIVE	  
	
	RESIGNATION AND REMOVAL;	  
	SUCCESSOR ASSET REPRESENTATIONS REVIEWER	  
		
	 Section 5.01. Eligibility Requirements for Asset Representations Reviewer
	  	 	16	  
	 Section 5.02. Resignation and Removal of Asset Representations Reviewer
	  	 	16	  
	 Section 5.03. Successor Asset Representations Reviewer
	  	 	16	  
	 Section 5.04. Merger, Consolidation or Succession
	  	 	17	  
	
	ARTICLE SIX	  
	
	OTHER AGREEMENTS	  
		
	 Section 6.01. Independence of Asset Representations Reviewer
	  	 	18	  
	 Section 6.02. No Petition
	  	 	18	  
	 Section 6.03. Limitation of Liability of Owner Trustee
	  	 	18	  
	 Section 6.04. Termination of Agreement
	  	 	18	  
	
	ARTICLE SEVEN	  
	
	MISCELLANEOUS PROVISIONS	  
		
	 Section 7.01. Amendments
	  	 	19	  
	 Section 7.02. Assignment; Benefit of Agreement; Third Party Beneficiaries
	  	 	19	  
	 Section 7.03. Notices
	  	 	20	  
	 Section 7.04. GOVERNING LAW
	  	 	20	  
	 Section 7.05. Submission to Jurisdiction
	  	 	20	  
	 Section 7.06. WAIVER OF JURY TRIAL
	  	 	20	  
	 Section 7.07. No Waiver; Remedies
	  	 	20	  
	 Section 7.08. Severability
	  	 	21	  
	 Section 7.09. Headings
	  	 	21	  
	 Section 7.10. Counterparts
	  	 	21	  

  

									
	SCHEDULES	  
				
	 SCHEDULE A
	  	–	 	 REVIEW MATERIALS
	  	 	SA-1	  
	 SCHEDULE B
	  	–	 	 REPRESENTATIONS AND WARRANTIES AND TESTS
	  	 	SB-1	  

  
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 This ASSET REPRESENTATIONS REVIEW AGREEMENT, dated as of June 1, 2016 (as amended, restated
or otherwise modified from time to time, this “Agreement”), is between California Republic Auto Receivables Trust 2016-2, a Delaware statutory trust, as issuer (the “Issuer”), California Republic Bank, a Delaware limited
liability company, as servicer (the “Servicer”), and Center Street Finance, LP, a Texas limited partnership, as asset representations reviewer (the “Asset Representations Reviewer”). 

WHEREAS, in the normal course of its business, CRB purchases retail installment sale contracts secured by new and used cars, light trucks and
utility vehicles from motor vehicle dealers; 
 WHEREAS, in connection with a securitization transaction sponsored by CRB, CRB sold a pool
of Receivables consisting of retail installment sale contracts to the Depositor, who sold them to the Issuer; 
 WHEREAS, the Issuer has
granted a security interest in the pool of Receivables to the Indenture Trustee, for the benefit of the Secured Parties, as security for the Notes issued by the Issuer under the Indenture; and 

WHEREAS, the Issuer has determined to engage the Asset Representations Reviewer to perform reviews of certain Receivables for compliance with
the representations and warranties made by CRB and the Depositor about the Receivables in the pool. 
 NOW, THEREFORE, in consideration of
the premises and the mutual covenants herein contained, the parties hereto agree as follows: 
 ARTICLE ONE 

USAGE AND DEFINITIONS 

Section 1.01. Usage and Definitions. Capitalized terms used in this Agreement that are not otherwise defined shall have the
meanings ascribed thereto in Appendix A to the Sale and Servicing Agreement, dated as of June 1, 2016, among the Issuer, California Republic Funding, LLC, the Servicer and U.S. Bank National Association, which Appendix is hereby
incorporated into and made a part of this Agreement. Appendix A also contains rules as to usage applicable to this Agreement. 

Section 1.02. Additional Definitions. The following terms have the meanings given below: 

“Confidential Information” has the meaning stated in Section 4.09(b). 

“Contract” has the meaning stated in Schedule A. 

“Information Recipients” has the meaning stated in Section 4.09(a). 

“Indemnified Person” has the meaning stated in Section 4.06(a). 

 “Issuer PII” has the meaning stated in Section 4.10(a). 

“Personally Identifiable Information” or “PII” has the meaning stated in Section 4.10(a). 

“Review” means the performance by the Asset Representations Reviewer of the testing procedures for each Test and each Review
Receivable according to Section 3.04. 
 “Review Fee” has the meaning stated in Section 4.03(b). 

“Review Materials” means, for a Review and a Review Receivable, the documents and other materials listed in Schedule A,
as applicable. 
 “Review Report” means, for a Review, the report of the Asset Representations Reviewer as described in
Section 3.05. 
 “Test” has the meaning stated in Section 3.04(a). 

“Test Complete” has the meaning stated in Section 3.04(c). 

“Test Fail” has the meaning stated in Section 3.04(a). 

“Test Pass” has the meaning stated in Section 3.04(a). 

Section 1.03. Review Materials and Test Definitions. Capitalized terms or terms or phrases in quotation marks used in the Tests,
if not defined in Appendix A to the Sale and Servicing Agreement or in this Agreement, including Schedule A to this Agreement, refer to sections, titles or terms in the Contract or other Review Materials. 

  
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 ARTICLE TWO 

ENGAGEMENT OF ASSET REPRESENTATIONS REVIEWER 

Section 2.01. Engagement; Acceptance. The Issuer engages Center Street Finance, LP to act as the Asset Representations Reviewer
for the Issuer. Center Street Finance, LP accepts the engagement and agrees to perform the obligations of the Asset Representations Reviewer on the terms in this Agreement. 

Section 2.02. Confirmation of Status. The parties confirm that the Asset Representations Reviewer is not responsible for
(a) reviewing the Receivables for compliance with the representations and warranties under the Basic Documents, except as described in this Agreement, (b) determining whether noncompliance with the representations or warranties constitutes
a breach of the Basic Documents or (c) determining if any Receivable is required to be repurchased. 

  
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 ARTICLE THREE 

ASSET REPRESENTATIONS REVIEW PROCESS 

Section 3.01. Review Notices. On receipt of a Review Notice from the Indenture Trustee according to Section 7.05 of the
Indenture, the Asset Representations Reviewer will start a Review. The Asset Representations Reviewer will not be obligated to start a Review until a Review Notice is received. 

Section 3.02. Identification of Review Receivables. Within ten Business Days after receipt of a Review Notice, the Servicer will
deliver to the Asset Representations Reviewer and the Indenture Trustee a list of the Review Receivables. 
 Section 3.03. Review
Materials. 
 (a) Access to Review Materials. The Servicer will give the Asset Representations Reviewer access to the Review
Materials for all of the Review Receivables within 60 days after receipt of the Review Notice in one or more of the following ways: (i) by providing access to the Servicer’s receivables systems, either remotely or at an office of the
Servicer, (ii) by electronic posting to a password-protected website to which the Asset Representations Reviewer has access, (iii) by providing originals or photocopies at an office of the Servicer where the Receivable Files are located or
(iv) in another manner agreed by the Servicer and the Asset Representations Reviewer. The Servicer may redact or remove Personally Identifiable Information from the Review Materials without changing the meaning or usefulness of the Review
Materials for the Review. 
 (b) Missing or Insufficient Review Materials. The Asset Representations Reviewer will review the Review
Materials to determine if any Review Materials are missing or insufficient for the Asset Representations Reviewer to perform any Test. If the Asset Representations Reviewer determines any missing or insufficient Review Materials, the Asset
Representations Reviewer will notify the Servicer promptly, and in any event no less than 20 days before completing the Review. The Servicer will have 15 days to give the Asset Representations Reviewer access to the missing Review
Materials or other documents or information to correct the insufficiency. If the missing Review Materials or other documents have not been provided by the Servicer within 15 days, the related Review Receivable will have a Test Fail for the Test
or Tests that require use of the missing or insufficient Review Materials. If the Contract for any Review Receivable is not provided or is illegible, the Asset Representations Reviewer will be unable to perform any Tests and the related Review
Receivable will have an overall Test Fail for all Tests. In either of these cases, the Test or Tests will be considered completed and the Review Report will report a Test Fail for the related Review Receivable or applicable representation or
warranty and the reason for the Test Fail. 
 Section 3.04. Performance of Reviews. 

(a) Test Procedures. For a Review, the Asset Representations Reviewer will perform for each Review Receivable the procedures listed
under “Tests” in Schedule B for each representation and warranty (each, a “Test”), using the Review Materials necessary to perform 

  
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the procedures as stated in the Test. For each Test and Review Receivable, the Asset Representations Reviewer will determine if the Test has been satisfied (a “Test Pass”) or if the
Test has not been satisfied (a “Test Fail”). 
 (b) Review Period. The Asset Representations Reviewer will complete the
Review of all of the Review Receivables within 60 days after receiving access to the Review Materials under Section 3.03(a). However, if missing or additional Review Materials are provided to the Asset Representations Reviewer under
Section 3.03(b) or the Asset Representations Reviewer requires clarification of any Review Materials or testing procedures, the Review period will be extended for an additional 30 days. 

