This Third Amendment modifies certain provisions of the Credit Agreement to, among other things, (i) increase the Lenders’ loan commitment under the Credit Agreement by $150,000,000, (ii) reduce the interest rate and (iii) extend the maturity date. As a result of the Third Amendment, the Lenders’ aggregate loan commitment under the Credit Agreement increased to $750,000,000 of revolving credit loans to finance the Company’s purchase of new and used vehicle inventory for sale by the Company and to finance the Company’s working capital needs. The revolving credit loans consist of $640,000,000 of Revolving A Loans and $110,000,000 of Revolving B Loans; however, the Revolving B Loans cannot be made unless there is no more availability for Revolving A Loans. Loans to purchase used inventory are limited to $150,000,000. Borrowings under the Credit Agreement will now bear interest per annum, payable monthly, at the three month LIBOR rate, determined on the last day of the prior month, plus 2.03%. In addition, the Company must pay to the Lenders a monthly working capital fee equal to 0.35% per annum multiplied by the amount of voluntary prepayments of new and used inventory loans. Pursuant to the Third Amendment, the Credit Agreement now expires July 11, 2016, although GE Capital has the right to terminate the Credit Agreement at any time upon 120 days written notice. The Company may terminate the Credit Agreement at any time, although if it does so it must pay the Lenders a prepayment processing fee of (i) $15,000,000 if it terminates on or prior January 11, 2015, (ii) $7,500,000 if it terminates after January 11, 2015 but on or prior to July 11, 2015 and (iii) $300,000 if it terminates thereafter, subject in each case to specified limited exceptions.