To our valued dealer network, lender partners, vendor ecosystem, and strategic relationships, I am pleased to share a summary of Automatic’s accomplishments throughout 2025. This has been a year marked by meaningful execution, strong scalability, and real validation of the vision that Automatic was built upon. As we close out the year, our achievements reflect the dedication of our technology team, the commitment of our lender and vendor partners, and the confidence that thousands of dealerships have placed in our platform. From a technology perspective, 2025 has been the most productive development cycle in our company’s history. We delivered major enhancements across underwriting automation, compliance workflows, document management, e-contracting, and dealer / lender transparency, all designed to reduce friction and increase closing ratios. Integrations with RouteOne, Dealertrack, Get My Auto, Auto Dealer Digital, and others expanded our marketplace reach and drastically improved dealer onboarding. We strengthened credit scoring through embedded AI, enhanced identity and fraud safeguards, and elevated the reliability of our AWS infrastructure to support seamless contract throughput. Each advancement brought Automatic closer to becoming the platform that serves as the secured digital backbone of the indirect lending environment. Our dealership presence expanded significantly across multiple regions, including strong growth in the Southeast, Mid-Atlantic, Midwest, and New England territories. Dealers embraced the simplicity and speed that Automatic delivers, with many new accounts coming through dealer referrals highlighting both the trust in our platform and the results we consistently produce. This growth resulted in thousands of dealerships successfully submitting applications, receiving approvals, and closing contracts through Automatic, enabling their teams to serve more customers more efficiently. On the vendor side, we further developed the connected ecosystem that makes Automatic unique. Ancillary products, warranty providers, AI-scoring platforms, title services, data sources, and payment solutions all became more integrated and accessible. We streamlined onboarding and eliminated barriers so that vendors could service lenders and dealerships simultaneously within one unified framework. This “single connection with multiple services” approach has made the Automatic platform not merely a technology provider, but a distribution hub. 2025 was also a year where Automatic strengthened the lender and funding side of the marketplace. Multiple credit unions, banks, and institutional partners activated origination channels and programs through Automatic. The platform provided transparency, compliance visibility, QC controls, and clean structured files that reduced time to funding and enhanced loan quality. By aligning underwriting sophistication with secure digital workflows, Automatic proved it could serve lenders of all sizes and deploy capital efficiently while maintaining strong governance and risk management standards. As we head into 2026, the market landscape is shifting in our favor. With the ongoing easing of interest rates and significant pent-up demand, both consumers and dealerships will require more efficient financing pathways. Lenders need origination channels that are safe, scalable, and controlled. Vendors need centralized access to the markets they serve. Automatic is uniquely positioned to serve this next chapter: We have proven the model, proven the demand, and proven the outcomes. - 2025 was our foundation. - 2026 will be our acceleration. Thank you to every dealership, lender, vendor, developer, partner, and member of the Automatic family. We are building something that is not only scalable but transformative. With appreciation and excitement, Eric J. Burney Chief Executive Officer Automatic