(c) Completion of Review for Certain Review Receivables. Following the delivery of the list of the Review Receivables and before the
delivery of the Review Report by the Asset Representations Reviewer, the Servicer may notify the Asset Representations Reviewer if a Review Receivable is paid in full by the Obligor or purchased from the Issuer by CRB, the Depositor or the Servicer
according to the Basic Documents. On receipt of notice, the Asset Representations Reviewer will immediately terminate all Tests of such Receivables and the Review of such Receivables will be considered complete (a “Test Complete”). In this
case, the Review Report will indicate a Test Complete for the Receivables and the related reason. 
 (d) Duplicative Tests. If the
same Test is required for more than one representation or warranty listed on Schedule B, the Asset Representations Reviewer will only perform the Test once for each Review Receivable but will report the results of the Test for each applicable
representation or warranty on the Review Report. 
 (e) Termination of Review. If a Review is in process and the Notes will be paid
in full on the next Payment Date, the Servicer will notify the Asset Representations Reviewer and the Indenture Trustee no less than ten days before that Payment Date. On receipt of notice, the Asset Representations Reviewer will terminate the
Review immediately and will not be obligated to deliver a Review Report. 
 Section 3.05. Review Reports. Within five days after
the end of the Review period under Section 3.04(b), the Asset Representations Reviewer will deliver to the Issuer, the Servicer and the Indenture Trustee a Review Report indicating for each Review Receivable whether there was a Test Pass or a
Test Fail for each Test, or whether the Review Receivable was an overall Test Fail (for a missing or illegible Contract) or a Test Complete. For each Test Fail, overall Test Fail or Test Complete, the Review Report will indicate the related reason.
The Review Report will contain a summary of the Review results to be included in the Issuer’s Form 10-D report for the Collection Period in which the Review Report is received. The Asset Representations Reviewer will ensure that the Review
Report does not contain any Issuer PII. On reasonable request of the Servicer, the Asset Representations Reviewer will provide additional detail on the Test results. 

Section 3.06. Review Representatives. 

(a) Servicer Representative. The Servicer will designate one or more representatives who will be available to assist the Asset
Representations Reviewer in performing the Review, 

  
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including responding to requests and answering questions from the Asset Representations Reviewer about access to Review Materials on the Servicer’s originations, receivables or other
systems, obtaining missing or insufficient Review Materials and/or providing clarification of any Review Materials or Tests. 
 (b) Asset
Representations Reviewer Representative. The Asset Representations Reviewer will designate one or more representatives who will be available to the Issuer and the Servicer during the performance of a Review. 

(c) Questions About Review. The Asset Representations Reviewer will make appropriate personnel available to respond in writing to
written questions or requests for clarification of any Review Report from the Indenture Trustee or the Servicer until the earlier of (i) the payment in full of the Notes and (ii) one year after the delivery of the Review Report. The Asset
Representations Reviewer will not be obligated to respond to questions or requests for clarification from Noteholders or any other Person and will direct such Persons to submit written questions or requests to the Servicer. 

Section 3.07. Dispute Resolution. If a Receivable that was Reviewed by the Asset Representations Reviewer is the subject of a
dispute resolution proceeding under Section 3.04 of the Sale and Servicing Agreement, the Asset Representations Reviewer will participate in the dispute resolution proceeding on request of a party to the proceeding. The reasonable expenses of
the Asset Representations Reviewer for its participation in any dispute resolution proceeding will be considered expenses of the requesting party for the dispute resolution and will be paid by a party to the dispute resolution as determined by the
mediator or arbitrator for the dispute resolution according to Section 3.04 of the Sale and Servicing Agreement. If not paid by a party to the dispute resolution, the expenses will be reimbursed by the Issuer according to Section 4.03(d).

 Section 3.08. Limitations on Review Obligations. 

(a) Review Process Limitations. The Asset Representations Reviewer is not obligated to: 

(i) determine whether a Delinquency Trigger has occurred or whether the required percentage of Noteholders has voted to direct
a Review under the Indenture, and may rely on the information in any Review Notice delivered by the Indenture Trustee; 

(ii) determine which Receivables are subject to a Review, and may rely on the lists of Review Receivables provided by the
Servicer; 
 (iii) obtain or confirm the validity of the Review Materials and will not be liable for any errors in the Review
Materials and may rely on the accuracy and completeness of the Review Materials; 
 (iv) obtain missing or insufficient
Review Materials from any party or any other source; or 

  
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 (v) take any action or cause any other party to take any action under any of the
Basic Documents or otherwise to enforce any remedies against any Person for noncompliance or breaches of representations or warranties about the Review Receivables. 

(b) Testing Procedure Limitations. The Asset Representations Reviewer will only be required to perform the testing procedures listed
under “Tests” in Schedule A, and will not be obligated to perform additional procedures on any Review Receivable or to provide any information other than a Review Report indicating for each Review Receivable whether there was a Test
Pass or a Test Fail for each Test, or whether the Review Receivable was a Test Complete and the related reason. However, the Asset Representations Reviewer may provide additional information about any Review Receivable that it determines in good
faith to be material to the Review. 

  
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 ARTICLE FOUR 

ASSET REPRESENTATIONS REVIEWER 

Section 4.01. Representations and Warranties. The Asset Representations Reviewer represents and warrants to the Issuer as of the
Closing Date: 
 (a) Organization and Qualification. The Asset Representations Reviewer is duly organized and validly
existing as a limited partnership in good standing under the laws of State of Texas. The Asset Representations Reviewer is qualified as a foreign entity in good standing and has obtained all necessary licenses and approvals in all jurisdictions in
which the ownership or lease of its properties or the conduct of its activities requires the qualification, license or approval, unless the failure to obtain the qualifications, licenses or approvals would not reasonably be expected to have a
material adverse effect on the Asset Representations Reviewer’s ability to perform its obligations under this Agreement. 

(b) Power, Authority and Enforceability. The Asset Representations Reviewer has the power and authority to execute,
deliver and perform its obligations under this Agreement. The Asset Representations Reviewer has authorized the execution, delivery and performance of this Agreement. This Agreement is the legal, valid and binding obligation of the Asset
Representations Reviewer enforceable against the Asset Representations Reviewer, except as may be limited by insolvency, bankruptcy, reorganization or other laws relating to the enforcement of creditors’ rights or by general equitable
principles. 
 (c) No Conflicts and No Violation. The completion of the transactions contemplated by this Agreement
and the performance of the Asset Representations Reviewer’s obligations under this Agreement will not (i) conflict with, or be a breach or default under, any indenture, mortgage, deed of trust, loan agreement, guarantee or similar document
under which the Asset Representations Reviewer is a debtor or guarantor, (ii) result in the creation or imposition of a Lien on the properties or assets of the Asset Representations Reviewer under the terms of any indenture, mortgage, deed of
trust, loan agreement, guarantee or similar document, (iii) violate the organizational documents of the Asset Representations Reviewer or (iv) violate a law or, to the Asset Representations Reviewer’s knowledge, an order, rule or
regulation of a Governmental Authority having jurisdiction over the Asset Representations Reviewer or its properties that applies to the Asset Representations Reviewer, which, in each case, would reasonably be expected to have a material adverse
effect on the Asset Representations Reviewer’s ability to perform its obligations under this Agreement. 
 (d) No
Proceedings. To the Asset Representations Reviewer’s knowledge, there are no proceedings or investigations pending or threatened in writing before a Governmental Authority having jurisdiction over the Asset Representations Reviewer or its
properties (i) asserting the invalidity of this Agreement, (ii) seeking to prevent the completion of the transactions contemplated by this Agreement or (iii) seeking any determination or ruling that would reasonably be expected to
have a material adverse effect on the Asset Representations Reviewer’s ability to perform its obligations under, or the validity or enforceability of, this Agreement. 

  
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 (e) Eligibility. The Asset Representations Reviewer meets the eligibility
requirements in Section 5.01. 
 Section 4.02. Covenants. The Asset Representations Reviewer covenants and agrees that:

 (a) Eligibility. It will notify the Issuer and the Servicer promptly if it no longer meets the eligibility
requirements in Section 5.01. 
 (b) Review Systems; Personnel. It will maintain business process management
and/or other systems necessary to ensure that it can perform each Test and, on execution of this Agreement, will load each Test into these systems. The Asset Representations Reviewer will ensure that these systems allow for each Review Receivable
and the related Review Materials to be individually tracked and stored as contemplated by this Agreement. The Asset Representations Reviewer will maintain adequate staff that is properly trained to conduct Reviews as required by this Agreement. 

(c) Maintenance of Review Materials. It will maintain copies of any Review Materials, Review Reports and other documents
relating to a Review, including internal correspondence and work papers, for a period of two years after the termination of this Agreement. 

Section 4.03. Fees and Expenses. 

(a) Annual Fee. The Issuer will, or will cause the Servicer to, pay the Asset Representations Reviewer, as compensation for agreeing to
act as the Asset Representations Reviewer under this Agreement, an annual fee of $3,750.00. The annual fee will be paid as agreed by the Issuer and the Asset Representations Reviewer until this Agreement is terminated. 

(b) Review Fee. Following the completion of a Review and the delivery to the Indenture Trustee of the Review Report, or the termination
of a Review according to Section 3.04(e), and the delivery to the Servicer of a detailed invoice, the Asset Representations Reviewer will be entitled to a fee of up to $275.00 for each Review Receivable for which the Review was started (the
“Review Fee”). However, no Review Fee will be charged for any Review Receivable which was included in a prior Review or for which no Tests were completed prior to the Asset Representations Reviewer being notified of a termination of the
Review according to Section 3.04(e) or due to missing or insufficient Review Materials under Section 3.03(b). If the detailed invoice is submitted on or before the first day of a month, the Review Fee will be paid by the Issuer according
to the priority of payments in Section 5.04 of the Sale and Servicing Agreement starting on or before the Payment Date in that month. However, if a Review is terminated according to Section 3.04(e), the Asset Representations Reviewer must
submit its invoice for the Review Fee for the terminated Review no later than five Business Days before the final Payment Date to be reimbursed no later than the final Payment Date. 

