Hardware Financing Schedule

Last updated: June 8, 2026

This Hardware Financing Schedule (the "Schedule") is a working draft template that, once finalized and executed by counsel, would be incorporated into and governed by the VETRA Order Form and Subscription Agreement (the "Subscription Agreement") between Vetra, LLC ("VETRA," "we," "us") and the subscribing auto repair business ("Client," "you"). It applies only when a Client elects to acquire equipment through VETRA's equipment financing program and signs a finalized version of this Schedule as part of an equipment order. Capitalized terms not defined here have the meaning given in the Subscription Agreement. If this Schedule conflicts with the Subscription Agreement on an equipment matter, this Schedule controls.

1. What this program is (and is not)

• You buy and own the equipment. This is an equipment purchase financed over time — not a lease, not a rental, and not an "equipment-as-a-service" arrangement. At no point does VETRA or any lender retain ownership of the equipment as a leasing party; title passes to you as the purchaser, subject to any lender security interest described in Section 4.
• VETRA is the vendor, not a lender. VETRA sources and sells the equipment and helps arrange financing. VETRA does not lend money, is not a party to your financing agreement, and does not service your loan. Your repayment obligation runs to the third-party lender, not to VETRA.
• No markup. VETRA does not mark the equipment up above the manufacturer's suggested retail price (MSRP). The amount you finance is the MSRP of the equipment you select.
• Active subscription required. Eligibility for this program requires an active, paid VETRA subscription under the Subscription Agreement for the duration described in your financing agreement.

2. The lenders

• Financing is provided by independent third-party lenders. VETRA's primary lender is GreatAmerica Financial Services Corporation. Clients who are not approved by the primary lender may be offered financing through one or more second-tier lending partners.
• All financing is subject to credit approval by the applicable lender. VETRA does not approve, decline, or set the terms of any financing; the lender does.
• If you apply and are not approved by the primary lender, your application may, with your consent, be submitted to a second-tier lending partner. Approval, rate, and terms from any lender are determined solely by that lender.

3. Rates, terms, and the 0% APR program

• 0% APR is available on the first financed unit for Clients approved by the primary lender, subject to credit approval. Where 0% APR applies, VETRA buys down the financing rate; the buydown cost is borne by VETRA, not added to your financed amount.
• Additional units, and Clients not approved for the 0% program, may qualify for financing at standard market rates set by the applicable lender. Standard-rate financing is not 0% APR.
• Available terms are typically 24, 36, or 60 months, with $0 down for qualified Clients. Down payment, if any, term length, and the monthly payment are set by the lender based on the financed amount and your credit profile.
• The specific equipment, MSRP/financed amount, lender, APR, term, down payment, and monthly payment for your transaction are set out in the equipment order and the lender's financing agreement you sign for that transaction. Those documents control the commercial terms of your purchase.

4. Title, security interest, and risk of loss

• You acquire ownership of the equipment as the purchaser. The lender may hold a purchase-money security interest in the equipment until the financed amount is paid in full; that security interest is described in, and governed by, your financing agreement with the lender.
• Risk of loss passes to you upon delivery and acceptance of the equipment. You are responsible for insuring, maintaining, and safeguarding the equipment as required by your financing agreement, and for naming VETRA as an additional insured on that coverage upon request.

5. Delivery, installation, and acceptance

• Delivery, and any installation or calibration where applicable, will be arranged as described in your equipment order. Estimated delivery dates are estimates, not guarantees.
• You are responsible for inspecting the equipment on delivery and reporting any visible damage or shortage promptly. Acceptance occurs upon delivery unless you report a documented defect within the period stated in your equipment order.

6. Warranties

• Manufacturer warranty only. Equipment is covered by the original manufacturer's warranty, if any. VETRA passes through, but does not provide, manufacturer warranties.
• VETRA disclaims all other warranties on the equipment, express or implied, including merchantability and fitness for a particular purpose, except as required by law. VETRA is not responsible for equipment defects, performance, or service, which are matters between you and the manufacturer.
• Equipment is provided AS-IS. VETRA is not responsible for the installation, calibration accuracy, operation, maintenance, or safe use of the equipment, or for any injury, death, or property damage arising from its installation, operation, use, or maintenance.

7. Payments, default, and cancellation

• Your obligation to make payments runs to the lender under your financing agreement. Missed or late payments, default, and remedies are governed by that agreement, not by VETRA.
• Cancellation, prepayment, and early-payoff terms are set by the lender and stated in your financing agreement. A financed equipment purchase is a binding obligation to the lender and is independent of your VETRA software subscription's cancellation terms.
• Cancelling your VETRA software subscription does not cancel or accelerate your equipment financing, and paying off your equipment financing does not cancel your software subscription, except as the respective agreements provide.

8. Disclaimers and limitation of liability

• VETRA does not provide financial, tax, or legal advice regarding equipment financing. You should evaluate any financing on your own or with your advisors.
• VETRA's role is limited to acting as the equipment vendor and arranging an introduction to a lender. VETRA is not liable for a lender's decision to approve or decline financing, the rate or terms a lender offers, or a lender's servicing of your financing.
• To the extent permitted by law, VETRA's aggregate liability arising from an equipment transaction will not exceed the amount VETRA received as vendor margin on that transaction.
• You will indemnify, defend, and hold harmless VETRA from any third-party claim — including claims by your employees, technicians, customers, or other persons — arising from the installation, operation, use, condition, or maintenance of the equipment.

9. Relationship to the Subscription Agreement

This Schedule supplements the Subscription Agreement and applies only to equipment financed through VETRA. The Subscription Agreement's general terms — governing law (Tennessee), dispute resolution, notices, electronic signatures, assignment, and miscellaneous provisions — apply to this Schedule. Each financed equipment transaction is further documented by an equipment order and the lender's financing agreement signed for that transaction.