[1] Certain conditions apply. All rights reserved. Flex Pricing is available only to eligible dealers with retail, wholesale, salvage, or heavy truck lines of credit with NextGear Capital. First Gear is available only for dealers who have been in the automotive business for 12consecutive calendar months or less. Eligibility is in NextGear Capital’s sole discretion. Dealers must have signed the appropriate Advance Schedule(s) to receive this offering. For Flex Pricing, any deferred principal reduction payments and accrued Floorplan Advance related fees would be deferred until unit sells or the end of the last scheduled Period (excluding Extensions), whichever is earlier, and would be available on eligible Advances on vehicles purchased at Manheim auctions only. Dealers should refer to the terms and conditions of their Demand Promissory Note and Loan and Security Agreement (“Note”), the applicable Advance Schedule (defined in the Note) and any other written agreements with NextGear Capital, for complete details, terms and conditions. NextGear Capital reserves the right to modify or terminate these offerings at any time. This offer has no cash value. Notwithstanding anything herein to the contrary, neither First Gear nor Flex Pricing is available to New York or South Dakota dealers, nor is First Gear available to Rhode Island dealers. All advances made in California by NextGear Capital are made pursuant to NextGear Capital’s California Finance Lender License, #603G505.</p.