OTHER INFORMATION
−Removed: 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.
−Removed: 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).
−Removed: 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: During the quarter ended September 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, except for the following Rule 10b5-1 trading arrangements, each of which is intended to satisfy the affirmative defense of Rule 10b5‑1(c), that were adopted during such quarter:
+Added: Name and Title of Director or Officer Date of Adoption of Trading Arrangement Aggregate Number of Securities to be Sold Pursuant to the Trading Arrangement Expiration Date of the Trading Arrangement (1)
+Added: Chief Executive Officer and President;
+Added: 8/15/2025 Up to 20,000 shares of common stock underlying employee stock options 11/2/2026
+Added: Chief Alignment Officer
+Added: 8/21/2025 Up to 13,950 shares of common stock underlying employee stock options 12/30/2026
+Added: Chief Legal Officer
+Added: 8/18/2025 Up to 24,625 shares of common stock underlying employee stock options 6/28/2027
+Added: Chief Operating Officer
+Added: 9/4/2025 Up to 18,000 shares of common stock underlying employee stock options 10/30/2026
+Added: Chief Financial Officer
+Added: 8/13/2025 Up to 12,000 shares of common stock underlying employee stock options 11/2/2026
+Added: Chief Technology Officer
+Added: 9/24/2025 Up to 3,147 shares of common stock underlying employee restricted stock units (2) 9/22/2026
+Added: Chief Marketing and Product Officer
+Added: 8/26/2025 Up to 1,606 shares of common stock underlying employee restricted stock units (2) 12/30/2025
+Added: Chief People Officer
+Added: 8/13/2025 Up to 17,500 shares of common stock underlying employee stock options 11/2/2026
+Added: Chief Sales Officer
+Added: 8/8/2025 Up to 20,000 shares of common stock underlying employee stock options 8/4/2026
+Added: (1) The trading arrangement permits transactions through and including the earlier of (i) the expiration date indicated and (ii) the date when all shares subject to the trading arrangement have been sold.
+Added: (2) The aggregate number of shares to be sold will be reduced by the number of shares released to us as payment of tax withholdings upon the vesting of restricted stock units and the settlement of restricted stock units in shares of common stock.
+Added: Seventh Amendment to Loan and Security Agreement, dated as of July 11, 2025, among the Company, CAC Warehouse Funding LLC VI, and Flagstar Bank, N.A.
(incorporated by reference to Exhibit 4.156 to the Company’s Current Report on Form 8-K filed July 16, 2025).
+Added: Sixth Amendment to Amended and Restated Loan and Security Agreement, dated as of July 30, 2025, among the Company, CAC Warehouse Funding LLC IV, Bank of Montreal, BMO Capital Markets Corp., and Computershare Trust Company, N.A.
+Added: (incorporated by reference to Exhibit 4.157 to the Company’s Current Report on Form 8-K filed August 4, 2025).
+Added: Fourth Amendment to Loan and Security Agreement, dated as of September 19, 2025, among the Company, CAC Warehouse Funding LLC VIII, Citizens Bank, N.A., and Computershare Trust Company, N.A.
+Added: (incorporated by reference to Exhibit 4.158 to the Company’s Current Report on Form 8-K filed September 24, 2025).
Certification of principal executive officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
15 unchanged sentences
(Principal Financial Officer)
−Removed: July 31, 2025
+Added: October 30, 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.