*Certain conditions apply. All rights reserved. Promotion terms are 60 days for $60 plus interest on the total financed amount which shall accrue on all eligible purchases at the Base Rate (as defined in your Demand Promissory Note and Loan and Security Agreement (your “Note”)) plus 5% (this combined rate is the “Promotional Rate”) on the total financed amount from the date of purchase. NextGear Capital’s Promotional Rate may vary from your contracted interest rate pursuant to your Note. Promotion applies to dealer’s floor plan fee, term, principal reduction percentage and interest only. All other charges and terms pursuant to your Note and any other agreement with NextGear Capital apply, including, but not limited to, specific source fees and records fees. At the end of the 60th day, each eligible approved and funded inventory advance floor planned during the promotion period will be rolled over to a second term, consisting of 30 days, upon dealer’s payment of 0.01% principal reduction, accrued interest, fees and charges, for an additional $45.00 fee, interest at the Promotional Rate, fees and charges. At the end of the 90th day, each eligible approved and funded inventory advance floor planned during the promotion period will be rolled over to a third term, consisting of 30 days, upon dealer’s payment of 0.01% principal reduction, accrued interest, fees and charges, for an additional $45.00 fee, interest at the Promotional Rate, fees and charges. At the end of the 120th day, dealer may request and NextGear Capital may, in its sole discretion, for each eligible approved and funded inventory advance floor planned during the promotion period, grant an extension for an additional 30 days, upon dealer’s payment of 0.01% principal reduction, accrued interest, fees and charges, for an additional $45.00 fee, interest at the Promotional Rate, fees and charges. An approved and funded inventory advance will not be eligible to be rolled over if a Maturity Date (as defined in your Note) for such advance has been accelerated as a result of a Maturity Event (as defined in your Note) or a declaration of an Event of Default (as defined in your Note). Promotion available only for purchases made, by a NextGear Capital, Inc. (“NextGear Capital”) contracted dealer at a CARMAX auction using their retail or wholesale line(s) of credit with NextGear Capital only, on or after August 3, 2020 until close of business on August 31, 2020 that are contemporaneously floor planned with NextGear Capital. Promotion available for CARMAX auction purchases only, and only for purchases equal to or less than $10,000 per unit (which would include the purchase price and the corresponding purchase fees and costs). Promotion available only for dealers in good standing with NextGear Capital and CarMax Auctions with available retail or wholesale credit available solely from NextGear Capital and originated from the Discover System, to be eligible for incentive. NOTWITHSTANDING ANYTHING HEREIN TO THE CONTRARY PROMOTION IS NOT AVAILABLE TO SOUTH DAKOTA, CANADIAN OR NEW YORK DEALERS. To the extent an eligible purchase is otherwise eligible for another NextGear Capital incentive (promotion or event sale), these terms shall apply. This offer has no cash value and cannot be combined with any other offer. NextGear Capital reserves the right to modify or terminate this offer at any time without notice. Except as otherwise provided herein, all advances are subject to the Terms and Conditions of your Note with NextGear Capital. Please see your local NextGear Capital representative for complete details. All advances made in California by NextGear Capital are made pursuant to NextGear Capital’s California Finance Lender License #603G505. To opt out of this offer, please visit http://www. nextgearcapital.com/opt-out and provide the information requested within 5 business days of the event sale date.