  
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 (c) Reimbursement of Expenses. If the Servicer provides access to the Review Materials at
one of its properties, the Issuer will reimburse the Asset Representations Reviewer for its reasonable travel expenses incurred in connection with the Review upon receipt of a detailed invoice. In addition, the Servicer shall reimburse the Asset
Representations Reviewer for any reasonable out of pocket fees and expenses for opinions of counsel incurred in connection with the execution of this Agreement. 

(d) Dispute Resolution Expenses. If the Asset Representations Reviewer participates in a dispute resolution proceeding under
Section 3.07 and its reasonable expenses for participating in the proceeding are not paid by a party to the dispute resolution within 90 days after the end of the proceeding, the Issuer will reimburse the Asset Representations Reviewer for
such expenses upon receipt of a detailed invoice. 
 Section 4.04. Limitation on Liability. The Asset Representations Reviewer
will not be liable to any Person for any action taken, or not taken, in good faith under this Agreement or for errors in judgment. However, the Asset Representations Reviewer will be liable for its willful misconduct, bad faith or negligence in
performing its obligations under this Agreement. In no event will the Asset Representations Reviewer be liable for special, indirect or consequential losses or damages (including lost profit), even if the Asset Representations Reviewer has been
advised of the likelihood of the loss or damage and regardless of the form of action. 
 Section 4.05. Indemnification by Asset
Representations Reviewer. The Asset Representations Reviewer will indemnify each of the Issuer, the Depositor, the Servicer, the Owner Trustee and the Indenture Trustee and their respective directors, officers, employees, legal representatives
and agents for all fees, expenses, losses, damages and liabilities (including the reasonable fees and expenses incurred with the enforcement of any indemnification or obligation of the Asset Representations Reviewer) resulting from (a) the
willful misconduct, bad faith or negligence of the Asset Representations Reviewer in performing its obligations under this Agreement or (b) the Asset Representations Reviewer’s breach of any of its representations or warranties in this
Agreement. The Asset Representations Reviewer’s obligations under this Section 4.05 will survive the termination of this Agreement, the termination of the Issuer and the resignation or removal of the Asset Representations Reviewer. 

Section 4.06. Indemnification of Asset Representations Reviewer. 

(a) Indemnification. The Issuer will, or will cause the Administrator to, indemnify the Asset Representations Reviewer and its officers,
directors, employees and agents (each, an “Indemnified Person”), for all fees, expenses, losses, damages and liabilities resulting from the performance of its obligations under this Agreement (including the fees and expenses of defending
itself against any loss, damage or liability), but excluding any fee, expense, loss, damage or liability resulting from (i) the Asset Representations Reviewer’s willful misconduct, bad faith or negligence (other than errors in judgment) or
(ii) the Asset Representations Reviewer’s breach of any of its representations or warranties in this Agreement. 
 (b)
Proceedings. Promptly on receipt by an Indemnified Person of notice of a Proceeding against it, the Indemnified Person will, if a claim is to be made under Section 4.06(a), notify the Issuer and the Administrator of the Proceeding. The
Issuer or the Administrator may 

  
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participate in and assume the defense and settlement of a Proceeding at its expense. If the Issuer or the Administrator notifies the Indemnified Person of its intention to assume the defense of
the Proceeding with counsel reasonably satisfactory to the Indemnified Person, and so long as the Issuer or the Administrator assumes the defense of the Proceeding in a manner reasonably satisfactory to the Indemnified Person, the Issuer and the
Administrator will not be liable for fees and expenses of counsel to the Indemnified Person unless there is a conflict between the interests of the Issuer or the Administrator, as applicable, and an Indemnified Person. If there is a conflict, the
Issuer or the Administrator will pay for the reasonable fees and expenses of separate counsel to the Indemnified Person. No settlement of a Proceeding may be made without the approval of the Issuer and the Administrator and the Indemnified Person,
which approval will not be unreasonably withheld. 
 (c) Survival of Obligations. The Issuer’s and the Administrator’s
obligations under this Section 4.06 will survive the resignation or removal of the Asset Representations Reviewer and the termination of this Agreement. 

(d) Repayment. If the Issuer or the Administrator makes any payment under this Section 4.06 and the Indemnified Person later
collects any of the amounts for which the payments were made to it from others, the Indemnified Person will promptly repay the amounts to the Issuer or the Administrator, as applicable. 

Section 4.07. Inspections of Asset Representations Reviewer. The Asset Representations Reviewer agrees that, with reasonable prior
notice not more than once during any year, it will permit authorized representatives of the Issuer, the Servicer or the Administrator, during the Asset Representations Reviewer’s normal business hours, at such party’s expense, to examine
and review the books of account, records, reports and other documents and materials of the Asset Representations Reviewer relating to (a) the performance of the Asset Representations Reviewer’s obligations under this Agreement,
(b) payments of fees and expenses of the Asset Representations Reviewer for its performance and (c) a claim made by the Asset Representations Reviewer under this Agreement. In addition, the Asset Representations Reviewer will permit the
Issuer’s, the Servicer’s or the Administrator’s representatives to make copies and extracts of any of those documents, at such party’s expense, and to discuss them with the Asset Representations Reviewer’s officers and
employees. Each of the Issuer, the Servicer and the Administrator will, and will cause its authorized representatives to, hold in confidence the information except if disclosure may be required by law or if the Issuer, the Servicer or the
Administrator reasonably determines that it is required to make the disclosure under this Agreement or the other Basic Documents. The Asset Representations Reviewer will maintain all relevant books, records, reports and other documents and materials
for a period of at least two years after the termination of its obligations under this Agreement. 
 Section 4.08. Delegation of
Obligations. The Asset Representations Reviewer may not delegate or subcontract its obligations under this Agreement to any Person without the consent of the Issuer and the Servicer. 

  
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 Section 4.09. Confidential Information. 

(a) Treatment. The Asset Representations Reviewer agrees to hold and treat Confidential Information given to it under this Agreement in
confidence and under the terms and conditions of this Section 4.09, and will implement and maintain safeguards to further assure the confidentiality of the Confidential Information. The Confidential Information will not, without the prior
consent of the Issuer and the Servicer, be disclosed or used by the Asset Representations Reviewer, or its officers, directors, employees, agents, representatives or affiliates, including legal counsel (collectively, the “Information
Recipients”) other than for the purposes of performing Reviews of Review Receivables or performing its obligations under this Agreement. The Asset Representations Reviewer agrees that it will not, and will cause its Affiliates to not
(i) purchase or sell securities issued by CRB or its Affiliates or special purpose entities on the basis of Confidential Information or (ii) use the Confidential Information for the preparation of research reports, newsletters or other
publications or similar communications. 
 (b) Definition. “Confidential Information” means oral, written and electronic
materials (irrespective of its source or form of communication) furnished before, on or after the date of this Agreement to the Asset Representations Reviewer for the purposes contemplated by this Agreement, including: 

(i) lists of Review Receivables and any related Review Materials; 

(ii) origination and servicing guidelines, policies and procedures, and form contracts; and 

(iii) notes, analyses, compilations, studies or other documents or records prepared by the Servicer, which contain information
supplied by or on behalf of the Servicer or its representatives. 
 However, Confidential Information will not include information that (A) is or
becomes generally available to the public other than as a result of disclosure by the Information Recipients, (B) was available to, or becomes available to, the Information Recipients on a non-confidential basis from a Person or entity other
than the Issuer or the Servicer before its disclosure to the Information Recipients who, to the knowledge of the Information Recipient is not bound by a confidentiality agreement with the Issuer or the Servicer and is not prohibited from
transmitting the information to the Information Recipients, (C) is independently developed by the Information Recipients without the use of the Confidential Information, as shown by the Information Recipients’ files and records or other
evidence in the Information Recipients’ possession or (D) the Issuer or the Servicer provides permission to the applicable Information Recipients to release. 

(c) Protection. The Asset Representations Reviewer will take reasonable measures to protect the secrecy of and avoid disclosure and
unauthorized use of Confidential Information, including those measures that it takes to protect its own confidential information and not less than a reasonable standard of care. The Asset Representations Reviewer acknowledges that Personally
Identifiable Information is also subject to the additional requirements in Section 4.10. 

  
 12 

 (d) Disclosure. If the Asset Representations Reviewer is required by Applicable Law,
regulation, rule or order issued by a Governmental Authority to disclose part of the Confidential Information, it may disclose the Confidential Information. However, before a required disclosure, the Asset Representations Reviewer, if permitted by
law, regulation, rule or order, will use its reasonable efforts to provide the Issuer and the Servicer with notice of the requirement and will cooperate, at the Servicer’s expense, in the Issuer’s and the Servicer’s pursuit of a
proper protective order or other relief for the disclosure of the Confidential Information. If the Issuer or the Servicer is unable to obtain a protective order or other proper remedy by the date that the information is required to be disclosed, the
Asset Representations Reviewer will disclose only that part of the Confidential Information that it is advised by its legal counsel it is legally required to disclose. 

