OTHER INFORMATION
−Removed: During the quarter ended March 31, 2025, there were no Rule 10b5‑1 trading arrangements (as defined in Item 408(a) of Regulation S‑K) or non‑Rule 10b5‑1 trading arrangements (as defined in Item 408(c) of Regulation S‑K) adopted or terminated by any director or officer (as defined in Rule 16a‑1(f) under the Exchange Act) of Credit Acceptance Corporation.
−Removed: Indenture, dated as of February 28, 2025, among the Company, the Guarantors named therein, and U.S.
−Removed: Bank Trust Company, National Association, as trustee (incorporated by reference to Exhibit 4.145 to the Company's Current Report on Form 8-K filed February 28, 2025)
−Removed: Indenture, dated as of March 27, 2025, between Credit Acceptance Auto Loan Trust 2025-1 and Computershare Trust Company, N.A.
−Removed: (incorporated by reference to Exhibit 4.146 to the Company’s Current Report on Form 8-K filed April 2, 2025).
−Removed: Backup Servicing Agreement, dated as of March 27, 2025, among the Company, Credit Acceptance Funding LLC 2025-1, Credit Acceptance Auto Loan Trust 2025-1, and Computershare Trust Company, N.A.
−Removed: (incorporated by reference to Exhibit 4.147 to the Company’s Current Report on Form 8-K filed April 2, 2025).
−Removed: Amended and Restated Intercreditor Agreement, dated March 27, 2025, among the Company, CAC Warehouse Funding LLC II, CAC Warehouse Funding LLC IV, CAC Warehouse Funding LLC V, CAC Warehouse Funding LLC VI, CAC Warehouse Funding LLC VIII, Credit Acceptance Funding LLC 2025 1, Credit Acceptance Funding LLC 2024-B, Credit Acceptance Funding LLC 2024-3, Credit Acceptance Funding LLC 2024-2, Credit Acceptance Funding LLC 2024-1, Credit Acceptance Funding LLC 2024-A, Credit Acceptance Funding LLC 2023-5, Credit Acceptance Funding LLC 2023-A, Credit Acceptance Funding LLC 2023-3, Credit Acceptance Funding LLC 2023-2, Credit Acceptance Funding LLC 2023-1, Credit Acceptance Funding LLC 2022-3, Credit Acceptance Funding LLC 2022-2, Credit Acceptance Funding LLC 2022-1, Credit Acceptance Funding LLC 2021-4, Credit Acceptance Funding LLC 2021-1, Credit Acceptance Funding LLC 2019-2, Credit Acceptance Auto Loan Trust 2025 1, Credit Acceptance Auto Loan Trust 2024-3, Credit Acceptance Auto Loan Trust 2024-2, Credit Acceptance Auto Loan Trust 2024-1, Credit Acceptance Auto Loan Trust 2024-A, Credit Acceptance Auto Loan Trust 2023-5, Credit Acceptance Auto Loan Trust 2023-3, Credit Acceptance Auto Loan Trust 2023-2, Credit Acceptance Auto Loan Trust 2023-1, Credit Acceptance Auto Loan Trust 2022-3, Credit Acceptance Auto Loan Trust 2022-1, Credit Acceptance Auto Loan Trust 2021-4, Computershare Trust Company, N.A., Bank of Montreal, Fifth Third Bank, National Association, Flagstar Bank, National Association, Citizens Bank, N.A., and Comerica Bank (incorporated by reference to Exhibit 4.148 to the Company’s Current Report on Form 8-K filed April 2, 2025).
−Removed: Sale And Contribution Agreement, dated as of March 27, 2025, between the Company and Credit Acceptance Funding LLC 2025-1 (incorporated by reference to Exhibit 4.149 to the Company’s Current Report on Form 8-K filed April 2, 2025).
−Removed: Amended And Restated Trust Agreement, dated as of March 27, 2025, among Credit Acceptance Funding LLC 2025-1, each of the initial members of the Board of Trustees of the Trust, and Computershare Delaware Trust Company (incorporated by reference to Exhibit 4.150 to the Company’s Current Report on Form 8-K filed April 2, 2025).
−Removed: Sale and Servicing Agreement, dated as of March 27, 2025, among the Company, Credit Acceptance Auto Loan Trust 2025-1, Credit Acceptance Funding LLC 2025-1, and Computershare Trust Company, N.A.
−Removed: (incorporated by reference to Exhibit 4.151 to the Company’s Current Report on Form 8-K filed April 2, 2025).
−Removed: Indenture, dated as of December 19, 2023, among the Company, the Guarantors named therein and U.S.
−Removed: Bank Trust Company, National Association, as trustee (the “2028 Notes Indenture”) (incorporated by reference to Exhibit 4.142 to the Company’s Current Report on Form 8-K filed December 19, 2023).
−Removed: First Supplemental Indenture, dated as of February 28, 2025, among the Company, the Guarantors named therein, and U.S.
−Removed: Bank Trust Company, National Association, as trustee, relating to the 2028 Notes Indenture.
−Removed: Fourth Amendment to Loan and Security Agreement, dated as of August 18, 2022, among the Company, CAC Warehouse Funding LLC VI and Flagstar Bank, N.A.
−Removed: (successor by conversion to Flagstar Bank, fsb).
−Removed: Form of Restricted Stock Unit Award Agreement*
+Added: During the quarter ended June 30, 2025, there were no Rule 10b5‑1 trading arrangements (as defined in Item 408(a) of Regulation S‑K) or non‑Rule 10b5‑1 trading arrangements (as defined in Item 408(c) of Regulation S‑K) adopted or terminated by any director or officer (as defined in Rule 16a‑1(f) under the Exchange Act) of Credit Acceptance Corporation.
+Added: Fourteenth Amendment to Sixth Amended and Restated Credit Agreement, dated as of June 24, 2025, among the Company, Comerica Bank and the other banks signatory thereto and Comerica Bank, as administrative agent for the banks (incorporated by reference to Exhibit 4.155 to the Company’s Current Report on Form 8-K filed June 30, 2025).
+Added: Seventh Amendment to Loan and Security Agreement, dated as of July 11, 2025, among the Company, among CAC Warehouse Funding LLC VI and Flagstar Bank, N.A.
+Added: (incorporated by reference to Exhibit 4.156 to the Company’s Current Report on Form 8-K filed July 16, 2025).
Certification of principal executive officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
15 unchanged sentences
(Principal Financial Officer)
−Removed: April 30, 2025
+Added: July 31, 2025
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.