信贷承兑公司 CACC

Mr. Hegde became our Chief Executive Officer and President on November 13, 2025, and he has been a member of the Board since May 2021. As our Chief Executive Officer, Mr. Hegde is responsible for the leadership and growth of the Company. Prior to becoming our Chief Executive Officer and President, Mr. Hegde served as the Consumer Chief Marketing Officer of T-Mobile US, Inc., a telecommunications company, from January 2023 to November 2025. Mr. Hegde served as President of Wheels Up Experience, Inc., a leading private aviation platform, from October 2021 to November 2022, after serving as its Chief Marketplace Officer and that of its predecessor, Wheels Up Partners Holdings LLC, from May 2021 to October 2021. Earlier in his career, Mr. Hegde served as Vice President of Growth and Chief Marketing Officer of Airbnb Homes at Airbnb, Inc., and as Senior Vice President and Global Chief Marketing Officer at Groupon, Inc, and spent over 12 years at Amazon, contributing significantly to the company's growth in e-commerce and the Prime ecosystem.

Mr. Quinn has served as the Chief Financial Officer of Cimpress plc since October 2015. Cimpress is a strategically focused collection of businesses, including VistaPrint, that specialize in mass customization of printing and related products, via which they deliver large volumes of individually small-sized customized orders. In his current role, Mr. Quinn has responsibility for Cimpress' finance functions, including investor relations, financial planning and analysis, tax, treasury, accounting and control, and internal audit. He also oversees the legal, communications, procurement, and human resources functions. Prior to being named Chief Financial Officer of Cimpress, Mr. Quinn served in steadily ascending roles at Cimpress, and he has been instrumental in scaling the company's financial infrastructure and capital structure to support growth, significant investment decisions, and acquisition activity. From 2001 until joining Cimpress in 2009, he was a certified public accountant with KPMG LLP. Mr. Quinn became a director of Credit Acceptance in October 2023. Mr. Quinn is a member of the Company's Compensation Committee and Audit Committee.

Ms. Flanagan has served as the Executive Vice President and Chief Financial Officer and a member of the board of directors of Healthy America, LLC since March 2022. Healthy America is a privately held company based in Austin, Texas, specializing in launching a national network of wellness centers to promote overall health and well-being. From May 2017 through February 2022, Ms. Flanagan was the Executive Vice President and Senior Advisor of Whole Foods Market, Inc., the largest natural and organic foods supermarket retailer in the United States. Ms. Flanagan joined Whole Foods Market as Chief Financial Officer in 1988, prior to which she held positions in public accounting, retail and business consulting. Ms. Flanagan became a director of Credit Acceptance in March 2004. She is also a director of Vital Farms, Inc.

Mr. Vassalluzzo is a Managing Member of Prescott General Partners LLC, an investment advisory firm. Mr. Vassalluzzo joined Prescott Investors in 1998 as an equity analyst and became a General Partner in 2000. Prior to 1998, Mr. Vassalluzzo worked in public accounting at Coopers & Lybrand (now PricewaterhouseCoopers LLP) and received a certified public accountant certification. Mr. Vassalluzzo became a director of Credit Acceptance in March 2007. He is also a director of World Acceptance Corporation and Cimpress plc.

The board of directors of the Company elected and appointed Joseph Billante the Company's Chief Financial Officer effective July 27, 2026. In his capacity as Chief Financial Officer, Mr. Billante will be the Company's principal financial officer and principal accounting officer.Mr. Billante, age 50, served as Chief Financial Officer of Barracuda Networks, Inc., a cybersecurity and data protection company, where he led global finance operations, and before that held various senior finance and business leadership positions at eBay Inc., a global e-commerce company, including serving as Chief Financial Officer for eBay's European and Greater China businesses and as Vice President of Investor Relations and Communications, and earlier in his career held finance leadership roles at General Electric Company, including serving as Chief Financial Officer of a global division of GE Healthcare, a healthcare technology and services business (collectively reflecting more than 25 years of executive leadership and finance experience).

Ms. Kerber joined the Company in 2010 as a Litigation Manager and was promoted to Director of Regulatory Compliance in 2012. She was named Vice President - Regulatory Compliance in 2014, became Senior Vice President, Assistant General Counsel - Regulatory Compliance in 2018, and assumed her present position in July 2021. From 2003 until joining the Company, Ms. Kerber was an attorney with the law firm Dickinson Wright PLLC.

Mr. Lum joined the Company in 2002 and has served in a number of roles, starting in the finance department and advancing to Accounting Manager before being promoted to Director - Projects and Support in 2007 and Director - Policy Compliance in 2008. Mr. Lum was promoted to Vice President - Internal Audit and Compliance in 2009. In 2011, Mr. Lum became Senior Vice President - Dealer Service Center, and he assumed the role of Chief Operating Officer in May 2019.

Mr. Schumann joined Credit Acceptance in February 2026 as Chief Business Officer. From May 2023 until joining the Company, he was a self-employed strategic advisor and consultant, advising executive leadership teams on growth strategy and competitive and organizational effectiveness. Prior to that, he spent more than two decades at T-Mobile US, Inc., a telecommunications company, and its parent company Deutsche Telekom. At T-Mobile, Mr. Schumann held roles of increasing scope and responsibility in marketing and finance, most recently as the Senior Vice President of Consumer Marketing from February 2020 to May 2023.

Ms. Rummler joined Credit Acceptance from Arthur Andersen LLP as a Senior Financial Analyst in December 2001. She moved into Treasury in 2003 and was promoted to Assistant Treasurer in 2005, Director of Finance in 2008, Vice President of Finance in 2010, and Senior Vice President of Finance in 2013. While in Finance, she led a variety of finance and human resources teams. She was named Senior Vice President of Human Resources in May 2021 and Chief People Officer in September 2022.

Mr. Rostami joined Credit Acceptance in April 2022 as Chief Marketing and Product Officer. From 2014 until joining the Company, he worked at Citizens Financial Group, Inc., a financial institution providing retail and commercial banking products and services, most recently as President, Citizens Pay, and EVP, Head of Unsecured Lending & Cards. Prior to Citizens, he served as Principal at Bain & Company where he led programs in areas including corporate strategy development, sales and growth acceleration, and customer experience design and implementation. Mr. Rostami began his career as a software engineer in the technology and financial services industries.

Mr. Elliott joined the Company in 2005 and has served in a number of roles, starting as a Staff Auditor in the Internal Audit department and progressing to Manager of Information Security in 2010 before being promoted to Director of Internal Audit in 2012. He became Vice President of Internal Audit and Project Management Office in 2015, was promoted to Senior Vice President of Internal Audit and Quality Audit in 2018, and became Senior Vice President of Strategic Alignment in January 2023. Mr. Elliott assumed the role of Chief Alignment Officer in August 2023 and transitioned to the role of Chief Transformation Officer in January 2026.