(e) Responsibility for Information Recipients. The Asset Representations Reviewer will be responsible for a breach of this Section by
its Information Recipients. 
 (f) Violation. The Asset Representations Reviewer agrees that a violation of this Agreement may cause
irreparable injury to the Issuer and the Servicer and the Issuer and the Servicer may seek injunctive relief in addition to legal remedies. If an action is initiated by the Issuer or the Servicer to enforce this Section, the prevailing party will be
reimbursed for its fees and expenses, including reasonable attorney’s fees, incurred for the enforcement. 
 Section 4.10.
Personally Identifiable Information. 
 (a) Definitions. “Personally Identifiable Information” or “PII”
means information in any format about an identifiable individual, including, name, address, phone number, e-mail address, account number(s), identification number(s), any other actual or assigned attribute associated with or identifiable to an
individual and any information that when used separately or in combination with other information could identify an individual. “Issuer PII” means PII furnished by the Issuer, the Servicer or their Affiliates to the Asset Representations
Reviewer and PII developed or otherwise collected or acquired by the Asset Representations Reviewer in performing its obligations under this Agreement. 

(b) Use of Issuer PII. The Issuer does not grant the Asset Representations Reviewer any rights to Issuer PII except as provided in this
Agreement. The Asset Representations Reviewer will use Issuer PII only to perform its obligations under this Agreement or as specifically directed in writing by the Issuer and will only reproduce Issuer PII to the extent necessary for these
purposes. The Asset Representations Reviewer must comply with all laws applicable to PII, Issuer PII and the Asset Representations Reviewer’s business, including any legally required codes of conduct, including those relating to privacy,
security and data protection. The Asset Representations Reviewer will protect and secure Issuer PII. The Asset Representations Reviewer will implement privacy or data protection policies and procedures that comply with Applicable Law and this
Agreement. The Asset Representations Reviewer will implement and maintain reasonable and appropriate practices, procedures and systems, including administrative, technical and physical safeguards to (i) protect the security, confidentiality and
integrity of Issuer PII, (ii) ensure against anticipated threats or hazards to the security or integrity of Issuer PII, (iii) protect against unauthorized access to or use of Issuer PII and (iv) otherwise comply with its obligations
under this Agreement. These safeguards include a written data 

  
 13 

 
security plan, employee training, information access controls, restricted disclosures, systems protections (e.g., intrusion protection, data storage protection and data transmission protection)
and physical security measures. 
 (c) Additional Limitations. In addition to the use and protection requirements described in
Section 4.10(b), the Asset Representations Reviewer’s disclosure of Issuer PII is also subject to the following requirements: 

(i) The Asset Representations Reviewer will not disclose Issuer PII to its personnel or allow its personnel access to Issuer
PII except (A) for the Asset Representations Reviewer personnel who require Issuer PII to perform a Review, (B) with the prior consent of the Issuer or (C) as required by Applicable Law. When permitted, the disclosure of or access to
Issuer PII will be limited to the specific information necessary for the individual to complete the assigned task. The Asset Representations Reviewer will inform personnel with access to Issuer PII of the confidentiality requirements in this
Agreement and train its personnel with access to Issuer PII on the proper use and protection of Issuer PII. 
 (ii) The Asset
Representations Reviewer will not sell, disclose, provide or exchange Issuer PII with or to any third party without the prior consent of the Issuer. 

(d) Notice of Breach. The Asset Representations Reviewer will notify the Issuer promptly in the event of an actual or reasonably
suspected security breach, unauthorized access, misappropriation or other compromise of the security, confidentiality or integrity of Issuer PII and, where applicable, immediately take action to prevent any further breach. 

(e) Return or Disposal of Issuer PII. Except where return or disposal is prohibited by Applicable Law, promptly on the earlier of the
completion of the Review or the request of the Issuer, all Issuer PII in any medium in the Asset Representations Reviewer’s possession or under its control will be (i) destroyed in a manner that prevents its recovery or restoration or
(ii) if so directed by the Issuer, returned to the Issuer without the Asset Representations Reviewer retaining any actual or recoverable copies, in both cases, without charge to the Issuer. Where the Asset Representations Reviewer retains
Issuer PII, the Asset Representations Reviewer will limit the Asset Representations Reviewer’s further use or disclosure of Issuer PII to that required by Applicable Law. 

(f) Compliance; Modification. The Asset Representations Reviewer will cooperate with and provide information to the Issuer regarding
the Asset Representations Reviewer’s compliance with this Section 4.10. The Asset Representations Reviewer and the Issuer agree to modify this Section 4.10 as necessary for either party to comply with Applicable Law. 

(g) Audit of Asset Representations Reviewer. The Asset Representations Reviewer will permit the Issuer and its authorized
representatives at such party’s expense to audit the Asset Representations Reviewer’s compliance with this Section 4.10 during the Asset Representations Reviewer’s normal business hours on reasonable advance notice to the Asset
Representations Reviewer, and not more than once during any year unless circumstances necessitate additional audits. The Issuer agrees to make reasonable efforts to schedule any audit described in this

  
 14 

 
Section 4.10 with the inspections described in Section 4.07. The Asset Representations Reviewer will also permit the Issuer during normal business hours on reasonable advance written
notice to audit any service providers used by the Asset Representations Reviewer to fulfill the Asset Representations Reviewer’s obligations under this Agreement. 

(h) Affiliates and Third Parties. If the Asset Representations Reviewer processes the PII of the Issuer’s Affiliates or a third
party when performing a Review, and if such Affiliate or third party is identified to the Asset Representations Reviewer, such Affiliate or third party is an intended third-party beneficiary of this Section 4.10, and this Agreement is intended
to benefit the Affiliate or third party. The Affiliate or third party may enforce the PII related terms of this Section 4.10 against the Asset Representations Reviewer as if each were a signatory to this Agreement. 

  
 15 

 ARTICLE FIVE 

RESIGNATION AND REMOVAL; 

SUCCESSOR ASSET REPRESENTATIONS REVIEWER 

Section 5.01. Eligibility Requirements for Asset Representations Reviewer. The Asset Representations Reviewer must be a Person who
(a) is not Affiliated with CRB, the Depositor, the Servicer, the Indenture Trustee, the Owner Trustee or any of their Affiliates and (b) was not, and is not Affiliated with a Person that was, engaged by CRB or any Underwriter to perform
any due diligence on the Receivables prior to the Closing Date. 
 Section 5.02. Resignation and Removal of Asset Representations
Reviewer. 
 (a) No Resignation. The Asset Representations Reviewer will not resign as Asset Representations Reviewer unless it
determines it is legally unable to perform its obligations under this Agreement and there is no reasonable action that it could take to make the performance of its obligations under this Agreement permitted under Applicable Law. The Asset
Representations Reviewer will deliver a notice of its resignation to the Issuer, the Servicer and the Indenture Trustee, together with an Opinion of Counsel supporting its determination. 

(b) Removal. If any of the following events occur, the Issuer, by notice to the Asset Representations Reviewer, may remove the Asset
Representations Reviewer and terminate its rights and obligations under this Agreement: 
 (i) the Asset Representations
Reviewer no longer meets the eligibility requirements in Section 5.01; or 
 (ii) the Asset Representations Reviewer
breaches any of its representations, warranties, covenants or obligations in this Agreement; or 
 (iii) an Insolvency Event
of the Asset Representations Reviewer occurs. 
 (c) Notice of Resignation or Removal. The Issuer will notify the Servicer, the Owner
Trustee and the Indenture Trustee of any resignation or removal of the Asset Representations Reviewer. 
 (d) Continue to Perform After
Resignation or Removal. No resignation or removal of the Asset Representations Reviewer will be effective, and the Asset Representations Reviewer will continue to perform its obligations under this Agreement, until a successor Asset
Representations Reviewer has accepted its engagement according to Section 5.03(b). 
 Section 5.03. Successor Asset
Representations Reviewer. 
 (a) Engagement of Successor Asset Representations Reviewer. Following the resignation or removal of
the Asset Representations Reviewer, the Issuer will engage a successor Asset Representations Reviewer who meets the eligibility requirements of Section 5.01. 

  
 16 

 (b) Effectiveness of Resignation or Removal. No resignation or removal of the Asset
Representations Reviewer will be effective until the successor Asset Representations Reviewer has executed and delivered to the Issuer, the Servicer and the Indenture Trustee an agreement accepting its engagement and agreeing to perform the
obligations of the Asset Representations Reviewer under this Agreement or entering into a new agreement with the Issuer on substantially the same terms as this Agreement. 

(c) Transition and Expenses. If the Asset Representations Reviewer resigns or is removed, the Asset Representations Reviewer will
cooperate with the Issuer and take all actions reasonably requested to assist the Issuer in making an orderly transition of the Asset Representations Reviewer’s rights and obligations under this Agreement to the successor Asset Representations
Reviewer. The Asset Representations Reviewer will pay the reasonable expenses of transitioning the Asset Representations Reviewer’s obligations under this Agreement and preparing the successor Asset Representations Reviewer to take on the
obligations on receipt of an invoice with reasonable detail of the expenses from the Issuer or the successor Asset Representations Reviewer. 

Section 5.04. Merger, Consolidation or Succession. Any Person (a) into which the Asset Representations Reviewer is merged or
consolidated, (b) resulting from any merger or consolidation to which the Asset Representations Reviewer is a party or (c) succeeding to the business of the Asset Representations Reviewer, if that Person meets the eligibility requirements
in Section 5.01, will be the successor to the Asset Representations Reviewer under this Agreement. Such Person will execute and deliver to the Issuer, the Servicer and the Indenture Trustee an agreement to assume the Asset Representations
Reviewer’s obligations under this Agreement (unless the assumption happens by operation of law). 

