Date of Issue: September 17, 2025

Issue Amount:
$338,300,000 (SOFR)
$10,6000,000 (SOFR)
Total: $348,900,000

Securities Offered:
Class A Floating Rate Asset-Backed Notes
Rate: One Month SOFR + 0.57%
CUSIP: 26827YAA9

Class B Floating Rate Asset-Backed Notes
Rate: One Month SOFR + 1.25%
CUSIP: 26827YAB7

Servicers:
ECMC Group

Indenture Trustee:
Manufacturers and Traders Trust Company

Eligible Lender Trustee:
Manufacturers and Traders Trust Company

Administrator:
ECMC Holdings, Inc.

Initial Purchaser:
J.P. Morgan