Date of Issue: September 17, 2025

Issue Amount:
$698,800,000 (SOFR)
$22,0000,000 (SOFR)
Total: $720,800,000

Securities Offered:
Class A Floating Rate Asset-Backed Notes
Rate: One Month SOFR + 1.05%
CUSIP: 26827YAA9

Class B Floating Rate Asset-Backed Notes
Rate: One Month SOFR + 1.45%
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