0000885550-25-000055 Sample Contracts

Fourth Amendment to Loan and Security Agreement
Loan and Security Agreement • April 30th, 2025 • Credit Acceptance Corp • Personal credit institutions • New York

Whereas, each of the Servicer, the Custodian, the Deal Agent and the Collateral Agent has been requested and is willing to act in certain capacities in accordance with the terms hereof.

CREDIT ACCEPTANCE CORPORATION RESTRICTED STOCK UNIT AWARD AGREEMENT
Restricted Stock Unit Award Agreement • April 30th, 2025 • Credit Acceptance Corp • Personal credit institutions • Michigan

Credit Acceptance Corporation (the “Company”) hereby grants you, (the “Participant”), a Restricted Stock Unit Award (the “Award”) under the Credit Acceptance Corporation Amended and Restated Incentive Compensation Plan, as amended (the “Plan”). The terms and conditions of the Award are set forth in this agreement and in Appendix A (collectively, the “Agreement”).

FIRST SUPPLEMENTAL INDENTURE
First Supplemental Indenture • April 30th, 2025 • Credit Acceptance Corp • Personal credit institutions • New York

FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of February 28, 2025, among Credit Acceptance Corporation, a Michigan corporation, the Guarantors listed on the signature pages hereto and U.S. Bank Trust Company, National Association, a national banking association, as Trustee under the Indenture.