  
 17 

 ARTICLE SIX 

OTHER AGREEMENTS 

Section 6.01. Independence of Asset Representations Reviewer. The Asset Representations Reviewer will be an independent contractor
and will not be subject to the supervision of the Issuer or the Owner Trustee for the manner in which it accomplishes the performance of its obligations under this Agreement. Unless authorized by the Issuer or the Owner Trustee, respectively, the
Asset Representations Reviewer will have no authority to act for or represent the Issuer or the Owner Trustee and will not be considered an agent of the Issuer or the Owner Trustee. Nothing in this Agreement will make the Asset Representations
Reviewer and either of the Issuer or the Owner Trustee members of any partnership, joint venture or other separate entity or impose any liability as such on any of them. For avoidance of doubt, the Indenture Trustee will not be responsible for
monitoring the performance by the Asset Representations Reviewer of its obligations under this Agreement. 
 Section 6.02. No
Petition. Each of the parties agrees that, before the date that is one year and one day (or, if longer, any applicable preference period) after payment in full of (a) all securities issued by the Depositor or by a trust for which the
Depositor was a depositor or (b) the Notes, it will not start or pursue against, or join any other Person in starting or pursuing against (i) the Depositor or (ii) the Issuer, respectively, any bankruptcy, reorganization, arrangement,
insolvency or liquidation proceedings or other proceedings under any bankruptcy or similar law. This Section 6.02 will survive the termination of this Agreement. 

Section 6.03. Limitation of Liability of Owner Trustee. This Agreement has been signed on behalf of the Issuer by Wilmington
Trust, National Association not in its individual capacity but solely in its capacity as Owner Trustee of the Issuer. In no event will Wilmington Trust, National Association in its individual capacity or a beneficial owner of the Issuer be liable
for the Issuer’s obligations under this Agreement. For all purposes under this Agreement, the Owner Trustee will be subject to, and entitled to the benefits of, the Trust Agreement. 

Section 6.04. Termination of Agreement. This Agreement will terminate, except for the obligations under Section 4.06, on the
earlier of (a) the payment in full of all outstanding Notes and the satisfaction and discharge of the Indenture and (b) the date the Issuer is terminated under the Trust Agreement. 

  
 18 

 ARTICLE SEVEN 

MISCELLANEOUS PROVISIONS 

Section 7.01. Amendments. 

(a) The parties may amend this Agreement: 

(i) to clarify an ambiguity, correct an error or correct or supplement any term of this Agreement that may be defective or
inconsistent with the other terms of this Agreement or to provide for, or facilitate the acceptance of this Agreement by, a successor Asset Representations Reviewer, in each case without the consent of the Noteholders or any other Person; 

(ii) to add, change or eliminate terms of this Agreement, in each case without the consent of the Noteholders or any other
Person, if the Administrator delivers an Officer’s Certificate to the Issuer, the Owner Trustee and the Indenture Trustee stating that the amendment will not have a material adverse effect on the Noteholders; or 

(iii) to add, change or eliminate terms of this Agreement for which an Officer’s Certificate is not or cannot be delivered
under Section 7.01(a)(ii), with the consent of the Noteholders holding not less than 51% of the Note Balance of each Class of Notes Outstanding (with each affected Class voting separately, except that all Noteholders of Class A Notes will
vote together as a single class). 
 (b) Notice of Amendments. The Administrator will notify the Rating Agencies in advance of any
amendment. Promptly after the execution of an amendment, the Administrator will deliver a copy of the amendment to the Rating Agencies. 

(c) Consent of the Trustees. Notwithstanding anything to the contrary in this Section, any amendment to this Agreement that affects the
rights and obligations of either Trustee will require the consent of the Trustee so affected, such consent not to be unreasonably withheld. 

Section 7.02. Assignment; Benefit of Agreement; Third Party Beneficiaries. 

(a) Assignment. Except as stated in Section 5.04, this Agreement may not be assigned by the Asset Representations Reviewer without
the consent of the Issuer and the Servicer. 
 (b) Benefit of Agreement; Third-Party Beneficiaries. This Agreement is for the benefit
of and will be binding on the parties and their permitted successors and assigns. The Owner Trustee and the Indenture Trustee, for the benefit of the Noteholders, will be third-party beneficiaries of this Agreement and may enforce this Agreement
against the Asset Representations Reviewer and the Servicer. No other Person will have any right or obligation under this Agreement. 

  
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 Section 7.03. Notices. 

(a) Notices to Parties. All notices, requests, demands, consents, waivers or other communications to or from the parties must be in
writing and will be considered given: 
 (i) for overnight mail, on delivery or, for registered first class mail, postage
prepaid, three days after deposit in the mail; 
 (ii) for a fax, when receipt is confirmed by telephone, reply email or
reply fax from the recipient; 
 (iii) for an email, when receipt is confirmed by telephone or reply email from the
recipient; and 
 (iv) for an electronic posting to a password-protected website to which the recipient has access, on
delivery of an email (without the requirement of confirmation of receipt) stating that the electronic posting has occurred. 
 (b) Notice
Addresses. Any notice, request, demand, consent, waiver or other communication will be addressed as stated in Section 10.03 of the Sale and Servicing Agreement or to another address as a party may give by notice to the other parties. 

Section 7.04. GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE
STATE OF NEW YORK, WITHOUT REGARD TO ANY OTHERWISE APPLICABLE PRINCIPLES OF CONFLICTS OF LAWS (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 7.05. Submission to
Jurisdiction. Each party submits to the nonexclusive jurisdiction of the United States District Court for the Southern District of New York and of the courts of the State of New York located in the Borough of Manhattan for legal proceedings
relating to this Agreement. Each party irrevocably waives, to the fullest extent permitted by law, any objection that it may now or in the future have to the venue of a proceeding brought in such a court and any claim that the proceeding has been
brought in an inconvenient forum. 
 Section 7.06. WAIVER OF JURY TRIAL. EACH PARTY IRREVOCABLY WAIVES, TO THE
FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE RIGHT TO TRIAL BY JURY IN LEGAL PROCEEDING RELATING TO THIS AGREEMENT. 

Section 7.07. No Waiver; Remedies. No party’s failure or delay in exercising a power, right or remedy under this Agreement
will operate as a waiver. No single or partial exercise of a power, right or remedy will preclude any other or further exercise of the power, right or remedy or the exercise of any other power, right or remedy. The powers, rights and remedies under
this Agreement are in addition to any powers, rights and remedies under law. 

  
 20 

 Section 7.08. Severability. If a part of this Agreement is held invalid, illegal or
unenforceable, then it will be deemed severable from the remaining Agreement and will not affect the validity, legality or enforceability of the remaining Agreement. 

Section 7.09. Headings. The headings in this Agreement are included for convenience and will not affect the meaning or
interpretation of this Agreement. 
 Section 7.10. Counterparts. This Agreement may be executed in multiple counterparts. Each
counterpart will be an original and all counterparts will together be one document. 

  
 21 

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

			
	CALIFORNIA REPUBLIC AUTO RECEIVABLES TRUST 2016-2
	
	By: WILMINGTON TRUST, NATIONAL ASSOCIATION,
		 	not in its individual capacity,
		 	but solely as Owner Trustee
		
	By:	 	  

	Name:	 	
	Title:	 	
	
	CALIFORNIA REPUBLIC BANK
		
	By:	 	  

	Name:	 	
	Title:	 	
	
	CENTER STREET FINANCE, LP
	
	BY: CSTF, LLC
		 	a Texas limited liability company
		 	and its general partner
		
	By:	 	  

	Name:	 	Steven Burke
	Title:	 	Manager

  
 2016-2 Asset
Representations Review Agreement 

 SCHEDULE A 

REVIEW MATERIALS 
 1. A copy of
the Receivable File that includes the following documents, if applicable: 
  

	 	(a)	The retail installment sale contract or similar document that evidences the Receivable (the “Contract”) 

  

	 	(b)	The following documents related to the Contract (collectively, the “Amendments”): 

  

	 	(i)	Any correction notices to the Contract 

  

	 	(ii)	Any modification agreements completed by the parties to the Contract 

  

	 	(c)	The certificate of title, motor vehicle lien statement, application for title, application for registration for motor vehicle, certificate of origin or manufacturer statement of origin for a vehicle, or other evidence
(including eAtlas reporting for electronic titling states) showing the security interest in the Financed Vehicle (collectively, the “Title Documents”) 

  

	 	(d)	Any ancillary documents for credit insurance, service contracts or other products and services (collectively, the “Ancillary Documents”) 

 

	 	(e)	Military orders 

  

	 	(f)	The credit application 

  

	 	(g)	State specific documents related to the Contract 

 2. Copies of applicable CRB procedures, as of
the date of the Contract, including: 
  

	 	(a)	CRB’s procedure listing approved contract forms as of the date of the Contract (the “List of Approved Contract Forms”) 

 

	 	(b)	CRB’s procedure listing acceptable name variations of CRB (the “List of Acceptable Name Variations”) 

  

	 	(c)	CRB’s procedure listing approved providers and form numbers for service contracts and other products (the “List of Approved Products”) 

 

	 	(d)	CRB’s credit and underwriting guidelines (including exceptions and amendments thereto). 

  
 SA-1 

	 	(e)	CRB’s procedure listing approved Dealers and Dealer Agreements (“List of Approved Dealers”) 

3. A copy of the Agreement to Terms of Assignment (the “Dealer Assignment”) 

4. Applicable screen prints from CRB’s receivables systems 

5. The Schedule of Receivables consisting of an electronic data file containing all of the pertinent fields and information with respect to
each Receivable conveyed pursuant to the basic Documents. 

