OTHER INFORMATION
−Removed: During the quarter ended March 31, 2026, 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 arrangement, which was intended to satisfy the affirmative defense of Rule 10b5‑1(c) and was terminated during such quarter:
−Removed: Name and Title of Director or Officer Action Date Aggregate Number of Securities to be Sold Pursuant to the Trading Arrangement Expiration Date of the Trading Arrangement
−Removed: Former Chief Sales Officer
−Removed: Termination 02/26/2026 N/A (1) N/A (1)
−Removed: (1) On February 26, 2026, Mr.
−Removed: Ulatowski terminated the trading arrangement he had adopted on August 8, 2025.
−Removed: The trading arrangement, which had an expiration date of August 4, 2026, provided for the sale of up to 20,000 shares of common stock underlying employee stock options through and including the earlier of such expiration date and the date when all shares subject to the trading arrangement had been sold.
−Removed: Ulatowski retired from the Company effective February 1, 2026.
−Removed: Sixth Amendment to Loan and Security Agreement and First Amendment to Backup Servicing Agreement, dated as of January 15, 2026, among the Company, Credit Acceptance Funding LLC 2021-1, and Fifth Third Bank, National Association (incorporated by reference to Exhibit 4.165 to the Company’s Current Report on Form 8-K filed on January 20, 2026).
−Removed: Separation and Advisory Agreement, dated February 9, 2026, between the Company and Arthur Smith (incorporated by reference to Exhibit 10.27 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025).*
−Removed: Separation and Advisory Agreement, dated February 9, 2026, between the Company and Daniel Ulatowski (incorporated by reference to Exhibit 10.28 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025).*
+Added: During the quarter ended June 30, 2026, 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: Indenture, dated as of May 5, 2026, between Credit Acceptance Auto Loan Trust 2026-1 and Computershare Trust Company, N.A.
+Added: (incorporated by reference to Exhibit 4.141 to the Company’s Current Report on Form 8-K filed on May 11, 2026).
+Added: Backup Servicing Agreement, dated as of May 5, 2026, among the Company, Credit Acceptance Funding LLC 2026-1, Credit Acceptance Auto Loan Trust 2026-1, and Computershare Trust Company, N.A.
+Added: (incorporated by reference to Exhibit 4.142 to the Company’s Current Report on Form 8-K filed on May 11, 2026).
+Added: Amended and Restated Intercreditor Agreement, dated May 5, 2026, 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 2026-1, Credit Acceptance Funding LLC 2025-2, 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 2023-3, 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 2021-1, Credit Acceptance Funding LLC 2019-2, Credit Acceptance Auto Loan Trust 2026-1, Credit Acceptance Auto Loan Trust 2025-2, 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, Computershare Trust Company, N.A., as trustee, Bank of Montreal, as agent, Fifth Third Bank, National Association, as agent, Flagstar Bank, National Association, as agent, Fifth Third Bank, N.A., successor by merger to Comerica Bank, as agent, and Citizens Bank, N.A., as agent (incorporated by reference to Exhibit 4.143 to the Company’s Current Report on Form 8-K filed on May 11, 2026).
+Added: Sale and Contribution Agreement, dated as of May 5, 2026, between the Company and Credit Acceptance Funding LLC 2026-1 (incorporated by reference to Exhibit 4.144 to the Company’s Current Report on Form 8-K filed on May 11, 2026).
+Added: Amended and Restated Trust Agreement, dated as of May 5, 2026, among Credit Acceptance Funding LLC 2026-1, each of the initial members of the Board of Trustees of the Trust, and Computershare Delaware Trust Company (incorporated by reference to Exhibit 4.145 to the Company’s Current Report on Form 8-K filed on May 11, 2026).
+Added: Sale and Servicing Agreement, dated as of May 5, 2026, among the Company, Credit Acceptance Auto Loan Trust 2026-1, Credit Acceptance Funding LLC 2026-1, and Computershare Trust Company, N.A.
+Added: (incorporated by reference to Exhibit 4.146 to the Company’s Current Report on Form 8-K filed on May 11, 2026).
+Added: Fifteenth Amendment to Sixth Amended and Restated Credit Agreement, dated as of June 9, 2026, among the Company, Fifth Third Bank, N.A., successor by merger to Comerica Bank, and the other banks signatory thereto, and Fifth Third Bank, N.A., successor by merger to Comerica Bank, as administrative agent for the banks (incorporated by reference to Exhibit 4.147 to the Company’s Current Report on Form 8-K filed on June 15, 2026).
Certification of principal executive officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
13 unchanged sentences
CREDIT ACCEPTANCE CORPORATION
+Added: /s/ Joseph Billante III
+Added: Joseph Billante III
Chief Financial Officer
(Principal Financial Officer)
+Added: August 4, 2026
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.