  
 SA-2 

 SCHEDULE B 

REPRESENTATIONS AND WARRANTIES AND TESTS 

Representation: 
 (a) Good
Title. No Receivable (including the right to receive payments thereunder) has been sold, transferred, assigned, or pledged by the Seller to any Person other than the Purchaser. Immediately prior to the transfer and assignment herein
contemplated, the Seller was the sole owner of and had good and marketable title to the Receivables free and clear of any Lien and had full right and power to transfer and assign the Receivables to the Purchaser and immediately upon the transfer and
assignment of the Receivables to the Purchaser, the Purchaser shall have good and marketable title to the Receivable, free and clear of any Lien and the Purchaser’s interest in the Receivables resulting from the transfer will be as of the
Closing Date perfected under the UCC. 
 Test: Observe the Contract and confirm it was completed electronically or, if completed on paper, confirm the
Dealer’s signature is present as assignor either on the Contract or on a separate form. Observe the Receivable in CRB’s receivables systems as of the end of the month in which the sale and assignment under the Basic Documents takes place
and confirm that the Receivable is marked as sold and the pool number identified matches the pool number for the transaction related to the Basic Documents. 

Representation: 
 (b) No
Assignment. As of the Closing Date, the Seller shall not have taken any action to convey any right to any Person that would result in such Person having a right to payments received under the insurance policies relating to the Financed Vehicles
or Dealer Agreements, or payments due under the Receivables. 
 Test: Review the Receivable File and CRB’s receivables systems to confirm there is
no evidence of the Seller having conveyed rights under the Receivables or the related insurance policies other than the conveyances contemplated by this transaction. 

Representation: 
 (c) Past
Due. As of the Cutoff Date, no Receivable was more than 30 days past due. 
 Test: Review the Schedule of Receivables and CRB’s receivables
systems and confirm was that the Receivable was not notated as being more than 30 days past due as of the Cutoff Date. 

  
 SB-1 

 Representation: 

(d) Characteristics of Receivables. Each Receivable 

(i) was originated by a Dealer in the ordinary course of such Dealer’s business and such Dealer had all necessary licenses
and permits to originate Receivables in the State where it was located; 
 (ii) was duly and properly executed by the parties
thereto, was purchased by the Seller from a Dealer under a Dealer Agreement pursuant to which the Seller acquires Receivables in the ordinary course of business and was validly assigned by such Dealer to the Seller; 

(iii) contains customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate
for realization against the collateral security; 
 (iv) is secured by a Financed Vehicle that, as of the Cutoff Date, has
not been repossessed; 
 (v) is fully amortizing and provides for level monthly payments (provided that the payment in the
first monthly period and the final monthly period of the life of the Receivable may be minimally different from the level payment) which, if made when due shall fully amortize the amount financed over the original term and yield interest at the rate
set forth on the Receivable; 
 (vi) is a fixed rate, simple interest loan; 

(vii) shall provide for, in the event that such Receivable is prepaid, a prepayment that fully pays the principal balance and
includes any accrued and unpaid interest due pursuant to the related contract through the date of prepayment in an amount at least equal to the rate set forth on the Receivable; and 

(viii) has not been amended or collections with respect to which waived, other than as evidenced in the Receivable File related
thereto. 
 Test: Review the Schedule of Receivables, the Contract, the List of Approved Dealers and CRB’s receivables systems to confirm that each
of the characteristics listed in (i) through (viii) above is correct in all material respects. 
 Representation: 

(e) Individual Characteristics. The Receivables have the following individual characteristics as of the Cutoff Date:

 (i) each Receivable has an APR of not less than 1.49% and not more than 21.99%; 

(ii) each Receivable had an original term to maturity of not less than 12 months and not more than 75 months; 

  
 SB-2 

 (iii) each Receivable has a remaining term to maturity, as of the Cutoff Date, of
not less than 4 months and not more than 75 months; 
 (iv) each Receivable has a Cutoff Date Principal Balance of not less
than $1,000 and no more than $95,000; 
 (v) no Obligor as to any Receivable had a non-zero FICO® score of less than 500; and 
 (vi) as of the Cutoff Date, no
Receivable had a scheduled maturity date later than September 14, 2022. 
 Test: Review the Schedule of Receivables, the Contract, the Receivable
File and CRB’s receivables systems to confirm that each of the characteristics listed in (i) through (vi) above is correct in all material respects. 

Representation: 
 (f)
Compliance With Law. All requirements of applicable federal, State and (to the best knowledge of the Seller) local laws and regulations thereunder (including usury laws, the Federal Truth-in-Lending Act, the Equal Credit Opportunity Act, the
Fair Credit Billing Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Federal Trade Commission Act, the Magnuson-Moss Warranty Act, the Federal Reserve Board’s Regulation “M,” the Consumer Financial
Protection Bureau’s Regulations “B” and “Z” applicable to consumer auto finance transactions, State unfair and deceptive practices and state adaptations of the National Consumer Act and of the Uniform Consumer Credit Code
and other consumer credit laws and equal credit opportunity and disclosure laws) in respect of all of the Receivables and the Financed Vehicles, have been complied with in all material respects, and each Receivable and the sale of the related
Financed Vehicle complied at the time it was originated or made and now complies in all material respects with all applicable legal requirements. 

Test: Review the Contract, the Schedule of Receivables, the Receivable File and CRB’s receivables system and confirm (i) the Contract form is on
the List of Approved Contract Forms, (ii) the Contract is properly completed, (iii) the Amount Financed is properly calculated, (iv) the total sales price is properly calculated, (v) the total of payments is properly calculated,
(vi) the APR is properly calculated and (vii) the first payment due date as stated within the “when payments are due” section of the Truth in Lending section of the Contract is within an acceptable timeframe of the Contract Date.

  
 SB-3 

 Representation: 

(g) Origination. Each Receivable was originated in the United States to an Obligor who is a natural person and who is
not an Affiliate of any party to any of the Basic Documents. 
 Test: Review the Contract and confirm (i) such Contract form is on List of Approved
Contract Forms, (ii) the Dealer is located in the United States, (iii) such Contract does not indicate the Obligor is other than a natural person and (iv) the name of the Obligor does not contain any wording to indicate it is a
business, commercial entity or an Affiliate of any party to any of the Basic Documents and use online sources to confirm, if applicable. 

Representation: 
 (h) Binding
Obligation. Each Receivable represents the genuine, legal, valid and binding payment obligation in writing of the related Obligor, enforceable by the holder thereof in all material respects in accordance with its terms, except as enforceability
may be limited by bankruptcy, insolvency, reorganization, moratorium, fraudulent conveyance or similar laws affecting the enforcement of creditors’ rights generally and by equitable limitations on the availability of specific remedies,
regardless of whether such enforceability is considered in a proceeding in equity or at law; and all parties to each Receivable had full legal capacity to exercise and deliver such Receivable and all other documents related thereto and to grant the
security interest purported to be granted thereby. 
 Test: Confirm that the Contract form is on the List of Approved Contract Forms and that the
Contract contains signature(s) in the “borrower” space (and any co-borrower, and/or guarantor space(s), if applicable). 
 Representation:

 (i) No Government Obligor. No Obligor is the United States or any State or any agency, department, subdivision or
instrumentality thereof. 
 Test: Review the buyer section on the Contract and confirm a person’s or business name is reported. If the buyer section
on the Contract does not report a person’s or business name, confirm internet search results do not indicate the buyer to be a government agency, department, political subdivision or instrumentality. 

Representation: 
 (j) Obligor
Bankruptcy. No Receivable is identified in the records of the Servicer as relating to an Obligor who has filed for bankruptcy or is the subject of bankruptcy proceedings as of the Cutoff Date. 

  
 SB-4 

 Test: Review the Receivable File and any applicable servicing notes on CRB’s receivables systems and
confirm there is no indication of pending bankruptcy or insolvency proceedings. 
 Representation: 

(k) Receivable Schedule. The information regarding the Receivables set forth in the Schedule of Receivables is true and
correct in all material respects as of the close of business on the Cutoff Date. 
 Test: Review the Receivable File and confirm each attribute of the
Receivable as reflected in the Schedule of Receivables is accurate is all material respects. 
 Representation: 

(l) Marking Records. By the Closing Date, the Seller will have caused the portions of the electronic ledger relating to
the Receivables to be clearly and unambiguously marked to show that the Receivables have been transferred to the Purchaser or as otherwise required by the Purchaser. 

Test: Review CRB receivables systems to confirm that such books, records and/or systems have been annotated to reflect such transfer of the Receivables.

 Representation: 
 (m)
Chattel Paper. As of the Cutoff Date, (i) the Receivables constitute either “electronic chattel paper” or “tangible chattel paper” as such terms are defined in the relevant UCC, (ii) no more than 10% of the Pool
Balance is represented by Receivables constituting “electronic chattel paper” and (iii) at least 90% of the Pool Balance is represented by Receivables constituting “tangible chattel paper.” 

Test: Review the Receivable Files and the Schedule of Receivables to confirm (i) the Contract form is on the List of Approved Contract Forms,
(ii) the amount financed as reported on the Contract is greater than zero, (iii) there is documentation as of a lien against the financed vehicle; and (iv) that not more than 10% of the Pool Balance is represented by Receivables
constituting “electronic chattel paper.” 
 Representation: 

(n) One Original. There is only one original executed copy of each Receivable. 

Test: Confirm there is a final version of the Contract available for review and that the same contains signatures in the spaces for the buyer(s) and for
the Dealer. 

  
 SB-5 

 Representation: 

(o) Receivable Files Complete. There exists a Receivable File pertaining to each Receivable and such Receivable File
contains each of the documents referred to in the definition of such term in Appendix A of the Sale and Servicing Agreement. Each of such documents which is required to be signed by the Obligor has been signed by the Obligor in the appropriate
spaces. All applicable blanks on any form have been properly filled in and each form has otherwise been correctly prepared. The Receivable File for each Receivable currently is in the possession of the Custodian. 

Test: Review the Receivables File, CRB’s receivables systems and the Custodian’s records to confirm that (i) the Contract is executed by a
party representing itself to be the Obligor listed on such Contract, (ii) that such Contract appears on it its face to have been completed and (iii) that the Custodian’s record reflecting receipt of the related Receivable File does
not indicate any omissions with respect to such Receivable File. 
 Representation: 

(p) Receivables in Force. As of the Cutoff Date, no Receivable has been satisfied, subordinated or rescinded, and the
Financed Vehicle securing each such Receivable has not been released from the lien of the related Receivable in whole or in part; no provisions of any Receivable have been waived, altered or modified in any respect since its origination, except by
instruments or documents identified in the Receivable File; and no Receivable has been modified as a result of application of the Servicemembers Civil Relief Act or the California Military Families Financial Relief Act. 

Test: Review CRB’s receivables systems and the Receivables File (including title documents) and confirm that the Receivables exists on the servicing
system as an active Receivable, that such systems do not reflect any amendment, modifications or notations with respect to Servicemembers Civil Relief Act or the California Military Families Financial Relief Act (or if so, then military orders are
in notated in such systems) and that the title documents show the Seller or an entity listed on the List of Acceptable Name Variations as the first lienholder. 

Representation: 
 (q) Lawful
Assignment. No Receivable was originated in, or is subject to the laws of, any jurisdiction the laws of which would make unlawful, void or voidable the sale, transfer and assignment of such Receivable under this Agreement or to be entered into
by the Purchaser. 

  
 SB-6 

 Test: Review the Contract, the Receivables File and the CRB servicing system and confirm that the Contract was
completed on a form of contract listed on the List of Approved Contract Forms and that such Contract was properly and fully completed by the Dealer. 

Representation: 
 (r)
Composition of Receivable. No Receivable has a Principal Balance which includes capitalized interest, late charges or amounts attributable to the payment of the premium for any insurance policy. 

Test: Review CRB’s receivables systems and the Receivable File and recalculate the Principal Balance based on the original finance amount, the
interest rate and the payments made to date with respect to such Receivable. 
 Representation: 

(s) Security Interest in Financed Vehicle. The Seller has a first priority perfected security interest in all of the
Financed Vehicles securing the Receivables, which security interest is assignable together with such Receivables and has been so assigned to the Purchaser. There are no Liens affecting a Financed Vehicle which are or may be Liens prior or equal to
the lien of the related Receivable. 
 Test: Review the Schedule of Receivables, the Receivable file and CRB’s receivables systems to confirm
(i) the existence of the Receivable, (ii) the Seller or an entity listed on the List of Acceptable Name Variations is listed on the related title documents and (iii) that CRB’s receivables system has no notations or record of
other Liens on the Financed Vehicle or the Receivable. 
 Representation: 

(t) Notations of Security Interest in Financed Vehicle. With respect to each Receivable, (i) if the related
Financed Vehicle is located in a State in which notation of a security interest on the title document is required or permitted to perfect such security interest, the title document shows, or if a new or replacement title document is being applied
for with respect to such Financed Vehicle the title document will be received within 180 days of the date of origination of such Receivable and will show the Seller named as the original secured party under each Receivable as the holder of a first
priority security interest in such Financed Vehicle and (ii) if the related Financed Vehicle is located in a State in which the filing of a financing statement under the UCC is required or permitted to perfect such security interest, such
filings have been duly made and show the Seller named as the secured party. With respect to each Receivable for which the title document has not yet been returned from the applicable registrar of titles, the Seller has (i) received written
evidence from the related Dealer that such title document showing the Seller as first lienholder has been applied for or (ii) applied for such title document showing the Seller as first lienholder. 

  
 SB-7 

 Test: Review the related title and/or title application with respect to each related Receivable to confirm
that the Seller is named as the holder of a first priority perfected security interest, secured party or first lienholder (as applicable) with respect to the Financed Vehicle related to such Receivable. 

Representation: 
 (u) No
Impairment. The Seller has not done anything to convey any right to any Person that would result in such Person having a right to payments due under the Receivable or otherwise to impair the rights of the Purchaser in any Receivable or the
proceeds thereof. 
 Test: Review the Schedule of Receivables and CRB’s receivables system and confirm there is no indication or notation that the
Seller has conveyed any rights with respect to the Receivable other than the conveyance contemplated by this transaction. 
 Representation: 

(v) Receivable Not Assumable. No Receivable is assumable by another Person in a manner which would release the Obligor
thereof from such Obligor’s obligations with respect to such Receivable. 
 Test: Review the Receivable File and confirm the form of Contract is the
List of Approved Contract Forms and the form of Contract contains no express language permitted the related Obligor to assign its obligation thereunder to a third party not listed on the Contract and thereby release such Obligor of its obligations
under the Receivable. 
 Representation: 

(w) No Defenses. No Receivable is subject to any right of rescission, setoff, counterclaim or defense and no such right
has been asserted or threatened with respect to any Receivable. 
 Test: Review the Receivable File and CRB’s receivables systems and confirm there
is no evidence of litigation, other attorney involvement or notice from or on behalf of an Obligor as of the Cutoff Date. 

  
 SB-8 

 Representation: 

(x) No Default. There has been no default, breach, violation or event permitting acceleration under the terms of any
Receivable (other than a current payment delinquency of not more than 30 days as of the Cutoff Date) and no condition exists or event has occurred and is continuing that with notice, the lapse of time or both would constitute a default, breach,
violation or event permitting acceleration under the terms of any Receivable, and there has been no waiver of any of the foregoing. 
 Test: Review
CRB’s receivables systems (including any transactions histories and collection notes therein) related to such Receivable and confirm that is no indication of any default or breach of such Receivable. 

Representation: 
 (y)
Insurance. Each Receivable requires the related Obligor to maintain a comprehensive and collision insurance policy (i) in an amount at least equal to the lesser of (A) its maximum insurable value or (B) the Principal Balance
due from the Obligor under the related Receivable, (ii) naming the Seller as loss payee and (iii) insuring against loss and damage due to fire, theft, transportation, collision and other risks generally covered by comprehensive and
collision coverage. Each Receivable requires the Obligor to maintain physical loss and damage insurance, naming the Seller and its successors and assigns as additional insured parties and each Receivable permits, but does not require, the holder
thereof to obtain physical loss and damage insurance at the expense of the Obligor if the Obligor fails to do so. No Receivable was subject to force-placed insurance as of the Cutoff Date. 

Test: Review Schedule of Receivables, CRB’s receivables system and the Contract to confirm the Contract contains language that required the Obligor to
obtain and maintain insurance against physical damage to the Financed Vehicle in the amounts and per the terms specified above. 
 Representation: 

(z) Paid Ahead. As of the Cutoff Date, any amounts paid ahead on the Receivables have been applied to the Principal
Balance of the Receivables, as reflected in the Schedule of Receivables. 
 Test: Review the Schedule of Receivables and CRB’s receivables systems
with respect to such Receivable and recalculate the Principal Balance after taking into account all payments received with respect to such Receivable. 

  
 SB-9 

 Representation: 

(aa) Interest Payable. With respect to each Receivable, interest will be charged and payable on the Principal Balance of
the Receivable since the date of the last payment on the Receivable (and in all cases will be charged since the Cutoff Date). 
 Test: Review the
Schedule of Receivables and CRB’s receivables systems, recalculate the amortization of such Receivable and confirm that all payments with respect to interest and principal have been accurately allocated as per the Contract form. 

Representation: 
 (bb)
Underwriting Guidelines. Each Receivable has been originated in accordance with the Seller’s underwriting guidelines. 
 Test: Review the
Schedule of Receivables, the Receivable File, CRB’s receivables systems and CRB’s policies and procedures with respect to the origination of new contracts as in effect as of the related Contract Date (including policies related to
permitted exceptions thereto) and confirm the terms and conditions expressed with respect to such receivable are in accordance with such policies and procedures (including permitted exceptions thereto). 

Representation: 
 (cc)
Geographic. No Receivable was originated by a Dealer located in any State other than California, Arizona, Texas, Nevada, Kansas, Missouri, Illinois, Oklahoma or Washington. 

Test: Review each Contract and confirm that the related Dealer lists its place of business address as any of the States of California, Arizona, Texas,
Nevada, Kansas, Missouri, Illinois, Oklahoma or Washington. 

  
 SB-10EX-10.1

 Exhibit 10.1 

EXECUTION VERSION 
 AMENDMENT
No. 1, dated as of June 9, 2016 (this “Amendment”) among WESTERN DIGITAL CORPORATION, a Delaware corporation (the “Parent”), WESTERN DIGITAL TECHNOLOGIES, INC., a Delaware corporation (the
“Borrower”), J.P. MORGAN CHASE BANK, N.A., as Administrative Agent (the “Administrative Agent”), each other LOAN PARTY party hereto and the LENDERS party to the Bridge Loan Agreement dated as of May 12, 2016
(as further amended, restated, modified and supplemented from time to time, the “Bridge Loan Agreement”), among the Parent, the Borrower, the Lenders and the Administrative Agent. Capitalized terms used and not otherwise defined
herein shall have the meanings assigned to such terms in the Bridge Loan Agreement. 
 WHEREAS, the Borrower desires to amend the Bridge
Loan Agreement to extend the Final Maturity Date on the terms set forth herein; 
 WHEREAS, Section 10.11(a)(A) of the Bridge Loan
Agreement provides that the Borrower, the Parent and the Administrative Agent may make certain amendments to the Bridge Loan Agreement with the consent of each Lender; 

NOW, THEREFORE, in consideration of the premises contained herein and for other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, the parties hereto, intending to be legally bound hereby, agree as follows: 
 Section 1.
Amendment. Effective as of the Amendment No. 1 Effective Date (as defined below), Section 2.7 of the Bridge Loan Agreement is hereby amended by replacing the reference to “forty-five (45) days” with
“seventy-five (75) days”. 
 Section 2. Representations and Warranties, No Default. In order to induce
the Lenders to enter into this Amendment and to amend the Bridge Loan Agreement in the manner provided herein, each of Parent and the Borrower hereby certifies to each Lender that: 

 

	 	a)	At the time of and immediately after giving effect to this Amendment, each of the representations and warranties set forth in the Bridge Loan Agreement are true and correct in all material respects (or in all respects,
if qualified by a materiality threshold) as of the Amendment No. 1 Effective Date, except to the extent the same expressly relate to an earlier date; and 

  

	 	b)	At the time of and immediately after giving effect to this Amendment, no Default or Event of Default has occurred and is continuing. 

Section 3. Effectiveness. This Amendment shall become effective on the date (the “Amendment No. 1 Effective
Date”) on which the Administrative Agent shall have received counterparts of this Amendment executed by the Borrower, the Parent, each Lender and the Administrative Agent. 

Section 4. Counterparts. This Amendment may be executed in any number of counterparts and by different parties hereto in
separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute but one and the same agreement. Delivery of an executed counterpart of a signature page to this

 
Amendment by telecopier or other electronic transmission shall be effective as delivery of a manually executed counterpart of this Amendment. 

Section 5. Applicable Law. THIS AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT AND
THE RIGHTS AND OBLIGATIONS OF THE PARTIES UNDER THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. SECTION 10.22 OF THE BRIDGE LOAN AGREEMENT IS HEREBY INCORPORATED BY REFERENCE
INTO THIS AMENDMENT AND SHALL APPLY HERETO. 
 Section 6. Headings. Section and Subsection headings in this
Amendment are included herein for convenience of reference only and shall not constitute a part of this Amendment for any other purpose or be given any substantive effect. 

Section 7. Effect of Amendment. Except as expressly set forth herein, (i) this Amendment shall not by implication or
otherwise limit, impair, constitute a waiver of or otherwise affect the rights and remedies of the Lenders, the Administrative Agent or any other Agent, in each case under the Bridge Loan Agreement or any other Loan Document, and (ii) shall not
alter, modify, amend or in any way affect any of the terms, conditions, obligations, covenants or agreements contained in the Bridge Loan Agreement or any other provision of either such agreement or any other Loan Document. Each and every term,
condition, obligation, covenant and agreement contained in the Bridge Loan Agreement or any other Loan Document is hereby ratified and re-affirmed in all respects and shall continue in full force and effect. Each Loan Party reaffirms its obligations
under the Loan Documents to which it is party and the validity of any Liens granted by it pursuant to the Security Documents. This Amendment shall constitute a Loan Document for purposes of the Bridge Loan Agreement and from and after the Amendment
No. 1 Effective Date, all references to the Bridge Loan Agreement in any Loan Document and all references in the Bridge Loan Agreement to “this Agreement”, “hereunder”, “hereof” or words of like import referring to
the Bridge Loan Agreement, shall, unless expressly provided otherwise, refer to the Bridge Loan Agreement as amended by this Amendment. Each Loan Party hereby consents to this Amendment and confirms that all its obligations under the Loan Documents
to which it is a party shall continue to apply to the Bridge Loan Agreement as amended hereby. 
 Section 8. Amendment,
Modification and Waiver. This Amendment may not be amended, modified or waived except pursuant to a writing signed by each of the parties hereto. 

Section 9. Entire Agreement. This Amendment, the Bridge Loan Agreement and the other Loan Documents constitute the entire
agreement among the parties hereto with respect to the subject matter hereof and thereof and supersede all other prior agreements and understandings, both written and verbal, among the parties hereto with respect to the subject matter hereof. 

  
 2 

 Section 10. Severability. If any provision of this Amendment is held to be
illegal, invalid or unenforceable, the legality, validity and enforceability of the remaining provisions of this Amendment shall not be affected or impaired thereby. The invalidity of a provision in a particular jurisdiction shall not invalidate or
render unenforceable such provision in any other jurisdiction. 
 [The remainder of this page is intentionally left blank]

  
 3 

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

			
	WESTERN DIGITAL TECHNOLOGIES, INC., as Borrower
		
	By:	 	 /s/ Michael C. Ray

	Name:	 	Michael C. Ray
	Title:	 	Executive Vice President, Chief
		 	Legal Officer and Secretary

  
 [Signature Page to
Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	
	HGST, INC.
	WD MEDIA, LLC
		
	By:	 	 /s/ Michael C. Ray

	Name:	 	Michael C. Ray
	Title:	 	Secretary
	
	WESTERN DIGITAL (FREMONT), LLC
		
	By:	 	 /s/ Michael C. Ray

	Name:	 	Michael C. Ray
	Title:	 	Vice President and Secretary

  
 [Signature Page to
Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	
	SANDISK TECHNOLOGIES, INC.
		
	By:	 	 /s/ Michael C. Ray

	Name:	 	Michael C. Ray
	Title:	 	Secretary

  
 [Signature Page to
Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	WESTERN DIGITAL CORPORATION, as Parent
		
	By:	 	 /s/ Olivier Leonetti

	Name:	 	Olivier Leonetti
	Title:	 	Chief Financial Officer

  
 [Signature Page to
Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	JPMORGAN CHASE BANK, N.A., as Lender
		
	By:	 	 /s/ Timothy D. Lee

	Name:	 	Timothy D. Lee
	Title:	 	Vice President

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	Bank of America, N.A., as Lender
		
	By:	 	 /s/ My-Linh Yoshiike

	Name:	 	My-Linh Yoshiike
	Title:	 	Vice President

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, as Lender
		
	By:	 	 /s/ Bill O’Daly

	Name:	 	BILL O’DALY
	Title:	 	AUTHORIZED SIGNATORY
		
	By:	 	 /s/ Max Wallins

	Name:	 	Max Wallins
	Title:	 	Authorized Signatory

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	ROYAL BANK OF CANADA, as Lender
		
	By:	 	 /s/ Sheldon Pinto

	Name:	 	Sheldon Pinto
	Title:	 	Authorized Signatory

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	Mizuho Bank, Ltd., as Lender
		
	By:	 	 /s/ Daniel Guevara

	Name:	 	Daniel Guevara
	Title:	 	Authorized Signatory

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., as Lender
		
	By:	 	 /s/ Lillian Kim

	Name:	 	Lillian Kim
	Title:	 	Director

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	HSBC BANK USA N.A., as Lender
		
	By:	 	 /s/ Jad Atallah

	Name:	 	Jad Atallah
	Title:	 	Director

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

			
	Sumitomo Mitsui Banking Corporation, as Lender
		
	By:	 	 /s/ Katsuyuki Kubo

		 	Katsuyuki Kubo
		 	Managing Director

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	COMPASS BANK d/b/a BBVA COMPASS, as Lender
		
	By:	 	 /s/ Raj Nambiar

	Name:	 	Raj Nambiar
	Title:	 	Sr. Vice President

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	THE BANK OF NOVA SCOTIA, as Lender
		
	By:	 	 /s/ Diane Emanuel

	Name:	 	Diane Emanuel
	Title:	 	Managing Director

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	BNP Paribas, as Lender
		
	By:	 	 /s/ Nicolas Rabier

	Name:	 	Nicolas Rabier
	Title:	 	Managing Director
		
	By:	 	 /s/ Gregoire Poussard

	Name:	 	Gregoire Poussard
	Title:	 	Vice President

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	TD Bank N.A., as Lender
		
	By:	 	 /s/ Matt Waszmer

	Name:	 	Matt Waszmer
	Title:	 	Senior Vice President

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

			
	U.S. BANK NATIONAL ASSOCIATION, as Lender
		
	By:	 	 /s/ Brian Seipke

	Name:	 	BRIAN SEIPKE
	Title:	 	VICE PRESIDENT

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	SunTrust Bank, as Lender
		
	By:	 	 /s/ David J. Sharp

	Name:	 	David J. Sharp
	Title:	 	Vice President

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

			
	Fifth Third Bank, as Lender
		
	By:	 	 /s/ Suzanne M. Rode

	Name:	 	Suzanne Rode
	Title:	 	Managing Director

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	Standard Chartered Bank, as Lender
		
	By:	 	 /s/ Steven Aloupis

	Name:	 	Steven Aloupis
	Title:	 	Managing Director
		 	 Loan Syndications
 Standard Chartered
Bank

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement] 

 
			
	 JPMORGAN CHASE BANK, N.A.

	 as Administrative Agent

		
	By:	 	 /s/ Timothy D. Lee

	Name:	 	Timothy D. Lee
	Title:	 	Vice President

 [Signature Page to Amendment No. 1 to Western Digital Bridge Loan Agreement]

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